First Financial Bancorp (FFBC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Financial Bancorp stock (FFBC) is currently trading at $27.32. First Financial Bancorp PE ratio is 10.04. First Financial Bancorp PS ratio (Price-to-Sales) is 3.27. Analyst consensus price target for FFBC is $32.00. WallStSmart rates FFBC as Moderate Buy.
- FFBC PE ratio analysis and historical PE chart
- FFBC PS ratio (Price-to-Sales) history and trend
- FFBC intrinsic value — DCF, Graham Number, EPV models
- FFBC stock price prediction 2025 2026 2027 2028 2029 2030
- FFBC fair value vs current price
- FFBC insider transactions and insider buying
- Is FFBC undervalued or overvalued?
- First Financial Bancorp financial analysis — revenue, earnings, cash flow
- FFBC Piotroski F-Score and Altman Z-Score
- FFBC analyst price target and Smart Rating
First Financial Bancorp
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FFBC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Financial Bancorp (FFBC)
FFBC trades 68% above its Graham fair value of $18.09, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Financial Bancorp (FFBC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity and eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
First Financial Bancorp (FFBC) Key Strengths (7)
Keeps $39 of every $100 in revenue after operating costs
Keeps $30 of every $100 in revenue as net profit
77.95% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.01x book value, attractively priced
Strong revenue growth at 21.60% annually
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
First Financial Bancorp (FFBC) Areas to Watch (3)
Earnings declining -5.80%, profits shrinking
Low profitability relative to shareholder equity
Revenue is fairly priced at 3.27x sales
First Financial Bancorp (FFBC) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 7 register as strengths (avg 8.7/10) while 3 fall into concern territory (avg 3.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including PEG Ratio (1.12), Price/Book (1.01) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 38.60%, Profit Margin at 29.90%. Growth metrics are encouraging with Revenue Growth at 21.60%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.27) suggest expensive pricing. Growth concerns include EPS Growth at -5.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.82%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.82% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 21.60% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FFBC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FFBC's Price-to-Sales ratio of 3.27x trades 42% below its historical average of 5.6x (0th percentile). The current valuation is 62% below its historical high of 8.62x set in Dec 2016, and 0% above its historical low of 3.27x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Financial Bancorp (FFBC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Financial Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 855M with 22% growth year-over-year. Profit margins are strong at 29.9%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 982.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 29.9% and operating margin of 38.6% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can First Financial Bancorp maintain 22%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 367.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 1.2B is significantly higher than cash (179M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Financial Bancorp.
Bottom Line
First Financial Bancorp offers an attractive blend of growth (22% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(41 last 3 months)
| Insider | Type | Shares |
|---|---|---|
SHANK, JAMES R Chief Internal Auditor | Sell | -3,420 |
| Insider | Type | Shares |
|---|---|---|
SHANK, JAMES R Chief Internal Auditor | Sell | -320 |
| Insider | Type | Shares |
|---|---|---|
WOODS, KAREN B General Counsel & CAO | Sell | -10,000 |
| Insider | Type | Shares |
|---|---|---|
DENNEN, RICHARD S Chief Corp. Banking Officer | Sell | -20,000 |
| Insider | Type | Shares |
|---|---|---|
HARRIS, GREGORY A President, Wealth Management | Sell | -1,821 |
| Insider | Type | Shares |
|---|---|---|
WOODS, KAREN B General Counsel & CAO | Sell | -5,342 |
Data sourced from SEC Form 4 filings
Last updated: 8:22:17 AM
About First Financial Bancorp(FFBC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Financial Bancorp. The company is headquartered in Cincinnati, Ohio.