First Financial Bancorp. (FFBC)
合理估值基本面
63
价格
$31.95
市值
$3.29B
第一部分 · 这家公司值多少
概览
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.
资产负债表与流动性
营收
$1.01B
最近12个月（截至2026/6/30）
净利润
$285M
最近12个月（截至2026/6/30）
自由现金流
$317M
股东权益合计
$2.77B
负债合计
$18.36B
流动比率
-
利息覆盖率
0.50
债务/EBITDA
-
每股收益
营收与净利润
自由现金流
收入构成
历史财务表
利润率变化
债务变化
增长一览表
增长 — 营业收入
公允价值估算
公允价值
$28.93
当前价格
$31.95
安全边际
-10.4%
公允价值区间
$22.35 - $35.51
所用估值方法之间的离散区间，并非经过统计校准的置信区间。
估算方法
估值指标
市盈率（P/E）
11.13
ROE
9.2%
市净率（P/B）
1.11
P/FCF
4.37
毛利率
-
ROIC
-
盈利能力雷达图
价值创造（经济护城河）
ROIC
-
WACC
11.2%
ROIC − WACC
-
基本面分析标准
通过（15）
- P/FCF 4.37
- P/B Ratio 1.11
- 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%
未通过（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
不可用（5）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-评分
信号混杂：部分领域需关注
盈利质量
高质量：盈利有现金流支撑
股权稀释
股份数量稳定
机构持股
公司治理
管理团队
| 姓名 | 职位 | 年龄 |
|---|---|---|
| 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 |
审计风险
4
董事会风险
4
薪酬风险
1
股东权利风险
7
第二部分 · 价格与买入时机
这一部分不判断公司是否值得拥有：它帮助你在基本面说服你之后，选择何时买入。包含：技术分析、潜力、历史回撤、Gamma 敞口。
损益历史
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