First Financial Bancorp.(FFBC) Stock Research - Grey Stern Research

First Financial Bancorp. (FFBC) Stock Analysis

$28.84 (-1.60%)

FFBC Financial Performance


Use the table below to view First Financial Bancorp.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q3 - 2024

Metric Value Ranking among Peers
Price $28.84 -
52 Week Low $20.59 -
52 Week High $31.18 -
Market Cap $2.8 Billion 1/15
Gross Margin 100% 1/15
Profit Margin 35% 1/15
EBITDA margin 45% 2/15
Q3 - 2024 Revenue $149.0 Million 1/15
Q3 - 2024 Earnings $52.5 Million 1/15
Q3 - 2024 Free Cash Flow $97.1 Million 1/15
Trailing 4 Quarters Revenue $1.0 Billion 1/15
Trailing 4 Quarters Earnings $220.7 Million 1/15
Quarterly Earnings Growth -17% 8/15
Annual Earnings Growth -15% 8/15
Quarterly Revenue Growth -30% 15/15
Annual Revenue Growth 22% 13/15
Cash On Hand $851.2 Million 1/15
Short Term Debt $811.7 Million 1/15
Long Term Debt $345.6 Million 3/15

First Financial Bancorp. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare First Financial Bancorp.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 12.48 10/15
PS 2.66 7/15
PB 1.12 8/15
PC 3.24 6/15
Liabilities to Equity 6.41 14/15
ROA 0.01 1/15
ROE 0.09 6/15
Current Ratio 1.16 2/15
Quick Ratio 0.26 2/15
Long Term Debt to Equity 0.14 11/15
Debt to Equity 0.45 10/15
Burn Rate 5.18 1/15
Cash to Cap 0.31 2/15
CCR 1.85 1/15
EV to EBITDA 44.77 8/15
EV to Revenue 2.91 10/15

Company Details

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.

CEO: Mr. Archie Brown

Website: https://www.bankatfirst.com

Address: 255 E 5th St Ste 800 Cincinnati, OHIO

Exchange: NASDAQ Global Select

Industry: Banks—Regional

First Financial Bancorp. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to First Financial Bancorp.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
National Bank Holdings Corporation NBHC $1.8 Billion
Heritage Financial Corporation HFWA $891.7 Million
Lakeland Financial Corporation LKFN $1.9 Billion
Great Southern Bancorp, Inc. GSBC $742.9 Million
Independent Bank Corporation IBCP $787.5 Million
Northfield Bancorp, Inc. (Staten Island, NY) NFBK $559.0 Million
The First Bancshares, Inc. FBMS $1.1 Billion
First Northwest Bancorp FNWB $104.0 Million
First Financial Northwest, Inc. FFNW $205.8 Million
Bank of South Carolina Corporation BKSC $73.1 Million
Community West Bancshares CWBC $414.5 Million
Home Bancorp, Inc. HBCP $403.7 Million
Lake Shore Bancorp, Inc. LSBK $75.9 Million
Finward Bancorp FNWD $133.8 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
FFBC Income Statements
Quarter Year Revenue Earnings
Q3 2024 $ 149.0 Million $52.5 Million
Q2 2024 $ 314.3 Million $60.8 Million
Q1 2024 $ 287.2 Million $50.7 Million
Q4 2023 $ 285.4 Million $56.7 Million
Q3 2023 $ 212.1 Million $63.1 Million
Q2 2023 $ 212.5 Million $65.7 Million
Q1 2023 $ 214.9 Million $70.4 Million
Q4 2022 $ 213.9 Million $69.1 Million

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FFBC Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q3 2024 $851.2 Million $18.1 Billion $1.1 Billion $2.5 Billion
Q2 2024 $193.8 Million $18.2 Billion $1.6 Billion $2.3 Billion
Q1 2024 $950.7 Million $17.6 Billion $1.2 Billion $2.3 Billion
Q4 2023 $213.1 Million $17.5 Billion $1.3 Billion $2.3 Billion
Q3 2023 $673.2 Million $17.1 Billion $1.3 Billion $2.1 Billion
Q2 2023 $702.6 Million $17.1 Billion $1.6 Billion $2.1 Billion
Q1 2023 $505.3 Million $16.9 Billion $1.6 Billion $2.1 Billion
Q4 2022 $595.7 Million $17.0 Billion $1.6 Billion $2.0 Billion

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FFBC Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q3 2024 $97.1 Million $10.4 Million -$3.2 Million
Q2 2024 $66.2 Million -$3.3 Million -$5.3 Million
Q1 2024 $24.8 Million -$7.1 Million -$13.7 Million
Q4 2023 $5.2 Million $0 $5.2 Million
Q3 2023 -$54,000 $0 -$58,000
Q2 2023 $99.3 Million -$7.5 Million $17.6 Million
Q1 2023 $167.7 Million -$4.5 Million -$7.7 Million
Q4 2022 $15.7 Million -$10.9 Million $11.9 Million

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