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First Financial Bancorp. (FFBC) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

First Financial Bancorp.

FFBCMarket cap $3.29BPrice $31.4

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs a regional bank across Ohio, Indiana, and Kentucky, offering commercial loans, wealth management, and deposit services. It's stayed profitable for over 145 years, surviving multiple recessions without a single loss year.

In Bastion Portfolios?

52W Return+35%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+10%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+14%–

Rev CAGR (5y)+9%7

Earnings Forecast

EPS Growth Y+1+19%8

EPS Growth Y+2+15%8

EPS Growth Y+3+8%6

Quality

Margins

EBIT Margin0%5

Net Income Margin30%9

Free Cash Flow Margin79%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE10%5

ROA1%3

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)99

P/E Ratio (Forward 3y)89

P/BV1.19

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%9

Dividend Yield3.3%8

Momentum

Short term

1 month return-5%5

3 month return-8%4

YTD return+29%8

Mid term

Price vs 52wHigh87%7

1 year return+26%7

Long term

3 year return+78%7

5 year return+59%6

Risk Shield

Price Risk

Beta0.85

Volatility25%8

Free Cash Flow

Free Cash Flow Margin79%10

Free Cash Flow Yield0.0%9

Quality

ROCE11%3

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

FFBCFirst Financial Bancorp.

Revenue FY25$899M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+14%–

Revenue, next 5Y, CAGR+9%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+19%8

EPS growth, FY27E+15%8

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 14%/yr over the next 3 years, ahead of most of the market.7/10

Revenue grew 10%/yr over the last 3 years and is set to grow 14%/yr from here.

The runway holds up: revenue is set to grow 9%/yr over five years.7/10

Earnings are set to grow in step with sales (EPS about 15%/yr vs revenue 14%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE56 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-8%4

YTD return+29%8

MID & LONG-TERM▾SCORE

% of 52-week high87%7

1-year return+26%7

3-year return+78%7

5-year return+59%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +78% over three years and +59% over five, ahead of 60% of the market.

It's up 26% over the past year, but 13% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+29%).

WATCH

Returns sit at the market level over the past month (-5%) and over three months (-8%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on First Financial Bancorp.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

FFBCFirst Financial Bancorp.

Revenue FY25$899M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+14%–

Revenue, next 5Y, CAGR+9%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+19%8

EPS growth, FY27E+15%8

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 14%/yr over the next 3 years, ahead of most of the market.7/10

Revenue grew 10%/yr over the last 3 years and is set to grow 14%/yr from here.

The runway holds up: revenue is set to grow 9%/yr over five years.7/10

Earnings are set to grow in step with sales (EPS about 15%/yr vs revenue 14%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE56 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-8%4

YTD return+29%8

MID & LONG-TERM▾SCORE

% of 52-week high87%7

1-year return+26%7

3-year return+78%7

5-year return+59%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +78% over three years and +59% over five, ahead of 60% of the market.

It's up 26% over the past year, but 13% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+29%).

WATCH

Returns sit at the market level over the past month (-5%) and over three months (-8%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on First Financial Bancorp.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community