# First Financial Bancorp. (FFBC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $32.98, market value $3.5 billion.

## Valuation
- **P/E (trailing): 11.7×** (5-yr avg 9.3×, 3-yr avg 9.3×). First Financial Bancorp. trades at 11.7× 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 9.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.88**. A PEG of 0.88 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: 21.9%** (5-yr avg 14.8%). Free cash flow equals 21.9% 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: 8.6%**. The inverse of the P/E: 8.6% 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: 3.06%** ($1.00 per share, trailing). First Financial Bancorp. yields 3.06%, 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.

## Price and momentum
- **Total return (1 yr): 26.9%** (YTD 34.1%, 3-mo 6.9%). The shares are up 26.9% over twelve months including dividends.
- **From 52-week high: -9.0%** (43.0% above the low). Trading 9% 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): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): 0.66** (volatility 25%). Beta of 0.66 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.