FFBC
First Financial Bancorp.
Financial Services · Banks - Regional · NMS
$30.85
Data: 2026-05-28
✗ ETHICAL FAIL

Unknown MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$3.2B
Total market value of the company
10.89
Reasonably valued
8.99
Based on estimated future earnings — lower means cheaper
Rev Growth
+32.3%
Year-over-year revenue change
Profit Margin
30.4%
How much profit the company keeps from each dollar of revenue
10.2%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$34.00
+10% from current price — median analyst estimate
Recommendation
NONE
Consensus view from 7 analysts covering this stock
About First Financial Bancorp.

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-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 retail and 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, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

https://www.bankatfirst.com

Country: United States Employees: 2,319 Industry: Banks - Regional
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0% N/A
Debt must be below 33% of total assets
Cash Ratio
0.0% N/A
Interest-bearing cash below 33% of assets
Receivables
0.0% N/A
Receivables below 49% of assets
Revenue Purity
0.0% N/A
Non-compliant revenue below 5% — any excess requires purification
Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

ACCUMULATION
Smart money appears to be building positions quietly
0.851
Good returns relative to risk taken
0.0559
Suggested allocation is meaningful — the edge justifies a position
0.889
Acceptable balance between returns and drawdown risk
Annual Return
23.2%
Historical annualised return based on price data
-26.1%
Largest peak-to-trough decline — the worst it has been
BEAR
Statistical model detects bearish conditions
Days in State
153
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

0.95
Less volatile than the market — more defensive
52W High
$31.38
2% below the year high
52W Low
$22.93
35% above the year low
Avg Volume
863,585
Average daily shares traded — higher means easier to buy and sell
4.0
Days it would take all short sellers to cover — higher means more crowded
Short % Float
4.3%
Low short interest — limited bearish positioning
325.0%
Annual dividend as a percentage of the share price
$2.83
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Quick Ratio
N/A
Like current ratio but excludes inventory — stricter test
Gross Margin
0.0%
Revenue left after cost of goods — higher means pricing power
Operating Margin
37.3%
Profit from core operations before interest and tax
N/A
Negative — the business is spending more than it generates
Revenue (TTM)
$917M
Total revenue over the last 12 months
Net Income
$279M
Profitable — the bottom line is positive
Analyst Coverage
Analysts
7
Target High
$37.00
Target Median
$34.00
Target Low
$30.00
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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