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Upturn AI SWOT - About
FFBC 
First Financial Bancorp (FFBC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
05/22/2025: 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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $27.8
Year Target Price $27.8
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -31.68% | Avg. Invested days 27 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 05/22/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.33B USD | Price to earnings Ratio 10.1 | 1Y Target Price 28.75 |
Price to earnings Ratio 10.1 | 1Y Target Price 28.75 | ||
Volume (30-day avg) - | Beta 0.96 | 52 Weeks Range 20.83 - 30.35 | Updated Date 06/29/2025 |
52 Weeks Range 20.83 - 30.35 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.94% | Basic EPS (TTM) 2.41 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.05% | Operating Margin (TTM) 36.03% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 9.58% |
Valuation
Trailing PE 10.1 | Forward PE 9.03 | Enterprise Value 2876435456 | Price to Sales(TTM) 3.05 |
Enterprise Value 2876435456 | Price to Sales(TTM) 3.05 | ||
Enterprise Value to Revenue 4.14 | Enterprise Value to EBITDA - | Shares Outstanding 95736200 | Shares Floating 93597410 |
Shares Outstanding 95736200 | Shares Floating 93597410 | ||
Percent Insiders 1.11 | Percent Institutions 81.16 |
Analyst Ratings
Rating 3.33 | Target Price 27.8 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Financial Bancorp
Company Overview
History and Background
First Financial Bancorp was founded in 1863 as The First National Bank of Hamilton. It has grown through acquisitions and organic expansion to become a regional financial services provider.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and treasury management services.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, auto loans, and credit cards.
- Wealth Management: Offers investment advisory, trust, and estate planning services to individuals and families.
Leadership and Structure
The leadership team includes Archie Brown as President and CEO. The organizational structure is based on business lines, with regional leadership teams overseeing operations in different markets.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is difficult to pinpoint exactly without proprietary information, but they compete with other regional and national banks for this business. Competitors include US Bank, Fifth Third Bank, PNC.
- Mortgages: Residential mortgage loans for home purchases and refinancing. Competitors include Chase, Rocket Mortgage and local Credit Unions. Market share data is difficult to pinpoint exactly without proprietary information, but they compete with other regional and national banks for this business.
- Treasury Management Services: Solutions for managing cash flow, payments, and collections for businesses. Competitors include JPMorgan Chase, Bank of America, and regional players like Huntington Bank. Market share data is difficult to pinpoint exactly without proprietary information, but they compete with other regional and national banks for this business.
Market Dynamics
Industry Overview
The banking industry is facing increasing regulatory scrutiny, interest rate volatility, and competition from fintech companies. Consolidation is a continuing trend.
Positioning
First Financial Bancorp is a regional bank focused on serving businesses and individuals in the Midwest. It aims to provide personalized service and local expertise.
Total Addressable Market (TAM)
The total addressable market for banking services in the Midwest is estimated to be in the hundreds of billions of dollars. FFIN is positioned as a strong regional competitor seeking to increase its market share through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diverse product offerings
- Good customer relationships
Weaknesses
- Limited geographic reach compared to larger national banks
- Dependence on Midwest economy
- Relatively smaller size impacting ability to make large tech investments
- Potential credit risks associated with economic downturn
Opportunities
- Acquisitions of smaller banks
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management services
Threats
- Increased competition from national banks and fintech companies
- Economic downturn affecting loan portfolio
- Rising interest rates impacting net interest margin
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC (PNC)
- Fifth Third Bancorp (FITB)
- Huntington Bancshares (HBAN)
Competitive Landscape
First Financial Bancorp competes with larger national banks and smaller regional banks. It differentiates itself through personalized service and local market expertise.
Major Acquisitions
Genoa Bancorp, Inc.
- Year: 2022
- Acquisition Price (USD millions): 60
- Strategic Rationale: Expanded First Financial's presence in Northwest Ohio.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic growth and strategic acquisitions.
Future Projections: Future projections would be based on analyst estimates, which are constantly evolving.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
First Financial Bancorp is a regional bank with a solid presence in the Midwest, demonstrating stability through organic growth and strategic acquisitions. While its smaller size limits its reach and investment capacity compared to national banks, it leverages strong customer relationships and local expertise. Navigating competition from fintech and economic uncertainties remains a key challenge, but expansion opportunities and digital adoption could fuel future growth. Strong fundamentals and a shareholder focus are positive indicators.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data and analyst estimates are subject to change. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
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 2021 | Website https://www.bankatfirst.com |
Full time employees 2021 | 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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