Switch to:

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 : 6/10

vs
industry
vs
history
Cash to Debt 0.20
FFBC's Cash to Debt is ranked higher than
53% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FFBC: 0.20 )
FFBC' s 10-Year Cash to Debt Range
Min: 0.2   Max: 9.88
Current: 0.2

0.2
9.88
Equity to Asset 0.11
FFBC's Equity to Asset is ranked higher than
72% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FFBC: 0.11 )
FFBC' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.11
Current: 0.11

0.08
0.11
Interest Coverage 4.00
FFBC's Interest Coverage is ranked higher than
90% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FFBC: 4.00 )
FFBC' s 10-Year Interest Coverage Range
Min: 0.38   Max: 6.18
Current: 4

0.38
6.18
F-Score: 5
Z-Score: 0.25
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 : 5/10

vs
industry
vs
history
Operating margin (%) 22.38
FFBC's Operating margin (%) is ranked higher than
63% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. FFBC: 22.38 )
FFBC' s 10-Year Operating margin (%) Range
Min: 15.29   Max: 60.96
Current: 22.38

15.29
60.96
Net-margin (%) 16.01
FFBC's Net-margin (%) is ranked higher than
64% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. FFBC: 16.01 )
FFBC' s 10-Year Net-margin (%) Range
Min: 10.59   Max: 38.12
Current: 16.01

10.59
38.12
ROE (%) 7.09
FFBC's ROE (%) is ranked higher than
70% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. FFBC: 7.09 )
FFBC' s 10-Year ROE (%) Range
Min: 6.59   Max: 34.05
Current: 7.09

6.59
34.05
ROA (%) 0.75
FFBC's ROA (%) is ranked higher than
71% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FFBC: 0.75 )
FFBC' s 10-Year ROA (%) Range
Min: 0.62   Max: 3.32
Current: 0.75

0.62
3.32
ROC (Joel Greenblatt) (%) 10.43
FFBC's ROC (Joel Greenblatt) (%) is ranked higher than
52% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. FFBC: 10.43 )
FFBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.43   Max: 329.74
Current: 10.43

10.43
329.74
Revenue Growth (%) -10.60
FFBC's Revenue Growth (%) is ranked higher than
54% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FFBC: -10.60 )
FFBC' s 10-Year Revenue Growth (%) Range
Min: -20.6   Max: 35.9
Current: -10.6

-20.6
35.9
EBITDA Growth (%) -7.30
FFBC's EBITDA Growth (%) is ranked higher than
59% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FFBC: -7.30 )
FFBC' s 10-Year EBITDA Growth (%) Range
Min: -36.1   Max: 98.7
Current: -7.3

-36.1
98.7
EPS Growth (%) -5.70
FFBC's EPS Growth (%) is ranked higher than
58% of the 1103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. FFBC: -5.70 )
FFBC' s 10-Year EPS Growth (%) Range
Min: -38   Max: 106.9
Current: -5.7

-38
106.9
» FFBC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

FFBC Guru Trades in Q1 2013

Paul Tudor Jones Sold Out
» More
Q2 2013

FFBC Guru Trades in Q2 2013

Paul Tudor Jones 16,800 sh (New)
Jim Simons 35,243 sh (New)
» More
Q3 2013

FFBC Guru Trades in Q3 2013

Jim Simons 120,543 sh (+242.03%)
Paul Tudor Jones Sold Out
» More
Q4 2013

FFBC Guru Trades in Q4 2013

Paul Tudor Jones 34,181 sh (New)
Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FFBC



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.80
FFBC's P/E(ttm) is ranked lower than
53% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. FFBC: 20.80 )
FFBC' s 10-Year P/E(ttm) Range
Min: 1.98   Max: 31.31
Current: 20.8

1.98
31.31
P/B 1.40
FFBC's P/B is ranked lower than
51% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FFBC: 1.40 )
FFBC' s 10-Year P/B Range
Min: 0.7   Max: 2.76
Current: 1.4

0.7
2.76
P/S 3.34
FFBC's P/S is ranked lower than
54% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. FFBC: 3.34 )
FFBC' s 10-Year P/S Range
Min: 0.73   Max: 4.48
Current: 3.34

0.73
4.48
PFCF 6.20
FFBC's PFCF is ranked higher than
66% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FFBC: 6.20 )
FFBC' s 10-Year PFCF Range
Min: 4.38   Max: 42.18
Current: 6.2

4.38
42.18
EV-to-EBIT 25.00
FFBC's EV-to-EBIT is ranked lower than
56% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. FFBC: 25.00 )
FFBC' s 10-Year EV-to-EBIT Range
Min: 1   Max: 31
Current: 25

1
31
PEG 6.10
FFBC's PEG is ranked lower than
63% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FFBC: 6.10 )
FFBC' s 10-Year PEG Range
Min: 0.08   Max: 17.72
Current: 6.1

0.08
17.72
Shiller P/E 11.00
FFBC's Shiller P/E is ranked higher than
87% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. FFBC: 11.00 )
FFBC' s 10-Year Shiller P/E Range
Min: 5.72   Max: 18.38
Current: 11

5.72
18.38

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.45
FFBC's Dividend Yield is ranked higher than
72% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. FFBC: 3.45 )
FFBC' s 10-Year Dividend Yield Range
Min: 1.88   Max: 10.78
Current: 3.45

1.88
10.78
Dividend Payout 0.72
FFBC's Dividend Payout is ranked lower than
63% of the 1147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. FFBC: 0.72 )
FFBC' s 10-Year Dividend Payout Range
Min: 0.08   Max: 1.19
Current: 0.72

0.08
1.19
Dividend growth (3y) 14.50
FFBC's Dividend growth (3y) is ranked higher than
86% of the 809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. FFBC: 14.50 )
FFBC' s 10-Year Dividend growth (3y) Range
Min: -14.9   Max: 14.5
Current: 14.5

-14.9
14.5
Yield on cost (5-Year) 6.28
FFBC's Yield on cost (5-Year) is ranked higher than
84% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FFBC: 6.28 )
FFBC' s 10-Year Yield on cost (5-Year) Range
Min: 3.37   Max: 19.34
Current: 6.28

3.37
19.34

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
FFBC's Price/Tangible Book is ranked lower than
51% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FFBC: 1.70 )
FFBC' s 10-Year Price/Tangible Book Range
Min: 1.4   Max: 3.93
Current: 1.7

1.4
3.93
Price/DCF (Projected) 0.60
FFBC's Price/DCF (Projected) is ranked higher than
64% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FFBC: 0.60 )
FFBC' s 10-Year Price/DCF (Projected) Range
Min: 0.43   Max: 1.33
Current: 0.6

0.43
1.33
Price/Median PS Value 1.20
FFBC's Price/Median PS Value is ranked lower than
56% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FFBC: 1.20 )
FFBC' s 10-Year Price/Median PS Value Range
Min: 0.46   Max: 2.41
Current: 1.2

0.46
2.41
Price/Graham Number 1.30
FFBC's Price/Graham Number is ranked lower than
55% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FFBC: 1.30 )
FFBC' s 10-Year Price/Graham Number Range
Min: 0.44   Max: 2.06
Current: 1.3

0.44
2.06
Earnings Yield (Greenblatt) 4.00
FFBC's Earnings Yield (Greenblatt) is ranked higher than
52% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FFBC: 4.00 )
FFBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.2   Max: 98.4
Current: 4

3.2
98.4
Forward Rate of Return (Yacktman) 0.66
FFBC's Forward Rate of Return (Yacktman) is ranked higher than
51% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. FFBC: 0.66 )
FFBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.9   Max: 45.3
Current: 0.66

-2.9
45.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » 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 noninterest-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. On September 23, 2011, the Company completed the purchase of 16 Ohio banking centers from Liberty Savings Bank, FSB (Liberty) including $126.5 million of performing loans and $341.9 million of deposits at their estimated fair values. On December 2, 2011, it completed the purchase of 22 Indiana-based retail banking branches from Flagstar Bank, FSB and assumed approximately $464.7 million of deposits at their estimated fair value. The Company manages its credit risk through standardized loan policies, established and authorized credit limits, centralized portfolio management and the diversification of market area and industries. The overall strength of the borrower is evaluated through the credit underwriting process and includes a review of historical and projected cash flows, historical financial performance, financial strength of the principals and guarantors, and collateral values, where applicable. 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.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

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)
Free 7-day Trial
FEEDBACK
Hide