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Upturn AI SWOT - About
FFBC 
First Financial Bancorp (FFBC)
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Upturn Advisory Summary
11/04/2025: FFBC (1-star) is currently NOT-A-BUY. Pass it for now.
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 $29.83
1 Year Target Price $29.83
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -33.41% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/04/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.27B USD | Price to earnings Ratio 8.77 | 1Y Target Price 29.83 |
Price to earnings Ratio 8.77 | 1Y Target Price 29.83 | ||
Volume (30-day avg) 6 | Beta 0.95 | 52 Weeks Range 20.69 - 30.06 | Updated Date 11/4/2025 |
52 Weeks Range 20.69 - 30.06 | Updated Date 11/4/2025 | ||
Dividends yield (FY) 4.14% | Basic EPS (TTM) 2.7 |
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.75 | Actual 0.76 |
Profitability
Profit Margin 31.63% | Operating Margin (TTM) 42.52% |
Management Effectiveness
Return on Assets (TTM) 1.41% | Return on Equity (TTM) 10.16% |
Valuation
Trailing PE 8.77 | Forward PE 8.09 | Enterprise Value 2343825152 | Price to Sales(TTM) 2.78 |
Enterprise Value 2343825152 | Price to Sales(TTM) 2.78 | ||
Enterprise Value to Revenue 4.04 | Enterprise Value to EBITDA - | Shares Outstanding 95755632 | Shares Floating 93650591 |
Shares Outstanding 95755632 | Shares Floating 93650591 | ||
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, as a national bank. It has grown through organic expansion and acquisitions, evolving into a diversified financial services company serving individuals and businesses across the Midwest.
Core Business Areas
- Commercial Banking: Provides lending, treasury management, and other financial services to businesses of various sizes.
- Retail Banking: Offers checking accounts, savings accounts, mortgages, and other personal financial services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and institutions.
Leadership and Structure
Archie Brown is the current President & CEO. The organizational structure includes various executive leadership positions overseeing different business segments and support functions. They are listed publicly on the NASDAQ.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share is difficult to pinpoint precisely but is estimated to be relatively small in the highly fragmented regional banking market. Competitors include larger national banks and other regional banks.
- Mortgages: Residential mortgages offered to individuals and families. Market share is estimated to be small, and they compete with national mortgage lenders and other regional banks. Rates fluctuate frequently.
- Treasury Management Services: Services offered to assist businesses with management of their finances. Market share is small and they compete with larger financial firms.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving customer expectations. Regulatory changes and technological advancements are also shaping the landscape.
Positioning
First Financial Bancorp is a regional bank focused on building relationships with customers in the Midwest. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in the Midwest is estimated to be worth billions of dollars. First Financial Bancorp is positioned to capture a portion of this market through its branch network and online channels.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diversified business model
- Strong credit quality
Weaknesses
- Limited brand recognition outside of the Midwest
- Smaller asset base compared to larger competitors
- Dependence on interest rate environment
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisition opportunities
- Growing demand for wealth management services
Threats
- Increased competition from national banks and fintech companies
- Regulatory changes
- Economic downturn
- Rising interest rates
Competitors and Market Share
Key Competitors
- KEY
- HBAN
- CMA
Competitive Landscape
FFBC faces intense competition from larger national and regional banks. Its advantage lies in its local focus and customer relationships. It needs to continue to innovate and adapt to changing market conditions to remain competitive.
Major Acquisitions
Genoa Bancorp, Inc.
- Year: 2022
- Acquisition Price (USD millions): 105
- Strategic Rationale: Expansion of First Financial's footprint into Northwest Ohio. Enhancing the banking corporation's market presence and increasing its opportunities in the area.
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis requires current financial data which is not available at this moment.
Future Projections: Future growth projections requires current financial data which is not available at this moment.
Recent Initiatives: Recent strategic initiatives analysis requires current financial data which is not available at this moment.
Summary
First Financial Bancorp is a regional bank with a solid presence in the Midwest. Its strengths include its local market knowledge and personalized service. It faces challenges from larger competitors and the evolving banking landscape. To maintain its position, First Financial must focus on innovation, efficiency, and strategic growth initiatives.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (e.g., 10-K, 10-Q)
- Earnings call transcripts
- Industry reports
- Financial news sources
- SEC.gov
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual risk tolerance and due diligence. Market share data is estimates and may not be precise.
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 1986 | Website https://www.bankatfirst.com |
Full time employees 1986 | 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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