FFBC
First Financial Bancorp.
Financial Services · Banks - Regional · NMS
$30.82
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$3.2B
Trailing P/E
10.89
Forward P/E
8.99
Rev Growth
+32.3%
Profit Margin
30.4%
ROE
10.2%
Analyst Target
$34.00
Recommendation
NONE
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.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 78.5
Score Quality: 76.0
Score Combined: 59.1

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality77.0
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: BRONZE · Score: 54.2 · Rank: #986
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$3.1B
Price/Book
1.10
Beta
0.945
Analysts
7
Total Revenue (TTM)
$917.2M
Total Debt
$1.5B
Earnings Growth
+31.5%
Dividend Yield
325.0%
Short Ratio
4.02
Short % Float
0.0%
Employees
2,319

Elite Intelligence

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Trade Consideration
The Opportunity
Score 59.1 (P94 — top 5.9% of scored tickers). Unknown Moat. Ethical FAIL. 7 analysts at None.
Price: $30.82 | Target: $33.43 (+8%)
Score
59
Moat
Unknown
Conviction
Standard
Upside
+8%
The Fundamentals
Revenue Growth+32.3%
Profit Margin30.4%
ROE10.2%
Forward P/E9.0
Market Cap$3.2B
Position Sizing Scenarios
Stop: $26.20 (-15%) | Entry: $30.82
SharesCostProfit to TargetR:R
To Consensus ($33.43, 7 analysts)
10$308.20+$26.10 (8%)0.6R
50$1,541.00+$130.50 (8%)0.6R
100$3,082.00+$261.00 (8%)0.6R
Risk Factors
  • Elevated short interest (4.02 days to cover)
The Verdict
First Financial Bancorp. holds a unknown competitive moat and is growing revenue at +32.3%.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
56.4
Risk Grade
LOW_RISK
Layers
7
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.6%
worst expected daily loss, 19 in 20 days
CVaR 95%
-4.2%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
1.04
above 1.0 is good
Max Drawdown
-26.1%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
80
Liquidity Grade
HIGHLY LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
NEAR_UPPER
Beta
Relative Volume
0.8x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

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Inverse Correlated
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Wednesday
Worst Day
Friday
Best Month
Nov
Worst Month
Sep
Fri-Mon Effect
-0.20812082942591253
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+0.1%
3M Return
+5.8%
6M Return
+29.4%
12M Return
+30.7%
Momentum Rank
#1421
Momentum Signal
UP

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