First Financial Bancorp. (FFBC)
Juste valeurFondamental
63
Prix
$31.18
Capitalisation boursière
$3.29B
Partie 1 · Ce que vaut l'entreprise
Vue d'ensemble
First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and commercial customers. It also provides real estate loans secured by residential property, such as one to four family residential housing units or commercial property comprising owner-occupied and/or investor income producing real estate consisting of apartments, shopping centers, and office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment, as well as equipment and leasehold improvement financing for franchisees; consumer loans, such as new and used vehicle loans, second mortgages on residential real estate and unsecured loans; and home equity lines of credit. In addition, the company offers secured commercial financing services to the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees. Further, it provides a range of trust and wealth management services, lease and equipment financing services, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 18 septembre 2026 with claude-haiku-4-5 — shared with all users
An Indiana-based commercial bank of almost identical size that lends to the same middle-market businesses and gathers the same retail deposits across Indiana, Ohio and Illinois.
Headquartered in the same city, it holds the largest share of Cincinnati deposits and competes directly with First Financial for the region's commercial lending and wealth management clients.
A Louisville bank that has pushed into the Cincinnati and Indianapolis metro areas, targeting the same closely held businesses and trust clients in Kentucky, Ohio and Indiana.
A regional bank whose branch network overlaps First Financial's in Ohio, Kentucky and Indiana, competing for the same commercial real estate lending and deposit relationships.
An Ohio community-banking group that competes branch by branch for the same small-business and retail customers in Cincinnati and central Ohio.
An Ohio bank with a very similar mix of community branches plus equipment leasing and insurance-premium finance, the same specialty niches First Financial built with Summit Funding and Agile Premium Finance.
Bilan & Liquidités
Chiffre d'affaires
$1.01B
12 derniers mois (au 30/06/2026)
Résultat net
$285M
12 derniers mois (au 30/06/2026)
Flux de trésorerie libre
$317M
Capitaux propres totaux
$2.77B
Passif total
$18.36B
Ratio de liquidité général
-
Couverture des intérêts
0.50
Dette/EBITDA
-
Bénéfice par action
Chiffre d'affaires & Résultat net
Flux de trésorerie libre
Décomposition du résultat
État historique
Marges dans le temps
La dette dans le temps
Grille de la croissance
Croissance — Chiffre d'affaires
Estimation de la juste valeur
Juste valeur
$28.90
Prix actuel
$31.18
Marge de sécurité
-7.9%
Fourchette de juste valeur
$22.31 - $35.49
Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.
Méthodes d'estimation
Indicateurs de valorisation
Ratio P/E
11.07
ROE
9.2%
Ratio P/B
1.10
P/FCF
4.35
Marge brute
-
ROIC
-
Radar de rentabilité
Création de valeur (avantage concurrentiel)
ROIC
-
WACC
11.2%
ROIC − WACC
-
Critères d'analyse fondamentale
Réussi (15)
- P/FCF 4.35
- P/B Ratio 1.10
- Operating Margin 35.5%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 10.1%
- Revenue Growth 5Y 11.9%
- Analyst Consensus 62% Buy
- Earnings Surprise avg 2.9%
- PEG Ratio 1.06
- Earnings Quality (OCF/NI) 2.78
- Share Dilution 0.8%
- Net Margin Trend 28.3% vs 28.0%
Échoué (8)
- EPS shows upward trend
- EPS CAGR -3.60%
- Price CAGR 0.93%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
- Piotroski F-Score 4/9
Indisponible (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Score F de Piotroski
Signaux mixtes : certains domaines nécessitent attention
Qualité des bénéfices
Qualité élevée : bénéfices soutenus par la trésorerie
Dilution du capital
Le nombre d'actions est stable
Participations institutionnelles
Gouvernance
Équipe dirigeante
| Nom | Titre | Âge |
|---|---|---|
| Ms. Karen Ball Woods J.D. | Executive VP, General Counsel, Chief Administrative Officer & Corporate Secretary | 57 |
| Mr. Richard S. Dennen CPA | Executive VP & Chief Corporate Banking Officer | 58 |
| Mr. Jacob Holbrook | Commercial Banking President | - |
| Mr. Matthew D. Reckman | Chief Commercial Banking Officer | 46 |
| Mr. Scott T. Crawley CPA | Senior VP & Controller | 44 |
Risque d'audit
4
Risque du conseil
4
Risque de rémunération
1
Risque droits des actionnaires
7
Partie 2 · Le prix et le moment d'entrer
Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.
Documents
- Voir le document
Rapport annuel (10-K)
Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.
Déposé le 2026-02-19
- Voir le document
Rapport trimestriel (10-Q)
Une mise à jour de la performance financière des trois derniers mois.
Déposé le 2026-08-06
- Voir le document
Rapport d'événement important (8-K)
Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.
Déposé le 2026-09-15
via SEC EDGAR
Historique des résultats
via SEC EDGAR
Latest News
Recent headlines for FFBC, sourced from Markets Gazette.
- 4/24/2026NEUTRALFull Transcript: First Financial Bancorp Q1 2026 Earnings Call
First Financial Bancorp has released the full transcript of its Q1 2026 Earnings Call. While the transcript provides detailed insights into the company's performance, strategic initiatives, and future outlook, it does not contain specific forward-looking guidance or immediate performance metrics that would suggest a significant shift in the stock's valuation. Investors should review the transcript for qualitative information regarding management's commentary on market conditions, operational efficiency, and growth opportunities, but the document itself is primarily informational.
via Markets Gazette