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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.25
FFBC's Cash-to-Debt is ranked lower than
84% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. FFBC: 0.25 )
Ranked among companies with meaningful Cash-to-Debt only.
FFBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.46 Max: 6.86
Current: 0.25
0.15
6.86
Equity-to-Asset 0.10
FFBC's Equity-to-Asset is ranked higher than
52% of the 1496 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: 0.1 Max: 0.11
Current: 0.1
0.08
0.11
Interest Coverage 3.93
FFBC's Interest Coverage is ranked higher than
75% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. FFBC: 3.93 )
Ranked among companies with meaningful Interest Coverage only.
FFBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.5  Med: 3.85 Max: 6.18
Current: 3.93
0.5
6.18
Beneish M-Score: -2.49
WACC vs ROIC
8.21%
5.28%
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 % 38.20
FFBC's Operating Margin % is ranked higher than
70% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. FFBC: 38.20 )
Ranked among companies with meaningful Operating Margin % only.
FFBC' s Operating Margin % Range Over the Past 10 Years
Min: 19.87  Med: 28.55 Max: 60.96
Current: 38.2
19.87
60.96
Net Margin % 25.86
FFBC's Net Margin % is ranked higher than
63% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. FFBC: 25.86 )
Ranked among companies with meaningful Net Margin % only.
FFBC' s Net Margin % Range Over the Past 10 Years
Min: 13.67  Med: 18.76 Max: 38.12
Current: 25.86
13.67
38.12
ROE % 10.52
FFBC's ROE % is ranked higher than
68% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. FFBC: 10.52 )
Ranked among companies with meaningful ROE % only.
FFBC' s ROE % Range Over the Past 10 Years
Min: 6.94  Med: 9.44 Max: 43.63
Current: 10.52
6.94
43.63
ROA % 1.07
FFBC's ROA % is ranked higher than
66% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FFBC: 1.07 )
Ranked among companies with meaningful ROA % only.
FFBC' s ROA % Range Over the Past 10 Years
Min: 0.65  Med: 1 Max: 4.27
Current: 1.07
0.65
4.27
3-Year Revenue Growth Rate 2.00
FFBC's 3-Year Revenue Growth Rate is ranked lower than
60% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. FFBC: 2.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FFBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -20.6  Med: 1.7 Max: 35.9
Current: 2
-20.6
35.9
3-Year EBITDA Growth Rate 18.10
FFBC's 3-Year EBITDA Growth Rate is ranked higher than
78% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. FFBC: 18.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FFBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -36.1  Med: -0.4 Max: 98.7
Current: 18.1
-36.1
98.7
3-Year EPS without NRI Growth Rate 19.90
FFBC's 3-Year EPS without NRI Growth Rate is ranked higher than
78% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FFBC: 19.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FFBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -38  Med: -0.4 Max: 106.9
Current: 19.9
-38
106.9
GuruFocus has detected 4 Warning Signs with First Financial Bancorp $FFBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FFBC's 10-Y Financials

Financials (Next Earnings Date: 2017-04-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

FFBC Guru Trades in Q1 2016

David Dreman 127 sh (New)
Jim Simons 305,700 sh (+16.99%)
Paul Tudor Jones Sold Out
» More
Q2 2016

FFBC Guru Trades in Q2 2016

Jim Simons 317,300 sh (+3.79%)
David Dreman 127 sh (unchged)
» More
Q3 2016

FFBC Guru Trades in Q3 2016

Jim Simons 330,000 sh (+4.00%)
David Dreman 127 sh (unchged)
» More
Q4 2016

FFBC Guru Trades in Q4 2016

Jim Simons 347,800 sh (+5.39%)
David Dreman 127 sh (unchged)
» 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%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:ABCB, NAS:INDB, NAS:NBTB, NAS:SFNC, AMEX:PRK, NAS:WSBC, NAS:RNST, NAS:FRME, NAS:BNCN, NAS:FIBK, NYSE:YDKN, NAS:BANR, NAS:UBSH, NAS:WABC, NAS:LTXB, NAS:SFBS, NAS:UCBI, NAS:WSFS, NAS:BANF, NYSE:FCB » details
Traded in other countries:FI5.Germany,
First Financial Bancorp through its subsidiaries engaged in the commercial banking and other banking and banking-related activities. The Company's services include commercial lending, real estate lending and consumer financing.

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 include 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 banking organizations in the United States.

Ratios

vs
industry
vs
history
PE Ratio 18.86
FFBC's PE Ratio is ranked lower than
72% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. FFBC: 18.86 )
Ranked among companies with meaningful PE Ratio only.
FFBC' s PE Ratio Range Over the Past 10 Years
Min: 1.98  Med: 15.43 Max: 31.37
Current: 18.86
1.98
31.37
Forward PE Ratio 16.92
FFBC's Forward PE Ratio is ranked lower than
78% of the 526 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. FFBC: 16.92 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 18.86
FFBC's PE Ratio without NRI is ranked lower than
69% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FFBC: 18.86 )
Ranked among companies with meaningful PE Ratio without NRI only.
FFBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.98  Med: 15.43 Max: 36.35
Current: 18.86
1.98
36.35
Price-to-Owner-Earnings 17.08
FFBC's Price-to-Owner-Earnings is ranked lower than
62% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. FFBC: 17.08 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FFBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.25  Med: 13.04 Max: 109.36
Current: 17.08
1.25
109.36
PB Ratio 1.94
FFBC's PB Ratio is ranked lower than
84% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FFBC: 1.94 )
Ranked among companies with meaningful PB Ratio only.
FFBC' s PB Ratio Range Over the Past 10 Years
Min: 0.7  Med: 1.4 Max: 2.33
Current: 1.94
0.7
2.33
PS Ratio 4.86
FFBC's PS Ratio is ranked lower than
77% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. FFBC: 4.86 )
Ranked among companies with meaningful PS Ratio only.
FFBC' s PS Ratio Range Over the Past 10 Years
Min: 0.73  Med: 2.73 Max: 5.32
Current: 4.86
0.73
5.32
Price-to-Free-Cash-Flow 12.99
FFBC's Price-to-Free-Cash-Flow is ranked lower than
54% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. FFBC: 12.99 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FFBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.4  Med: 11.62 Max: 413.17
Current: 12.99
4.4
413.17
Price-to-Operating-Cash-Flow 12.09
FFBC's Price-to-Operating-Cash-Flow is ranked lower than
57% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. FFBC: 12.09 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FFBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.87  Med: 10.21 Max: 70.89
Current: 12.09
3.87
70.89
EV-to-EBIT 17.38
FFBC's EV-to-EBIT is ranked lower than
71% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. FFBC: 17.38 )
Ranked among companies with meaningful EV-to-EBIT only.
FFBC' s EV-to-EBIT Range Over the Past 10 Years
Min: 1  Med: 14.8 Max: 31
Current: 17.38
1
31
EV-to-EBITDA 15.82
FFBC's EV-to-EBITDA is ranked lower than
70% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. FFBC: 15.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
FFBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1  Med: 12.45 Max: 26.9
Current: 15.82
1
26.9
PEG Ratio 6.64
FFBC's PEG Ratio is ranked lower than
91% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. FFBC: 6.64 )
Ranked among companies with meaningful PEG Ratio only.
FFBC' s PEG Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.82 Max: 28.25
Current: 6.64
0.09
28.25
Shiller PE Ratio 18.59
FFBC's Shiller PE Ratio is ranked higher than
60% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. FFBC: 18.59 )
Ranked among companies with meaningful Shiller PE Ratio only.
FFBC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.66  Med: 12.42 Max: 20.24
Current: 18.59
5.66
20.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.40
FFBC's Dividend Yield % is ranked lower than
55% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. FFBC: 2.40 )
Ranked among companies with meaningful Dividend Yield % only.
FFBC' s Dividend Yield % Range Over the Past 10 Years
Min: 1.88  Med: 3.8 Max: 10.78
Current: 2.4
1.88
10.78
Dividend Payout Ratio 0.45
FFBC's Dividend Payout Ratio is ranked lower than
52% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FFBC: 0.45 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FFBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.54 Max: 1.12
Current: 0.45
0.08
1.12
3-Year Dividend Growth Rate 2.20
FFBC's 3-Year Dividend Growth Rate is ranked lower than
71% of the 772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FFBC: 2.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FFBC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -14.9  Med: 2.2 Max: 14.5
Current: 2.2
-14.9
14.5
Forward Dividend Yield % 2.56
FFBC's Forward Dividend Yield % is ranked lower than
56% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. FFBC: 2.56 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.19
FFBC's 5-Year Yield-on-Cost % is ranked lower than
66% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. FFBC: 2.19 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FFBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.72  Med: 3.47 Max: 9.84
Current: 2.19
1.72
9.84
3-Year Average Share Buyback Ratio -2.50
FFBC's 3-Year Average Share Buyback Ratio is ranked lower than
55% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. FFBC: -2.50 )
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: -15.8  Med: -1.8 Max: 5.1
Current: -2.5
-15.8
5.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.55
FFBC's Price-to-Tangible-Book is ranked lower than
89% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. FFBC: 2.55 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FFBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.4  Med: 2.14 Max: 3.32
Current: 2.55
1.4
3.32
Price-to-Intrinsic-Value-Projected-FCF 0.86
FFBC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
54% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FFBC: 0.86 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FFBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.81 Max: 1.33
Current: 0.86
0.44
1.33
Price-to-Median-PS-Value 1.79
FFBC's Price-to-Median-PS-Value is ranked lower than
89% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FFBC: 1.79 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FFBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.44  Med: 1.28 Max: 3.61
Current: 1.79
0.44
3.61
Price-to-Graham-Number 1.46
FFBC's Price-to-Graham-Number is ranked lower than
84% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. FFBC: 1.46 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FFBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.45  Med: 1.3 Max: 1.89
Current: 1.46
0.45
1.89
Earnings Yield (Greenblatt) % 5.74
FFBC's Earnings Yield (Greenblatt) % is ranked lower than
53% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. FFBC: 5.74 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FFBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.2  Med: 6.75 Max: 98.4
Current: 5.74
3.2
98.4
Forward Rate of Return (Yacktman) % 9.55
FFBC's Forward Rate of Return (Yacktman) % is ranked lower than
57% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. FFBC: 9.55 )
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: -10.6  Med: 8.9 Max: 41.9
Current: 9.55
-10.6
41.9

More Statistics

Revenue (TTM) (Mil) $342.3
EPS (TTM) $ 1.43
Beta1.18
Short Percentage of Float1.60%
52-Week Range $16.93 - 29.80
Shares Outstanding (Mil)62.00

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 366 387
EPS ($) 1.54 1.72
EPS without NRI ($) 1.54 1.72
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($) 0.68 0.68
» 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 (Ohio) breached its 50 day moving average in a Bearish Manner : FFBC-US :... Mar 22 2017
FIRST FINANCIAL BANCORP /OH/ Files SEC form 8-K, Change in Directors or Principal Officers Mar 09 2017
FIRST FINANCIAL BANCORP /OH/ Files SEC form 8-K, Entry into a Material Definitive Agreement, Other... Mar 03 2017
First Financial Launches At-The-Market Equity Offering Program Mar 03 2017
First Financial Bancorp (Ohio) breached its 50 day moving average in a Bearish Manner : FFBC-US :... Mar 03 2017
FIRST FINANCIAL BANCORP /OH/ Financials Mar 02 2017
FIRST FINANCIAL BANCORP /OH/ Files SEC form 10-K, Annual Report Feb 24 2017
First Financial Bancorp (Ohio) breached its 50 day moving average in a Bullish Manner : FFBC-US :... Feb 14 2017
FIRST FINANCIAL BANCORP /OH/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 06 2017
First Financial Bancorp (Ohio) breached its 50 day moving average in a Bearish Manner : FFBC-US :... Jan 31 2017
First Financial Bancorp (Ohio) : FFBC-US: Dividend Analysis : December 02nd, 2016 (record date) : By... Jan 27 2017
ETFs with exposure to First Financial Bancorp (Ohio) : January 24, 2017 Jan 24 2017
First Financial Bancorp (Ohio) :FFBC-US: Earnings Analysis: Q4, 2016 By the Numbers : January 23,... Jan 23 2017
Edited Transcript of FFBC earnings conference call or presentation 20-Jan-17 1:30pm GMT Jan 20 2017
First Financial posts 4Q profit Jan 19 2017
First Financial posts 4Q profit Jan 19 2017
First Financial Bancorp. Reports Fourth Quarter and Full Year 2016 Financial Results and Announces... Jan 19 2017
Q4 2016 First Financial Bancorp Earnings Release - After Market Close Jan 19 2017
First Financial Bancorp (Ohio) breached its 50 day moving average in a Bearish Manner : FFBC-US :... Jan 18 2017
First Financial Bancorp. to Announce Fourth Quarter and Full Year 2016 Financial Results on... Jan 06 2017

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