First Financial Bancorp. (FFBC)

NEUTRAL

Financial ServicesBanks - RegionalUnited States

Fondamentale

Prezzo

$32.65

Capitalizzazione

$3.47B

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Parte 1 · Quanto vale l'azienda

Panoramica

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.

Per questa società non c'è ancora una scheda redazionale

Concorrenti diretti

Con chi questa società si contende gli stessi clienti

Per questa società non c'è ancora una scheda redazionale

Per questa società non c'è ancora un elenco di concorrenti.

Stato Patrimoniale e Liquidità

Ricavi

$1.01B

Ultimi 12 mesi (al 30/06/2026)

Utile Netto

$285M

Ultimi 12 mesi (al 30/06/2026)

Free Cash Flow

$317M

Patrimonio Netto Totale

$2.77B

Passività Totali

$18.36B

Rapporto di Liquidità

Copertura Interessi

0.50

Debito/EBITDA

Utile per Azione

Ricavi e Utile Netto

Free Cash Flow

Scomposizione Ricavi

Prospetto storico

Margini nel tempo

Il debito nel tempo

Griglia della crescita

Crescita — Ricavi

Stima del Fair Value

BancaCorrettamente Valutato

Fair Value

$29.52

Prezzo Attuale

$32.65

Margine di Sicurezza

-10.6%

Range Fair Value

$23.21 - $35.84

Metodi di Stima

Target degli analisti:$37.57

Flussi di cassa scontati (DCF):Non applicabile a questo tipo di azienda

Multiplo sugli utili (P/E):$29.08

Formula di Graham:Non applicabile a questo tipo di azienda

Valore della capacità di reddito (EPV):Non applicabile a questo tipo di azienda

P/B giustificato:$29.64

Sconto dei dividendi (Gordon):$17.62

P/FFO, i fondi da operazioni:Non applicabile a questo tipo di azienda

Utili di mezzo ciclo:Non applicabile a questo tipo di azienda

Multiplo sui ricavi:Non applicabile a questo tipo di azienda

Consenso Analisti:Buy (8B / 5H / 0S)

Ultima Sorpresa Utili:-7.25%

Metriche di Valutazione

Rapporto P/E

11.64

ROE

9.2%

Rapporto P/B

1.16

P/FCF

4.57

Margine Lordo

ROIC

Radar Redditività

Creazione di Valore (Vantaggio Competitivo)

ROIC

WACC

11.0%

ROIC − WACC

Criteri di Analisi Fondamentale

Superati (15)

P/FCF 4.57
P/B Ratio 1.16
Operating Margin 35.5%
Positive Free Cash Flow
CapEx intensity
Low reliance on intangibles
Price below Graham Number
ROE 10.1%
Revenue Growth 5Y 11.9%
Analyst Consensus 62% Buy
Earnings Surprise avg 2.9%
PEG Ratio 1.16
Earnings Quality (OCF/NI) 2.78
Share Dilution 0.8%
Net Margin Trend 28.3% vs 28.0%

Non superati (8)

EPS shows upward trend
EPS CAGR -3.60%
Price CAGR 1.50%
Debt/Equity ratio
Interest Coverage
Return on Tangible Assets
DCF valuation (Fairly valued)
Piotroski F-Score 4/9

Non disponibili (5)

ROIC NaN%
Gross Margin NaN%
Dividend Payout NaN%
Current Ratio
Debt/EBITDA

Piotroski F-Score

4/9

Segnali misti: alcune aree necessitano attenzione

score

criteria

Qualità degli Utili

2.78

Alta qualità: utili supportati da cash

Diluizione Azionaria

0.8%

Numero di azioni stabile

Governance

Team Dirigenziale

Nome	Ruolo	Età
Mr. Archie M. Brown Jr.	President, CEO & Director	64
Mr. James Michael Anderson	Executive VP, CFO & COO	53
Ms. Karen Ball Woods J.D.	Executive VP, General Counsel, Chief Administrative Officer & Corporate Secretary	57
Mr. Richard S. Dennen CPA	Executive VP & Chief Corporate Banking Officer	58
Ms. Amanda N. Neeley	Executive VP and Chief Consumer Banking & Strategy Officer	44
Mr. Gregory A. Harris	President of Yellow Cardinal Advisory Group	55
Mr. Roddell McCullough	Chief Responsibility Officer	-
Mr. William R. Harrod	Executive VP & Chief Credit Officer	57
Mr. James R. Shank	Chief Internal Auditor	-
Ms. Ann Davis	Mortgage Lending President	-

Rischio Audit

Rischio CdA

Rischio Compensi

Rischio Diritti Azionisti

Parte 2 · Il prezzo e il momento d'ingresso

Questa parte non serve a capire se l'azienda vale: serve a scegliere quando comprarla, dopo che i fondamentali ti hanno convinto. Dentro: analisi tecnica, potenziale, drawdown storici, esposizione gamma.

Ultime Notizie

Ultime notizie per FFBC, da Markets Gazette.

4/24/2026NEUTRAL
Full Transcript: First Financial Bancorp Q1 2026 Earnings Call
First Financial Bancorp has released the full transcript of its Q1 2026 Earnings Call. While the transcript provides detailed insights into the company's performance, strategic initiatives, and future outlook, it does not contain specific forward-looking guidance or immediate performance metrics that would suggest a significant shift in the stock's valuation. Investors should review the transcript for qualitative information regarding management's commentary on market conditions, operational efficiency, and growth opportunities, but the document itself is primarily informational.

via Markets Gazette