FFBC
Bearish signalScored 2026-09-04 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
First Financial Bancorp.
- Nom
- First Financial Bancorp.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $3.4B
- Employés
- 2,199
- PDG
- Archie Brown
- Site web
- https://www.bankatfirst.com
- Marché
- BANRFISIFRMEGSBCMBINNBTB
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.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 5 000 titres (~164 650,00 $ US)
- Insiders
- Brown Archie M
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$391,802
Avg sell (VWAP, 90d window) $33.49 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-03
- Last synced
-
2026-09-09 09:58:02
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-03 | Brown Archie M | Sell · S | 5,000 | $32.93 | $164,650 | Form 4 |
| 2026-08-03 | Crawley Scott T | Sell · S | 2,700 | $34.16 | $92,232 | Form 4 |
| 2026-07-31 | ANDERSON JAMES M | Sell · S | 4,000 | $33.73 | $134,920 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-09-04 Drivers: fundamentals. Moteurs : fondamentaux.
FFBC presents a mixed picture: while improving margins and record Q2 earnings provide some fundamental support, the critically low liquidity score (25) driven by a current ratio of 0.28 and interest coverage below 1.0…
The first sentence of the analysis written for FFBC on 2026-09-04 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.28 · operating margin 26% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 68.4% | 64.3% | 71.5% | 90.0% | 98.0% | |
| Ebit Margin | 25.5% | 21.9% | 28.6% | 31.2% | 36.8% | |
| Ebitda Margin | 27.3% | 25.0% | 32.0% | 36.2% | 42.8% | |
| Operating Profit Margin | 25.5% | 21.9% | 28.6% | 31.2% | 36.8% | |
| Pretax Profit Margin | 25.5% | 21.9% | 28.6% | 31.2% | 36.8% | |
| Continuous Operations Profit Margin | 20.3% | 18.7% | 22.9% | 28.1% | 31.3% | |
| Net Profit Margin | 20.3% | 18.7% | 22.9% | 28.1% | 31.3% | |
| Bottom Line Profit Margin | 20.3% | 18.7% | 22.9% | 28.1% | 31.3% | |
| Current Ratio | 0.278 | 0.262 | 0.314 | 0.290 | 0.347 | |
| Quick Ratio | 0.278 | 0.262 | 0.314 | 0.290 | 0.347 | |
| Solvency Ratio | 0.015 | 0.017 | 0.019 | 0.017 | 0.017 | |
| Cash Ratio | 0.010 | 0.060 | 0.070 | 0.041 | 0.032 | |
| Price To Earnings Ratio | 9.301 | 11.107 | 8.732 | 10.399 | 11.287 | |
| Price To Earnings Growth Ratio | 0.834 | -1.007 | 0.522 | 1.321 | 0.322 | |
| Forward Price To Earnings Growth Ratio | 0.834 | -1.007 | 0.522 | 1.321 | 0.322 | |
| Price To Earnings Diluted Ratio | 9.406 | 11.200 | 8.829 | 10.535 | 11.393 | |
| Price To Earnings Diluted Growth Ratio | 0.868 | -1.039 | 0.521 | 1.409 | 0.329 | |
| Price To Book Ratio | 0.857 | 1.041 | 0.984 | 1.110 | 1.026 | |
| Price To Sales Ratio | 1.885 | 2.070 | 2.000 | 2.925 | 3.539 | |
| Price To Free Cash Flow Ratio | 7.487 | 10.526 | 4.820 | 12.114 | 6.215 | |
| Price To Operating Cash Flow Ratio | 7.027 | 9.680 | 4.582 | 11.283 | 5.969 | |
| Debt To Assets Ratio | 0.056 | 0.059 | 0.073 | 0.096 | 0.043 | |
| Debt To Equity Ratio | 0.429 | 0.452 | 0.565 | 0.800 | 0.313 | |
| Debt To Capital Ratio | 0.300 | 0.311 | 0.361 | 0.445 | 0.238 | |
| Long Term Debt To Capital Ratio | 0.157 | 0.124 | 0.131 | 0.145 | 0.146 | |
| Financial Leverage Ratio | 7.630 | 7.617 | 7.731 | 8.329 | 7.229 | |
| Working Capital Turnover Ratio | -0.107 | -0.117 | -0.111 | -0.080 | -0.072 | |
| Operating Cash Flow Ratio | 0.020 | 0.017 | 0.034 | 0.014 | 0.028 | |
| Operating Cash Flow Sales Ratio | 0.268 | 0.214 | 0.437 | 0.259 | 0.593 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.939 | 0.920 | 0.950 | 0.931 | 0.960 | |
| Debt Service Coverage Ratio | 0.268 | 0.233 | 0.242 | 0.190 | 0.699 | |
| Interest Coverage Ratio | 0.893 | 0.688 | 1.158 | 3.670 | 7.747 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.501 | 0.347 | 0.519 | 0.156 | 1.216 | |
| Operating Cash Flow Coverage Ratio | 0.284 | 0.238 | 0.380 | 0.123 | 0.550 | |
| Capital Expenditure Coverage Ratio | 16.277 | 12.439 | 20.177 | 14.577 | 25.315 | |
| Dividend Paid And Capex Coverage Ratio | 2.928 | 2.370 | 4.376 | 2.001 | 3.781 | |
| Dividend Payout Ratio | 0.370 | 0.391 | 0.341 | 0.398 | 0.426 | |
| Enterprise Value Multiple | 9.857 | 8.920 | 7.034 | 11.779 | 9.227 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 68.4% | ▲4.2% | ▼-10.0% |
| Ebit Margin | 25.5% | ▲3.6% | ▼-3.3% |
| Ebitda Margin | 27.3% | ▲2.2% | ▼-5.4% |
| Operating Profit Margin | 25.5% | ▲3.6% | ▼-3.3% |
| Pretax Profit Margin | 25.5% | ▲3.6% | ▼-3.3% |
| Continuous Operations Profit Margin | 20.3% | ▲1.6% | ▼-4.0% |
| Net Profit Margin | 20.3% | ▲1.6% | ▼-4.0% |
| Bottom Line Profit Margin | 20.3% | ▲1.6% | ▼-4.0% |
| Current Ratio | 0.278 | ▲0.016 | ▼-0.021 |
| Quick Ratio | 0.278 | ▲0.016 | ▼-0.021 |
| Solvency Ratio | 0.015 | ▼-0.001 | ▼-0.002 |
| Cash Ratio | 0.010 | ▼-0.050 | ▼-0.032 |
| Price To Earnings Ratio | 9.301 | ▼-1.806 | ▼-0.864 |
| Price To Earnings Growth Ratio | 0.834 | ▲1.841 | ▲0.435 |
| Forward Price To Earnings Growth Ratio | 0.834 | ▲1.841 | ▲0.435 |
| Price To Earnings Diluted Ratio | 9.406 | ▼-1.794 | ▼-0.866 |
| Price To Earnings Diluted Growth Ratio | 0.868 | ▲1.907 | ▲0.451 |
| Price To Book Ratio | 0.857 | ▼-0.183 | ▼-0.146 |
| Price To Sales Ratio | 1.885 | ▼-0.185 | ▼-0.599 |
| Price To Free Cash Flow Ratio | 7.487 | ▼-3.039 | ▼-0.746 |
| Price To Operating Cash Flow Ratio | 7.027 | ▼-2.653 | ▼-0.681 |
| Debt To Assets Ratio | 0.056 | ▼-0.003 | ▼-0.009 |
| Debt To Equity Ratio | 0.429 | ▼-0.023 | ▼-0.083 |
| Debt To Capital Ratio | 0.300 | ▼-0.011 | ▼-0.031 |
| Long Term Debt To Capital Ratio | 0.157 | ▲0.032 | ▲0.016 |
| Financial Leverage Ratio | 7.630 | ▲0.013 | ▼-0.077 |
| Working Capital Turnover Ratio | -0.107 | ▲0.010 | ▼-0.010 |
| Operating Cash Flow Ratio | 0.020 | ▲0.002 | ▼-0.003 |
| Operating Cash Flow Sales Ratio | 0.268 | ▲0.054 | ▼-0.086 |
| Free Cash Flow Operating Cash Flow Ratio | 0.939 | ▲0.019 | ▼-0.002 |
| Debt Service Coverage Ratio | 0.268 | ▲0.035 | ▼-0.058 |
| Interest Coverage Ratio | 0.893 | ▲0.205 | ▼-1.938 |
| Short Term Operating Cash Flow Coverage Ratio | 0.500 | ▲0.153 | ▼-0.047 |
| Operating Cash Flow Coverage Ratio | 0.284 | ▲0.046 | ▼-0.031 |
| Capital Expenditure Coverage Ratio | 16.277 | ▲3.838 | ▼-1.480 |
| Dividend Paid And Capex Coverage Ratio | 2.928 | ▲0.558 | ▼-0.163 |
| Dividend Payout Ratio | 0.370 | ▼-0.021 | ▼-0.015 |
| Enterprise Value Multiple | 9.857 | ▲0.938 | ▲0.494 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $2.37B | $2.54B | $2.23B | $2.27B | $2.32B | |
| Enterprise value | $3.38B | $2.74B | $2.51B | $3.30B | $2.59B | |
| EV / Sales | 2.69x | 2.23x | 2.25x | 4.27x | 3.95x | |
| EV / Op. cash flow | 10.02x | 10.44x | 5.15x | 16.45x | 6.67x | |
| EV / Free cash flow | 10.67x | 11.35x | 5.42x | 17.66x | 6.94x | |
| EV / EBITDA | 9.86x | 8.92x | 7.03x | 11.78x | 9.23x | |
| Net debt / EBITDA | 2.94x | 0.65x | 0.77x | 3.70x | 0.97x | |
| Current ratio | 0.28x | 0.26x | 0.31x | 0.29x | 0.35x | |
| Income quality | 1.32x | 1.15x | 1.90x | 0.92x | 1.89x | |
| Graham number | $42 | $38 | $38 | $34 | $34 | |
| Graham net-net | -$145 | -$131 | -$116 | -$115 | -$98 | |
| Tax burden | 79.6% | 85.3% | 80.3% | 90.0% | 85.2% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$12.35B | -$11.14B | -$9.81B | -$10.38B | -$8.93B | |
| Invested capital | -$10.93B | -$9.64B | -$8.37B | -$9.00B | -$7.57B | |
| Return on assets | 1.2% | 1.2% | 1.5% | 1.3% | 1.3% | |
| Operating ROA | 1.6% | 1.5% | 1.8% | 1.5% | 1.5% | |
| Return on tangible assets | 1.3% | 1.3% | 1.6% | 1.4% | 1.3% | |
| Return on equity | 9.2% | 9.4% | 11.3% | 10.7% | 9.1% | |
| Return on invested capital | 5.4% | 5.4% | 6.1% | 5.9% | 6.9% | |
| Return on capital employed | 8.0% | 7.7% | 9.9% | 10.1% | 9.1% | |
| Earnings yield | 10.8% | 9.0% | 11.5% | 9.6% | 8.9% | |
| Free cash flow yield | 13.4% | 9.5% | 20.7% | 8.3% | 16.1% | |
| Capex / Op. cash flow | 6.1% | 8.0% | 5.0% | 6.9% | 4.0% | |
| Capex / Depreciation | 52.1% | 54.9% | 63.9% | 35.5% | 38.8% | |
| Capex / Sales | 1.6% | 1.7% | 2.2% | 1.8% | 2.3% | |
| SG&A / Sales | 29.7% | 30.1% | 31.1% | 39.5% | 39.6% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.2% | 1.3% | 1.3% | 1.7% | 1.5% | |
| Intangibles / Total assets | 5.8% | 5.9% | 6.2% | 6.4% | 6.8% | |
| Days sales outstanding | 173d | 174d | 151d | 110d | 61d | |
| Days payables outstanding | 0d | 0d | 0d | 2950d | 13843d | |
| Operating cycle | 173d | 174d | 151d | 110d | 61d | |
| Cash conversion cycle | 173d | 174d | 151d | -2840d | -13782d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-02 First Financial Bancorp.: Strong Profitability With Room For Further Upside First Financial Bancorp presents an attractive risk/reward profile, combining strong profitability, a robust 3.98% net interest margin, and disciplined loan growth. FFBC trades at a discounted 10.4x P/E and 1.15x P/B, below sector medians, despite high operational efficiency and a record $83.9 million adjusted net income in Q2 2026. Acquisitions, including BankFinancial and the upcoming $208 million Finward Bancorp deal, are expected to drive further loan growth and cost synergies.
- 2026-08-15 Bank of America Corp DE Has $34.48 Million Stock Holdings in First Financial Bancorp. $FFBC Bank of America Corp DE boosted its stake in shares of First Financial Bancorp. (NASDAQ: FFBC) by 29.7% in the first quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The firm owned 1,236,781 shares of the bank''s stock after purchasing an additional
- 2026-07-24 Finward Bancorp Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Finward Bancorp - FNWD NEW YORK CITY & NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed sale of Finward Bancorp (NasdaqCM: FNWD) to First Financial Bancorp. (NasdaqGS: FFBC). Under the terms of the proposed transaction, shareholders of Finward will receive 1.35 shares of First Financial for each share of Finward that they own. KSF is seeking to determine whether this consideration and the.
- 2026-07-24 First Financial Bancorp. Q2 Earnings Call Highlights First Financial Bancorp. (NASDAQ: FFBC) reported record adjusted second-quarter earnings and outlined plans to expand further in the Chicago and Northwest Indiana markets through its planned acquisition of Finward Bancorp, executives said on the company''s earnings call. President and Chief Executive Officer Archie Brown said the quarter was "another active quarter" as the company continued post-integration
- 2026-07-23 SHAREHOLDER NOTICE: Brodsky & Smith Announces an Investigation of Finward Bancorp (FNWD) Bala Cynwyd, Pennsylvania--(Newsfile Corp. - July 23, 2026) - Law office of Brodsky & Smith announces that it is investigating potential claims against the Board of Directors of Finward Bancorp ("Finward" or the "Company") (NASDAQ: FNWD) for possible breaches of fiduciary duty and other violations of federal and state law in connection with the sale of the Company to First Financial Bancorp. (NASDAQ: FFBC) in an all-stock transaction where each outstanding share of Finward common stock will be converted into the right to receive 1.35 shares of First Financial common stock, valuing the transaction at approximately $208 million, based on First Financial''s closing stock price on July 20, 2026.
- 2026-07-22 First Financial Bancorp (FFBC) Shares Fall 4.8% -- GF Value Says Still Overvalued On July 22, 2026, First Financial Bancorp (FFBC) shares fell 4.8% to a current price of $33.96. The stock has fluctuated significantly over the past year, with
- 2026-07-22 First Financial Bancorp. (FFBC) Q2 2026 Earnings Call Transcript First Financial Bancorp. (FFBC) Q2 2026 Earnings Call Transcript
- 2026-07-22 First Financial Bancorp. Q2 Earnings Call Highlights First Financial Bancorp. NASDAQ: FFBC reported record adjusted second-quarter earnings and outlined plans to expand further in the Chicago and Northwest Indiana markets through its planned acquisition of Finward Bancorp, executives said on the company''s earnings call.
- 2026-07-22 First Financial Bancorp. $FFBC Shares Purchased by Fifth Third Bancorp Fifth Third Bancorp raised its stake in First Financial Bancorp. (NASDAQ: FFBC) by 176.8% during the undefined quarter, according to its most recent filing with the Securities and Exchange Commission. The fund owned 80,826 shares of the bank''s stock after purchasing an additional 51,627 shares during the quarter. Fifth Third Bancorp owned 0.08%
- 2026-07-21 First Financial (FFBC) Reports Q2 Earnings: What Key Metrics Have to Say The headline numbers for First Financial (FFBC) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.