# First Financial Bancorp. (FFBC) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $32.72, market value $3.4 billion.

## Valuation
- **P/E (trailing): 11.5×** (5-yr avg 9.3×, 3-yr avg 9.3×). First Financial Bancorp. trades at 11.5× trailing earnings, well above its own five-year average of 9.3×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.85**. A PEG of 0.85 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 22.0%** (5-yr avg 14.8%). Free cash flow equals 22.0% of the market value, above its five-year average of 14.8%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 8.7%**. The inverse of the P/E: 8.7% of the price is earned each year.

## Profitability
- **Return on equity: 9.2%**. 9.2% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 10.8%** (3-yr 5.0%/yr, 5-yr 10.8%/yr). Earnings per share rose 10.8%.
- **Free-cash-flow growth (3 yr): 19.2%/yr**. Free cash flow has compounded at 19.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 3.18%** ($1.01 per share, trailing). First Financial Bancorp. yields 3.18%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 37%** (13% of free cash flow). 37% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 11**. 11 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 1.3%/yr** (1-yr 4.3%). The dividend has grown 1.3% a year over five years.

## Analyst view
- **Analyst consensus: buy** (7 analysts). 7 analysts cover First Financial Bancorp.; the consensus is buy, with an average price target of $37.71 (+15% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 44.9%** (YTD 34.2%, 3-mo -3.3%). The shares are up 44.9% over twelve months including dividends.
- **From 52-week high: -9.7%** (41.3% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): 0.58** (volatility 23%). Beta of 0.58 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FFBC · Page: https://foliofundamentals.com/stocks/ffbc

Not investment advice.