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Upturn AI SWOT - About
FFBC 
First Financial Bancorp (FFBC)
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Upturn Advisory Summary
08/14/2025: 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 $29.5
1 Year Target Price $29.5
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -29.76% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.36B USD | Price to earnings Ratio 9.97 | 1Y Target Price 29.5 |
Price to earnings Ratio 9.97 | 1Y Target Price 29.5 | ||
Volume (30-day avg) 6 | Beta 0.96 | 52 Weeks Range 20.89 - 30.35 | Updated Date 08/15/2025 |
52 Weeks Range 20.89 - 30.35 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.81% | Basic EPS (TTM) 2.5 |
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 0.682 | Actual 0.74 |
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 9.97 | Forward PE 8.75 | Enterprise Value 2706937088 | Price to Sales(TTM) 3.02 |
Enterprise Value 2706937088 | Price to Sales(TTM) 3.02 | ||
Enterprise Value to Revenue 3.98 | Enterprise Value to EBITDA - | Shares Outstanding 94727400 | Shares Floating 93612898 |
Shares Outstanding 94727400 | Shares Floating 93612898 | ||
Percent Insiders 1.11 | Percent Institutions 80.3 |
Upturn AI SWOT
First Financial Bancorp
Company Overview
History and Background
First Financial Bancorp. was established in 1863 in Hamilton, Ohio. It has grown through acquisitions and organic expansion to become a diversified financial services provider in the Midwest.
Core Business Areas
- Commercial Banking: Provides a wide array of lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Offers deposit accounts, loans, and investment services to individual customers.
- Wealth Management: Delivers financial planning, investment management, and trust services to high-net-worth individuals and families.
Leadership and Structure
Archie Brown is the President and CEO. The company operates under a traditional corporate structure with various executive-level officers overseeing different business segments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses, including term loans, lines of credit, and commercial real estate loans. Revenue from this area is hard to calculate without First Financial's internal reports. Competitors include larger banks like JPMorgan Chase (JPM) and regional banks like Fifth Third Bancorp (FITB).
- Mortgage Loans: Offers residential mortgage loans to individual borrowers. This is a significant revenue stream. Competitors are Rocket Mortgage and Wells Fargo (WFC) and local banks
- Deposit Accounts: A range of checking, savings, and money market accounts that attract deposits. Competitors include national banks, online banks, and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment marked by rising interest rates, regulatory changes, and increasing competition from fintech companies.
Positioning
First Financial Bancorp is a regional bank focused on the Midwest. Its competitive advantage lies in its strong local presence and relationship-based banking approach.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest is estimated to be in the billions of dollars. First Financial is well positioned to capture a significant portion through its strong local presence.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diversified business model
- Relationship-based banking approach
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Exposure to regional economic fluctuations
Opportunities
- Expanding into new markets within the Midwest
- Acquiring smaller community banks
- Investing in technology to enhance customer experience
- Growing wealth management business
Threats
- Rising interest rates
- Increasing competition from fintech companies
- Economic downturn in the Midwest
- Regulatory changes
Competitors and Market Share
Key Competitors
- Fifth Third Bancorp (FITB)
- Huntington Bancshares (HBAN)
- Old National Bancorp (ONB)
Competitive Landscape
First Financial Bancorp faces competition from larger regional and national banks. Its advantages include its local expertise and customer relationships. Its disadvantages include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data unavailable due to access restrictions.
Future Projections: Future projections are unavailable due to data access restrictions.
Recent Initiatives: Recent initiatives data unavailable due to data access restrictions.
Summary
First Financial Bancorp is a regional bank with a diversified business model and a strong presence in the Midwest. It faces competition from larger banks and fintech companies. It could improve by expanding its geographic reach and investing in technology.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available information and limited datasets.
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximations.
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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