First Financial Bancorp. (FFBC)
適正価値ファンダメンタル
63
株価
$31.18
時価総額
$3.29B
パート1 · 企業の価値
概要
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 2026年9月18日 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.
貸借対照表と流動性
売上高
$1.01B
直近12か月（2026/6/30まで）
純利益
$285M
直近12か月（2026/6/30まで）
フリーキャッシュフロー
$317M
自己資本合計
$2.77B
負債合計
$18.36B
流動比率
-
利払い倍率
0.50
負債/EBITDA
-
一株当たり利益（EPS）
売上高と純利益
フリーキャッシュフロー
収益内訳
財務推移表
利益率の推移
負債の推移
成長率グリッド
成長率 — 売上高
適正価値の推定
適正価値
$28.90
現在株価
$31.18
安全マージン
-7.9%
適正価値レンジ
$22.31 - $35.49
使用した評価手法間のばらつきであり、統計的に較正された信頼区間ではありません。
推定方法
バリュエーション指標
P/E レシオ
11.07
ROE
9.2%
P/B レシオ
1.10
P/FCF
4.35
粗利益率
-
ROIC
-
収益性レーダー
価値創造（経済的モート）
ROIC
-
WACC
11.2%
ROIC − WACC
-
ファンダメンタル分析基準
合格（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%
不合格（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
データなし（5）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-スコア
まちまちのシグナル：一部の領域に注意が必要
利益の質
高品質：利益はキャッシュに裏付けられている
株式希薄化
株式数は安定している
機関投資家の保有
ガバナンス
経営陣
| 氏名 | 役職 | 年齢 |
|---|---|---|
| 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 |
監査リスク
4
取締役会リスク
4
報酬リスク
1
株主権利リスク
7
パート2 · 株価と買い時
この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容：テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。
業績推移
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