FFBC logo

FIRST FINANCIAL BANCORP

FFBCNASDAQ
πŸ† #1605 by market capEarnings Oct 22US Equity
$409.81β–Ό $20.37 (βˆ’4.97%)
Simulated price
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🏦Market Cap
$3.40B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+2.8%
Slowing
πŸ“ŠGross Margin
69.8%
High
πŸ’΅FCF Margin
57.7%
Strong
βš–οΈP/S Ratio
2.6x
Cheap
Otter Score
56
Weak
No chart data available for FFBC.

Trading Snapshot

Day Range
$407.08 – $417.69
52-Week Range
$23.06 – $36.25
Volume
$5.68B
Avg Volume
$4.50B
Shares Outstanding
105.0M
Next Earnings
Nov 5, 2026

Fundamentals Snapshot

Annual Revenue
$1.26B
Last Q Revenue
$314M
P/E Ratio
11.3
P/S Ratio
2.6x
EPS (TTM)
$2.75
Dividend Yield
3.12%
Dilution (1yr)
+0.3%

Why Investors Own FFBC

  • βœ“High-growth profile β€” revenue up +0.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 53% gross margin and 18% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FFBC logo

FIRST FINANCIAL BANCORP

FFBC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.3Bβ–² +2.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
68.4%β–² +6.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$321Mβ–² +19.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$317Mβ–² +31.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
95.8Mβ–² +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$1.0Bβ–Ό βˆ’$812M YoY
StockOtter Β· stockotter.space

About FIRST FINANCIAL BANCORP

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
56/100

Analyst Price Target

β“˜
Average Target
$520.99
β–² +27.1% Upside
High Target$602.39
Low Target$411.18
Based on 33 analysts

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