FFBC
First Financial Bancorp.
FFBC's fundamentals are mixed: revenue grew 18%, while its operating margin held steady at 35%. At 11x earnings, it's trading in line with its usual 10x. Analysts expect earnings growth.
FFBC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FFBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FFBC.
FFBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $23.35 | -28% |
| Forward | 9.7x | $32.56 | — |
| Fair | 10x | $29.64 | -9% |
| Current | 11x | $32.56 | — |
| Expensive | 12x | $34.60 | +6.3% |
Historical ranges are pointers, not guarantees.
FFBC's PE is in its expensive range at 11x. If earnings grow as analysts expect, today's price would be 9.7x next year's earnings, in its fair range.
FFBC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for FFBC, with profitability improving.
FFBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.36 | +18% |
| Q3 2026 | $2.85 | +5.6% |
| Q2 2026 | $2.83 | +13% |
| Q1 2026 | $2.83 | +17% |
| Q4 2025 | $2.66 | +11% |
| Q3 2025 | $2.70 | +16% |
| Q2 2025 | $2.50 | +2.9% |
| Q1 2025 | $2.41 | -2.8% |
| Q4 2024 | $2.40 | -11% |
FFBC earned $2.85 per share over the past year, up 5.6% from the year before.
FFBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $273.9M | +17% |
| Q2 2026 | $264.2M | +17% |
| Q1 2026 | $271.5M | +36% |
| Q4 2025 | $238.8M | +6.5% |
| Q3 2025 | $234M | +16% |
| Q2 2025 | $226.3M | +5.4% |
| Q1 2025 | $200.4M | +2.6% |
| Q4 2024 | $224.3M | +12% |
FFBC's revenue has grown year over year for eight quarters in a row: $274M last quarter, up 17% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | -2.5 points |
| Q2 2026 | 36% | -3.1 points |
| Q1 2026 | 34% | +2.7 points |
| Q4 2025 | 33% | +3.3 points |
| Q3 2025 | 39% | +6.5 points |
| Q2 2025 | 39% | +4 points |
| Q1 2025 | 32% | +0.1 points |
| Q4 2024 | 30% | -5.7 points |
FFBC's operating margin was 36% last quarter, down 2.5 points from the same quarter a year ago.
FFBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $107.5M | +25% |
| Q2 2026 | $21.1M | -68% |
| Q1 2026 | $535.5M | +923% |
| Q4 2025 | $114.1M | +70% |
| Q3 2025 | $85.8M | +1.6% |
| Q2 2025 | $64.8M | +0.1% |
| Q1 2025 | $52.4M | +111% |
| Q4 2024 | $67.1M | -39% |
FFBC's free cash flow was $778M over the past year, up 188% from the year before. Free cash flow isn't a meaningful measure for financial services companies like FFBC.
FFBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +64.1K shares |
| 1 year | +9.7% | +9.2M shares |
| 3 years | +10% | +9.9M shares |
| 5 years | +10% | +9.9M shares |
| Available history | +6.2% | +6.1M shares |
FFBC has 105M diluted shares, up 9.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | $57.2M |
| Q2 2021 | $32.9M |
| Q1 2021 | $18M |
FFBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.0x | Moderate |
| Q2 2026 | 2.0x | Healthy |
| Q1 2026 | 2.1x | Moderate |
| Q4 2025 | 2.9x | Moderate |
| Q3 2025 | 1.9x | Healthy |
| Q2 2025 | 2.6x | Moderate |
| Q1 2025 | 3.2x | Elevated |
| Q4 2024 | 3.1x | Elevated |
FFBC's net debt is about 2.0 years of its operating earnings (EBITDA), about the same as a year ago. Net leverage isn't a meaningful measure for financial services companies like FFBC.
FFBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.1 | Neutral |
| Stochastic | 48.1 | Neutral |
FFBC's weekly RSI is 54 (neutral) and its Stochastic is 48 (neutral).
FFBC PE vs Financial Services Sector
| Metric | FFBC | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 12% below |
| PE % | 69 | 63 | 6 pts above |
FFBC is trading at 11x earnings, a 12% discount to the Financial Services sector's median of 13x.
FFBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $32.1 | 1.4% above |
| 20 week MA | $33.0 | 1.4% below |
| 50 week MA | $30.5 | 6.8% above |
| 100 week MA | $27.8 | 17% above |
| 200 week MA | $25.3 | 29% above |
FFBC's trend is mixed: it's above four of its five weekly moving averages, and 29% above its 200-week average.
FFBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $25.5 | $17.4 | -32% |
| 2021 | $17.4 | $24.2 | +39% |
| 2022 | $24.2 | $24.3 | +0.4% |
| 2023 | $24.3 | $23.8 | -2.2% |
| 2024 | $23.8 | $27.1 | +14% |
| 2025 | $27.1 | $25.7 | -5.1% |
| 2026 YTD | $25.7 | $32.6 | +27% |
FFBC has finished lower in three of the last six years. It's up 27% so far in 2026.