Switch to:
Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.12
FFBC's Cash to Debt is ranked lower than
91% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. FFBC: 0.12 )
Ranked among companies with meaningful Cash to Debt only.
FFBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.47 Max: 6.86
Current: 0.12
0.15
6.86
Equity to Asset 0.10
FFBC's Equity to Asset is ranked higher than
50% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FFBC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
FFBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.10 Max: 0.12
Current: 0.1
0.08
0.12
Interest Coverage 4.39
FFBC's Interest Coverage is ranked higher than
77% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. FFBC: 4.39 )
Ranked among companies with meaningful Interest Coverage only.
FFBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.38  Med: 1.85 Max: 6.82
Current: 4.39
0.38
6.82
F-Score: 4
M-Score: -2.79
WACC vs ROIC
6.85%
5.21%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 34.97
FFBC's Operating margin (%) is ranked higher than
59% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. FFBC: 34.97 )
Ranked among companies with meaningful Operating margin (%) only.
FFBC' s Operating margin (%) Range Over the Past 10 Years
Min: 15.29  Med: 24.58 Max: 63.27
Current: 34.97
15.29
63.27
Net-margin (%) 23.58
FFBC's Net-margin (%) is ranked higher than
54% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. FFBC: 23.58 )
Ranked among companies with meaningful Net-margin (%) only.
FFBC' s Net-margin (%) Range Over the Past 10 Years
Min: 10.59  Med: 17.17 Max: 39.94
Current: 23.58
10.59
39.94
ROE (%) 9.54
FFBC's ROE (%) is ranked higher than
58% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. FFBC: 9.54 )
Ranked among companies with meaningful ROE (%) only.
FFBC' s ROE (%) Range Over the Past 10 Years
Min: 6.94  Med: 9.17 Max: 47.48
Current: 9.54
6.94
47.48
ROA (%) 0.99
FFBC's ROA (%) is ranked higher than
57% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. FFBC: 0.99 )
Ranked among companies with meaningful ROA (%) only.
FFBC' s ROA (%) Range Over the Past 10 Years
Min: 0.61  Med: 0.98 Max: 4.75
Current: 0.99
0.61
4.75
Revenue Growth (3Y)(%) -10.70
FFBC's Revenue Growth (3Y)(%) is ranked lower than
89% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. FFBC: -10.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FFBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -22.2  Med: 2.30 Max: 38.7
Current: -10.7
-22.2
38.7
EBITDA Growth (3Y)(%) -3.10
FFBC's EBITDA Growth (3Y)(%) is ranked lower than
76% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FFBC: -3.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FFBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.1  Med: 0.45 Max: 105.3
Current: -3.1
-38.1
105.3
EPS Growth (3Y)(%) -1.30
FFBC's EPS Growth (3Y)(%) is ranked lower than
74% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FFBC: -1.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FFBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -37.9  Med: -0.85 Max: 106.9
Current: -1.3
-37.9
106.9
» FFBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

FFBC Guru Trades in Q1 2015

Jim Simons 42,900 sh (+63.12%)
Paul Tudor Jones Sold Out
» More
Q2 2015

FFBC Guru Trades in Q2 2015

Jim Simons 58,100 sh (+35.43%)
» More
Q3 2015

FFBC Guru Trades in Q3 2015

Paul Tudor Jones 28,333 sh (New)
Jim Simons 99,300 sh (+70.91%)
» More
Q4 2015

FFBC Guru Trades in Q4 2015

Jim Simons 261,294 sh (+163.14%)
Paul Tudor Jones 47,513 sh (+67.69%)
» More
» Details

Insider Trades

Latest Guru Trades with FFBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.24
FFBC's P/E(ttm) is ranked lower than
65% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. FFBC: 15.24 )
Ranked among companies with meaningful P/E(ttm) only.
FFBC' s P/E(ttm) Range Over the Past 10 Years
Min: 1.98  Med: 15.53 Max: 31.31
Current: 15.24
1.98
31.31
Forward P/E 12.71
FFBC's Forward P/E is ranked lower than
67% of the 368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. FFBC: 12.71 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.24
FFBC's PE(NRI) is ranked lower than
65% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. FFBC: 15.24 )
Ranked among companies with meaningful PE(NRI) only.
FFBC' s PE(NRI) Range Over the Past 10 Years
Min: 1.98  Med: 15.55 Max: 36.35
Current: 15.24
1.98
36.35
Price/Owner Earnings (ttm) 14.39
FFBC's Price/Owner Earnings (ttm) is ranked lower than
67% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. FFBC: 14.39 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FFBC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.21  Med: 11.73 Max: 93.13
Current: 14.39
1.21
93.13
P/B 1.45
FFBC's P/B is ranked lower than
76% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FFBC: 1.45 )
Ranked among companies with meaningful P/B only.
FFBC' s P/B Range Over the Past 10 Years
Min: 0.7  Med: 1.40 Max: 2.55
Current: 1.45
0.7
2.55
P/S 3.64
FFBC's P/S is ranked lower than
66% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. FFBC: 3.64 )
Ranked among companies with meaningful P/S only.
FFBC' s P/S Range Over the Past 10 Years
Min: 0.68  Med: 2.72 Max: 4.5
Current: 3.64
0.68
4.5
PFCF 14.01
FFBC's PFCF is ranked lower than
67% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. FFBC: 14.01 )
Ranked among companies with meaningful PFCF only.
FFBC' s PFCF Range Over the Past 10 Years
Min: 4.22  Med: 11.47 Max: 413.17
Current: 14.01
4.22
413.17
POCF 12.86
FFBC's POCF is ranked lower than
72% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. FFBC: 12.86 )
Ranked among companies with meaningful POCF only.
FFBC' s POCF Range Over the Past 10 Years
Min: 3.87  Med: 10.11 Max: 38.94
Current: 12.86
3.87
38.94
EV-to-EBIT 17.96
FFBC's EV-to-EBIT is ranked lower than
67% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. FFBC: 17.96 )
Ranked among companies with meaningful EV-to-EBIT only.
FFBC' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.9  Med: 14.80 Max: 31
Current: 17.96
0.9
31
EV-to-EBITDA 16.07
FFBC's EV-to-EBITDA is ranked lower than
67% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. FFBC: 16.07 )
Ranked among companies with meaningful EV-to-EBITDA only.
FFBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.9  Med: 12.40 Max: 25.5
Current: 16.07
0.9
25.5
Shiller P/E 13.90
FFBC's Shiller P/E is ranked higher than
67% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. FFBC: 13.90 )
Ranked among companies with meaningful Shiller P/E only.
FFBC' s Shiller P/E Range Over the Past 10 Years
Min: 5.66  Med: 12.26 Max: 16.03
Current: 13.9
5.66
16.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.37
FFBC's Dividend Yield is ranked higher than
64% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. FFBC: 3.37 )
Ranked among companies with meaningful Dividend Yield only.
FFBC' s Dividend Yield Range Over the Past 10 Years
Min: 1.88  Med: 3.82 Max: 10.78
Current: 3.37
1.88
10.78
Dividend Payout 0.53
FFBC's Dividend Payout is ranked lower than
60% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. FFBC: 0.53 )
Ranked among companies with meaningful Dividend Payout only.
FFBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.03  Med: 0.56 Max: 10
Current: 0.53
0.03
10
Dividend Growth (3y) -7.90
FFBC's Dividend Growth (3y) is ranked lower than
82% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. FFBC: -7.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FFBC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -14.9  Med: 2.45 Max: 14.5
Current: -7.9
-14.9
14.5
Forward Dividend Yield 3.34
FFBC's Forward Dividend Yield is ranked higher than
58% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. FFBC: 3.34 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.12
FFBC's Yield on cost (5-Year) is ranked higher than
74% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. FFBC: 5.12 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FFBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.89  Med: 5.88 Max: 16.59
Current: 5.12
2.89
16.59
3-Year Average Share Buyback Ratio -0.40
FFBC's 3-Year Average Share Buyback Ratio is ranked higher than
68% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FFBC: -0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FFBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -16.1  Med: 0.70 Max: 4.6
Current: -0.4
-16.1
4.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.92
FFBC's Price/Tangible Book is ranked lower than
83% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. FFBC: 1.92 )
Ranked among companies with meaningful Price/Tangible Book only.
FFBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.14  Med: 2.09 Max: 3.32
Current: 1.92
1.14
3.32
Price/Projected FCF 0.61
FFBC's Price/Projected FCF is ranked higher than
55% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. FFBC: 0.61 )
Ranked among companies with meaningful Price/Projected FCF only.
FFBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.45  Med: 0.83 Max: 1.38
Current: 0.61
0.45
1.38
Price/Median PS Value 1.36
FFBC's Price/Median PS Value is ranked lower than
85% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. FFBC: 1.36 )
Ranked among companies with meaningful Price/Median PS Value only.
FFBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.38  Med: 1.28 Max: 3.62
Current: 1.36
0.38
3.62
Price/Graham Number 1.15
FFBC's Price/Graham Number is ranked lower than
80% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. FFBC: 1.15 )
Ranked among companies with meaningful Price/Graham Number only.
FFBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.39  Med: 1.22 Max: 1.9
Current: 1.15
0.39
1.9
Earnings Yield (Greenblatt) (%) 5.60
FFBC's Earnings Yield (Greenblatt) (%) is ranked lower than
61% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FFBC: 5.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FFBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.2  Med: 6.80 Max: 107.7
Current: 5.6
3.2
107.7
Forward Rate of Return (Yacktman) (%) 9.39
FFBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
59% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. FFBC: 9.39 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FFBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -11.9  Med: 6.60 Max: 44.5
Current: 9.39
-11.9
44.5

More Statistics

Revenue(Mil) $328
EPS $ 1.25
Beta1.02
Short Percentage of Float2.94%
52-Week Range $13.76 - 21.00
Shares Outstanding(Mil)61.64

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 1.39 1.51
EPS without NRI($) 1.39 1.51

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:SSB, NAS:TRMK, NAS:ONB, NAS:NPBC, NAS:CHFC, NAS:BANR » details
Traded in other countries:FI5.Germany,
First Financial Bancorp., an Ohio corporation was formed in 1982. It is a mid-sized, regional bank holding company headquartered in Cincinnati, Ohio. The Company provides commercial banking and other banking related services through its wholly owned subsidiary, First Financial Bank, National Association. The Company provides a range of banking services including commercial lending, real estate lending, and consumer financing. It offers deposit products that include interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for commercial customers. It also provides a full range of trust and asset management services through its wealth management division. The Company provides three types of loans namely commercial, real estate, and consumer. Real estate loans are loans secured by a mortgage lien on the real property of the borrower, which might either be residential property or commercial property. Commercial loans are made to all types of businesses for a variety of purposes such as inventory, receivables, and equipment. Commercial lending activities include equipment and leasehold improvement financing for franchisees, principally quick service and casual dining restaurants. Consumer loans are primarily loans made to individuals. These types of loans include new and used vehicle loans, second mortgages on residential real estate, and unsecured loans. The Company works with businesses to meet their working capital needs while also providing long-term financing for their plans. The Company is subject to the provisions of the Bank Holding Company Act of 1956, as amended (the BHCA) and is subject to supervision and examination by the Federal Reserve Board. Its competitors include local and regional financial institutions, savings and loans, and bank holding companies, as well as some of the largest banking organizations in the United States.
» More Articles for FFBC

Headlines

Articles On GuruFocus.com
First Financial to Pay 100% of Earnings to Shareholders Jul 29 2011 
First Financial Bancorp. Reports Operating Results (10-K) Feb 28 2011 

More From Other Websites
First Financial Bancorp Declares Quarterly Cash Dividend Apr 27 2016
First Financial Bancorp Declares Quarterly Cash Dividend Apr 27 2016
First Financial Bancorp (Ohio) :FFBC-US: Earnings Analysis: Q4, 2015 By the Numbers Apr 26 2016
First Financial downgraded by Keefe Bruyette Apr 25 2016
Edited Transcript of FFBC earnings conference call or presentation 22-Apr-16 12:30pm GMT Apr 22 2016
First Financial misses Street 1Q forecasts Apr 21 2016
First Financial misses Street 1Q forecasts Apr 21 2016
First Financial Bancorp Reports First Quarter 2016 Financial Results Apr 21 2016
FIRST FINANCIAL BANCORP /OH/ Files SEC form 8-K, Results of Operations and Financial Condition Apr 21 2016
First Financial Bancorp Reports First Quarter 2016 Financial Results Apr 21 2016
Q1 2016 First Financial Bancorp Earnings Release - After Market Close Apr 21 2016
First Financial Bancorp to Announce First Quarter 2016 Financial Results on Thursday, April 21, 2016 Apr 13 2016
First Financial Bancorp to Announce First Quarter 2016 Financial Results on Thursday, April 21, 2016 Apr 13 2016
FIRST FINANCIAL BANCORP /OH/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Mar 29 2016
FIRST FINANCIAL BANCORP /OH/ Files SEC form 8-K, Change in Directors or Principal Officers Mar 11 2016
FIRST FINANCIAL BANCORP /OH/ Financials Feb 27 2016
FIRST FINANCIAL BANCORP /OH/ Files SEC form 10-K, Annual Report Feb 23 2016
First Financial Bancorp (Ohio) breached its 50 day moving average in a Bullish Manner : February 23,... Feb 23 2016
FIRST FINANCIAL BANCORP /OH/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 09 2016
First Financial Bancorp Declares Quarterly Cash Dividend Jan 26 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK