First Financial Bancorp. (NASDAQ:FFBC)

First Financial Bancorp. FFBC

Financial Services - Banks - Regional - NASDAQ - US

Watchlist

$ 22.1

-0.0904 %

$ 2.11 B

Market Cap

9.21

P/E

1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FFBC stock under the worst case scenario is HIDDEN Compared to the current market price of 22.1 USD, First Financial Bancorp. is HIDDEN

FFBC Intrinsic Value
HIDDEN

SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FFBC stock under the base case scenario is HIDDEN Compared to the current market price of 22.1 USD, First Financial Bancorp. is HIDDEN

FFBC Intrinsic Value
HIDDEN

SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FFBC stock under the best case scenario is HIDDEN Compared to the current market price of 22.1 USD, First Financial Bancorp. is HIDDEN

FFBC Intrinsic Value
HIDDEN

SHOW

2. FUNDAMENTAL ANALYSIS

Price Chart FFBC

FINANCIALS

Annual
Quarterly

262 M OPERATING CASH FLOW

-1 B INVESTING CASH FLOW

699 M FINANCING CASH FLOW

74.1 M OPERATING CASH FLOW

-396 M INVESTING CASH FLOW

306 M FINANCING CASH FLOW

Balance Sheet First Financial Bancorp.

18.6 B ASSETS
16.1 B LIABILITIES

Current Assets	3.36 B
Cash & Short-Term Investments	3.36 B
Receivables	585 M
Other Current Assets	-585 M
Non-Current Assets	15.2 B
Long-Term Investments	3.38 B
PP&E	407 M
Other Non-Current Assets	11.4 B

Current Liabilities	0
Accounts Payable	0
Short-Term Debt	755 M
Other Current Liabilities	-755 M
Non-Current Liabilities	0
Long-Term Debt	348 M
Other Non-Current Liabilities	-348 M

EFFICIENCY

Earnings Waterfall First Financial Bancorp.

Revenue	836 M
Cost Of Revenue	0
Gross Profit	836 M
Operating Expenses	836 M
Operating Income	0
Other Expenses	-229 M
Net Income	229 M

RATIOS

0.00% OPERATING MARGIN

FREE CASH FLOW ANALYSIS

Free Cash Flow Analysis First Financial Bancorp.

Net Income	229 M
Depreciation & Amortization	38.4 M
Capital Expenditures	-21.1 M
Stock-Based Compensation	15.7 M
Change in Working Capital	-105 M
Others	-38.9 M
Free Cash Flow	241 M

3. WALL STREET ANALYSTS ESTIMATES

Wall Street Analysts Price Targets First Financial Bancorp.

Wall Street analysts predict an average 1-year price target for FFBC of $25 , with forecasts ranging from a low of $25 to a high of $25 .

FFBC Lowest Price Target Wall Street Target

25 USD 13.12%

FFBC Average Price Target Wall Street Target

25 USD 13.12%

FFBC Highest Price Target Wall Street Target

25 USD 13.12%

4. DIVIDEND ANALYSIS

0.89% DIVIDEND YIELD

0.24 USD DIVIDEND PER SHARE

5. COMPETITION

Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services in Louisiana and Mississippi.

145 USD

HBCP

Undervalued 246.33%

First Northwest Bancorp operates as a bank holding company for First Fed Bank that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States.

-0.057 USD

FNWB

Overvalued 100.55%

Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits.

80 USD

LKFN

Undervalued 50.49%

Bank of South Carolina Corporation operates as a bank holding company for The Bank of South Carolina that provides a range of financial products and services primarily in Charleston, Berkeley, and Dorchester counties of South Carolina.

18.6 USD

BKSC

Undervalued 40.27%

Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest and interest bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans.

49.4 USD

FNWD

Undervalued 71.32%

6. Ownership

Insider Ownership First Financial Bancorp.

Summary
Transactions

Sold

0-3 MONTHS

189 K USD 1

3-6 MONTHS

1.7 M USD 8

6-9 MONTHS

1.11 M USD 2

9-12 MONTHS

248 K USD 1

Bought

0 USD 0

0-3 MONTHS

0 USD 0

3-6 MONTHS

0 USD 0

6-9 MONTHS

0 USD 0

9-12 MONTHS

Date	Value	Insider	Amount	Avg Price
1 year ago Aug 18, 2023	Sell 251 K USD	Dennen Richard S Chief Corp. Banking Officer	- 11640	21.5298 USD
1 year ago Dec 19, 2023	Sell 340 K USD	BARRON WILLIAM G Director	- 14214	23.94 USD
10 years ago Apr 14, 2015	Bought 7.57 K USD	Rahe Maribeth S Director	+ 432	17.5152 USD
10 years ago Apr 14, 2015	Bought 6.04 K USD	olszewski richard e Director	+ 345	17.5152 USD
10 years ago Apr 14, 2015	Bought 6.48 K USD	Meyer Jeffrey D Director	+ 370	17.5152 USD
10 years ago Apr 14, 2015	Bought 2.56 K USD	kramer william j Director	+ 146	17.5152 USD
10 years ago Apr 14, 2015	Bought 4.55 K USD	PURKRABEK KNUST SUSAN L Director	+ 260	17.5152 USD
10 years ago Apr 14, 2015	Bought 5.85 K USD	MURPH KNAPKE Director	+ 334	17.5152 USD
10 years ago Apr 14, 2015	Bought 1.58 K USD	Geier Peter E Director	+ 90	17.5152 USD
10 years ago Apr 14, 2015	Bought 5.15 K USD	FINNERTY CORINNE R Director	+ 294	17.5152 USD

7. News

First Financial Bancorp to Announce First Quarter 2025 Financial Results on Thursday, April 24, 2025 CINCINNATI, April 4, 2025 /PRNewswire/ -- First Financial Bancorp. (Nasdaq: FFBC) announced today that it expects to release first quarter 2025 financial results after the market close on Thursday, April 24, 2025. A teleconference and webcast to discuss these results will be held on Friday, April 25, 2025, at 8:30 a.m. Eastern time.Teleconference and Webcast Information aAdsList.push('Article'); aAdsListSize.push([300, 250]); aAdsListCA.push(null); Date: Friday, April 25, 2025Time: 8:30 a.m. Eastern timeTeleconference Dial-In: (Access Code: 5048068) 1-888-550-5723 (Toll Free) Please dial in five to ten minutes prior to the start of the call.Teleconference Replay: (Access Code: 5048068)1-800-770-2030 (Toll Free) The teleconference replay will be available one hour after the live call has ended until May 9th, 2025.Webcast: To access the webcast, please visit http://ir.bankatfirst.com/CorporateProfileArchived Webcast: The webcast will be available one hour after the live call ends and will be archived at the Company's website for 12 months.About First Financial Bancorp. First Financial Bancorp. is a Cincinnati, Ohio based bank holding company. As of December 31, 2024, the Company had $18.6 billion in assets, $11.8 billion in loans, $14.3 billion in deposits and $2.4 billion in shareholders' equity. The Company's subsidiary, First Financial Bank, founded in 1863, provides banking and financial services products through its six lines of business: Commercial, Retail Banking, Investment Commercial Real Estate, Mortgage Banking, Commercial Finance and Wealth Management. These business units provide traditional banking services to business and retail clients. Wealth Management provides wealth planning, portfolio management, trust and estate, brokerage and retirement plan services and had approximately $3.7 billion in assets under management as of December 31, 2024. The Company operated 127 full service banking centers as of December 31, 2024, located in Ohio, Indiana, Kentucky and Illinois, while the Commercial Finance business lends into targeted industry verticals on a nationwide basis. Additional information about the Company, including its products, services and banking locations, is available at www.bankatfirst.com. View original content:https://www.prnewswire.com/news-releases/first-financial-bancorp-to-announce-first-quarter-2025-financial-results-on-thursday-april-24-2025-302419983.html SOURCE First Financial Bancorp. https://www.marketscreener.com - 1 week ago

Best Income Stocks to Buy for March 28th ALX, HAFC and FFBC made it to the Zacks Rank #1 (Strong Buy) income stocks list on March 28, 2025. zacks.com - 2 weeks ago

Why First Financial Bancorp (FFBC) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial Bancorp (FFBC) have what it takes? zacks.com - 3 weeks ago

Best Value Stocks to Buy for March 24th KINS, FFBC and FUTU made it to the Zacks Rank #1 (Strong Buy) value stocks list on March 24, 2025. zacks.com - 3 weeks ago

Best Value Stocks to Buy for March 10th ULCC, FFBC and TAP made it to the Zacks Rank #1 (Strong Buy) value stocks list on March 10, 2025. zacks.com - 1 month ago

First Financial Bancorp (FFBC) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial Bancorp (FFBC) have what it takes? zacks.com - 1 month ago

Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial Bancorp (FFBC) have what it takes? zacks.com - 2 months ago

First Financial Bancorp Declares Quarterly Cash Dividend CINCINNATI , Jan. 28, 2025 /PRNewswire/ -- On Tuesday, January 28, 2025, the board of directors of First Financial Bancorp. (NASDAQ: FFBC) declared a quarterly cash dividend of $0.24 per common share. prnewswire.com - 2 months ago

Best Income Stocks to Buy for January 28th IFS, FOXA and FFBC made it to the Zacks Rank #1 (Strong Buy) income stocks list on January 28, 2024. zacks.com - 2 months ago

First Financial Bank Expands to Grand Rapids GRAND RAPIDS, Mich. , Jan. 24, 2025 /PRNewswire/ -- First Financial Bank (Nasdaq: FFBC) is expanding into Michigan with the introduction of Grand Rapids native and highly experienced banker Chris Turner as commercial market president, and the opening of a commercial banking office in Grand Rapids. prnewswire.com - 2 months ago

First Financial Bancorp. (FFBC) Q4 2024 Earnings Call Transcript First Financial Bancorp. (FFBC) Q4 2024 Earnings Call Transcript seekingalpha.com - 2 months ago

8. Profile Summary

First Financial Bancorp. FFBC

COUNTRY US

INDUSTRY Banks - Regional

MARKET CAP $ 2.11 B

Dividend Yield 0.89%

Description First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company accepts various deposit products, such as interest-bearing and noninterest-bearing accounts, time deposits, and cash management services for 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, or office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment; consumer loans comprising 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 commercial financing 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; and lease and equipment financing services. As of December 31, 2021, the company operated 139 full service banking centers, 29 of which are leased facilities. It operates 62 banking centers in Ohio, three banking centers in Illinois, 62 banking centers in Indiana, and 12 banking centers in Kentucky. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

Contact 255 East Fifth Street, Cincinnati, OH, 45202 https://www.bankatfirst.com

IPO Date Dec. 21, 1983

Employees 2090

Officers Mr. William R. Harrod Executive Vice President & Chief Credit Officer Mr. Archie M. Brown Jr. President, Chief Executive Officer & Director Ms. Karen Ball Woods J.D. Executive Vice President, General Counsel, Chief Administrative Officer & Corporate Secretary Ms. Amanda N. Neeley Executive Vice President and Chief Consumer Banking & Strategy Officer Mr. Roddell McCullough Chief Responsibility Officer Mr. Richard S. Dennen CPA Executive Vice President & Chief Corporate Banking Officer Mr. James R. Shank Chief Internal Auditor Mr. Gregory A. Harris President of Affluent Banking & Yellow Cardinal Advisory Group - First Financial Bank Ms. Ann Davis Mortgage Lending President Mr. James Michael Anderson Executive Vice President, Chief Financial Officer & Chief Operating Officer

Price Chart FFBC

First Financial Bancorp. FFBC

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