$29.09
0.25 (-0.85%)
Last updated: Apr 16, 2026 00:33
Fundamentals Overview
First Financial Bancorp. is near the high of its 52-week range with attractive valuation, trading relatively flat today.
Valuation attractive
Intrinsic value (DCF)
+74.1% upside vs price
Profitability
Risk (Beta)
0.94 — in line vol
Earnings & growth
BullzEye Analysis
Our composite tilts Buy on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +74.1% upside vs price · Analyst grade: A- · Sentiment improving (2 upgrades) · 3M vs S&P 500: +13.5% · 3M vs Financial Services sector: +19.8%
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: A-. Recent institutional grades: majority upgrades. Current institutional positions: Equal Weight: 3, Hold: 2, Market Perform: 8, Outperform: 1, Overweight: 4, Perform: 1, Sector Perform: 11.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $50.64; current price is $29.09. That’s a +74.1% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 10.9 |
| DCF value (model) | $50.64 (74.1% upside) |
| PEG (TTM) | 0.93 |
| P/B (TTM) | 1 |
| P/S (TTM) | 2.42 |
| P/FCF (TTM) | 9.22 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.28 |
| Quick Ratio (TTM) | 0.28 |
| Cash Ratio (TTM) | 0.01 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 20.3% |
| Gross margin (TTM) | 68.43% |
| Operating margin (TTM) | 25.51% |
| Debt to equity (TTM) | N/A |
Latest News
News loads when you open this tab.
Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for FFBC.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Truist Securities | maintain | Hold | Hold | 2026-02-02 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2026-01-30 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2026-01-30 |
| Raymond James | maintain | Outperform | Outperform | 2025-10-27 |
| Truist Securities | maintain | Hold | Hold | 2025-10-03 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2025-07-28 |
| Stephens & Co. | maintain | Overweight | Overweight | 2025-06-27 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-06-25 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2025-06-25 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2025-04-28 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-04-28 |
| Keefe, Bruyette& Woods | maintain | Market Perform | Market Perform | 2025-01-27 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-01-27 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2025-01-27 |
| Stephens & Co. | maintain | Overweight | Overweight | 2025-01-24 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-12-04 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-07-29 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2024-07-29 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2024-04-09 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2024-01-29 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2023-10-26 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2023-07-24 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2023-07-23 |
| Stephens & Co. | maintain | Equal Weight | Equal Weight | 2023-07-21 |
| Stephens & Co. | maintain | Equal Weight | Equal Weight | 2023-07-20 |
| Piper Sandler | upgrade | Neutral | Overweight | 2023-07-10 |
| Piper Sandler | upgrade | Neutral | Overweight | 2023-07-09 |
| RBC Capital | maintain | Sector Perform | Perform | 2023-04-24 |
| Stephens & Co. | maintain | Equal Weight | Equal Weight | 2023-04-21 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2023-04-06 |