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First Financial Bancorp(FFBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FFBC
09/18/2026: FFBC (1-star) is currently NOT-A-BUY. Pass it for now.
First Financial Bancorp is a regional bank providing commercial, retail, and wealth management services, primarily within the Midwestern United States. The company is known for its relationship-based banking model, stable deposit base, and consistent history of dividend payments, making it a potentially suitable fit for income-oriented and value-focused investors. Its primary growth opportunity lies in leveraging its regional scale and digital initiatives to capture additional commercial market share. However, the company faces risks from intense competition from national peers, geographic concentration, and interest rate sensitivity. Monitoring regional economic health and the company's success in controlling funding costs remain key developments for shareholders.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company focuses on steady, incremental growth rather than aggressive expansion. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and is not typically driven by high-momentum trading cycles. |
| Value investor | Strong fit | The stock is often viewed as a value play due to its regional banking business model and dividend history. |
| Dividend investor | Strong fit | The company provides a consistent and reliable dividend yield suited for income-focused portfolios. |
| Low-risk investor | Strong fit | Regional banking is generally considered a lower-risk investment compared to high-growth sectors, though it carries credit cycle risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is subject to broader market trends and shifts in interest rate expectations. |
| Valuation risk | Low | Trading multiples are generally consistent with regional banking peers. |
| Competition risk (regional bank peers) | Medium / high | The company competes with much larger players with deeper resources. |
| Business quality | Medium | It is a solid regional franchise with stable, yet geographically constrained operations. |
| Dividend income | Medium | Dividends depend on earnings stability and regulatory capital requirements. |
| Execution risk | Medium | Future growth depends on the successful integration of potential future acquisitions and organic loan growth. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -12.08% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/18/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.37B USD | Price to earnings Ratio 11.39 | 1Y Target Price 37.57 |
Price to earnings Ratio 11.39 | 1Y Target Price 37.57 | ||
Volume (30-day avg) 722.5K shares | Beta 0.92 | 52 Weeks Range 22.26 - 35.96 | Updated Date 09/18/2026 |
52 Weeks Range 22.26 - 35.96 | Updated Date 09/18/2026 | ||
Dividends yield (FY) 3.11% | Basic EPS (TTM) 2.82 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | This is the primary way the bank profits, acting as the spread between what they charge borrowers and pay depositors. |
| Non-Interest Income | Service fees, wealth management fees, and deposit account charges. | This provides diversified fee-based revenue that reduces reliance solely on interest rate spreads. |
| Geographic Operations | Banking activities in Ohio, Indiana, Kentucky, and Illinois. | Performance is tied to the regional economic health of the Midwestern United States. |
Valuation
Trailing PE 11.39 | Forward PE 9.2 | Enterprise Value 3.59B | Price to Sales(TTM) 3.54 |
Enterprise Value 3.59B | Price to Sales(TTM) 3.54 | ||
Enterprise Value to Revenue 4.39 | Enterprise Value to EBITDA - | Shares Outstanding 104.96M | Shares Floating 103.74M |
Shares Outstanding 104.96M | Shares Floating 103.74M | ||
Percent Insiders 0.99 | Percent Institutions 86.75 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About First Financial Bancorp
Exchange NASDAQ | Headquarters Cincinnati, OH, United States | ||
IPO Launch date 1990-03-26 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2371 | Website https://www.bankatfirst.com |
Full time employees 2371 | Website https://www.bankatfirst.com | ||
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.
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