First Financial Bancorp. (FFBC) Stock

First Financial Bancorp. (FFBC) is a Financials stock trading at $32.95 (as of 2026-08-20), with a market capitalization of $3.46B and a trailing P/E of 12.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

First Financial Bancorp. is the bank holding company for First Financial Bank, providing commercial banking and related services to individuals and businesses. It offers deposit and cash management services, a range of lending products (including real estate, commercial and industrial, consumer, and home equity credit), and trust and wealth management services across Ohio, Indiana, Kentucky, and Illinois.

Understand First Financial Bancorp.: how it makes money

First Financial Bancorp. operates as the bank holding company for First Financial Bank, providing commercial banking services by taking customer deposits and making real estate loans, and it generates revenue from operating activities, including leasing business revenue and wealth management revenue.

The profit engine is rooted in using deposits (interest-bearing and noninterest-bearing accounts, time deposits, and cash management services) to fund lending and related financial services, with additional revenue streams from leasing and wealth management.

Business quality (Solid): Business model is clear (deposit-taking plus real estate lending and related services), but the provided data does not include a clean, official segment breakdown that sums to total revenue.

Valuation: At 11× earnings, FFBC trades 12% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Deposit and service base: The company accepts multiple deposit products (including cash management services), supporting its commercial banking offering to individuals and businesses.
  • Multiple revenue contributors: In addition to operating revenue, revenue sources called out include leasing business revenue and wealth management revenue.

Bear case

  • Real estate loan exposure: The company provides real estate loans secured by residential and commercial property, which can create sensitivity to real estate and borrower conditions.
  • Regional footprint concentration: Services are described as being provided in Ohio, Indiana, Kentucky, and Illinois, which can concentrate economic and competitive risks in those states.
Valuation — source: SEC EDGAR (first-party)
Price$32.95
Market Cap$3.46B
P/E Ratio12.1
EV / EBITDA10.6
Price / Book1.16
Price / Sales3.21
FCF Yield21.9%
DCF Value (model)$38.79
DCF Upside vs Price17.7%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.00B
Net Margin25.5%
Revenue Growth (YoY)14.2%
EPS Growth (YoY)0.0%
FCF Growth (YoY)-67.5%
Valuation vs Sector & Industry
Stock P/E12.1
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-19.9%
vs Industry-6.1%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($423.85M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOArchie Brown Jr.
Employees2,021
CountryUS
IPO Date1983-12-21

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • WSFS Financial Corporation (WSFS)
  • WesBanco, Inc. (WSBC)
  • BancFirst Corporation (BANF)
  • Park National Corporation (PRK)
  • Nicolet Bankshares, Inc. (NIC)
  • Simmons First National Corporation (SFNC)
  • Community Bank System, Inc. (CBU)
  • Banc of California, Inc. (BANC)
FFBC earnings history · FFBC institutional & insider holders · FFBC KPIs & operating metrics · FFBC financials · FFBC investor presentations & press releases · FFBC SEC filings · FFBC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.