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Upturn AI SWOT - About
FFBC 
First Financial Bancorp (FFBC)
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Upturn Advisory Summary
09/12/2025: FFBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $29.8
1 Year Target Price $29.8
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -30.66% | Avg. Invested days 24 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.46B USD | Price to earnings Ratio 10.38 | 1Y Target Price 29.8 |
Price to earnings Ratio 10.38 | 1Y Target Price 29.8 | ||
Volume (30-day avg) 6 | Beta 1.01 | 52 Weeks Range 20.69 - 30.06 | Updated Date 09/14/2025 |
52 Weeks Range 20.69 - 30.06 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 3.67% | Basic EPS (TTM) 2.5 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.53% | Operating Margin (TTM) 42.89% |
Management Effectiveness
Return on Assets (TTM) 1.3% | Return on Equity (TTM) 9.77% |
Valuation
Trailing PE 10.38 | Forward PE 8.24 | Enterprise Value 2805563648 | Price to Sales(TTM) 3.15 |
Enterprise Value 2805563648 | Price to Sales(TTM) 3.15 | ||
Enterprise Value to Revenue 4.09 | Enterprise Value to EBITDA - | Shares Outstanding 94727400 | Shares Floating 93648327 |
Shares Outstanding 94727400 | Shares Floating 93648327 | ||
Percent Insiders 1.1 | Percent Institutions 80.73 |
Upturn AI SWOT
First Financial Bancorp
Company Overview
History and Background
First Financial Bancorp was founded in 1863 in Hamilton, Ohio. Initially established as a national bank, it has grown through organic expansion and strategic acquisitions, evolving into a diversified financial services company.
Core Business Areas
- Commercial Banking: Offers a range of banking products and services to businesses, including commercial loans, lines of credit, treasury management, and international banking services.
- Retail Banking: Provides banking products and services to individuals, including checking and savings accounts, mortgages, consumer loans, and investment services.
- Wealth Management: Offers financial planning, investment management, trust, and estate services to high-net-worth individuals and families.
Leadership and Structure
Archie Brown serves as the President and CEO. The organizational structure consists of various departments, including commercial banking, retail banking, wealth management, finance, and risk management, each headed by senior executives reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides various commercial loans to businesses for working capital, expansion, and acquisitions. Market share data not publicly available. Competitors include regional and national banks such as Fifth Third Bancorp and Huntington Bancshares.
- Mortgages: Offers residential mortgages to individuals. Market share data not publicly available. Competitors include large national mortgage lenders like Rocket Mortgage and Wells Fargo.
- Wealth Management Services: Provides financial planning, investment management, and trust services. Competitors include firms such as Charles Schwab and Fidelity.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Digital transformation and fintech innovation are reshaping the industry landscape.
Positioning
First Financial Bancorp is a regional bank focusing on providing community-based financial services. Its competitive advantages include strong customer relationships and local market expertise.
Total Addressable Market (TAM)
The US banking market is estimated to be worth trillions of dollars. First Financial Bancorp's TAM is the Midwest regional banking market. The company is positioned to grow its share in its existing market due to strong local presence.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Diversified product offerings
- Solid capital base
- Experienced management team
Weaknesses
- Limited geographic reach compared to larger national banks
- Vulnerability to regional economic downturns
- Reliance on traditional banking models
- Lower brand recognition outside its core markets
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Strategic acquisitions to enhance market share
- Growing demand for wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates impacting loan demand
- Regulatory changes and compliance costs
- Economic recession affecting loan quality
Competitors and Market Share
Key Competitors
- FITB
- HBAN
- KEY
Competitive Landscape
First Financial Bancorp faces competition from larger national banks, regional banks, and fintech companies. Its competitive advantages include strong customer relationships and local market expertise. Disadvantages is lack of national presence and smaller marketing budget
Major Acquisitions
MainSource Financial Group
- Year: 2018
- Acquisition Price (USD millions): 1000
- Strategic Rationale: Expanded First Financial Bancorp's presence in Indiana and enhanced its market share in the Midwest.
Growth Trajectory and Initiatives
Historical Growth: First Financial Bancorp has experienced steady growth in revenue and earnings over the past five years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and increased adoption of digital banking technologies. EPS is expected to grow at a rate of 6-8% per year.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion into new geographic markets, and strategic acquisitions.
Summary
First Financial Bancorp exhibits steady growth driven by strategic initiatives and a strong regional presence. Its focus on community banking fosters strong customer relationships, however, it has limited geographic reach compared to national banks, and faces competition from fintech. The company has experienced steady historical growth. Recent acquisitions have boosted its market position and further expansion into digital banking is expected to drive continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Market research reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share estimates are approximate and may vary depending on the source.
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.
About First Financial Bancorp
Exchange NASDAQ | Headquaters Cincinnati, OH, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Director Mr. Archie M. Brown Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2033 | Website https://www.bankatfirst.com |
Full time employees 2033 | Website https://www.bankatfirst.com | ||
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 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 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; and 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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