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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.25
FFBC's Cash to Debt is ranked lower than
85% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 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
51% of the 1614 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 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 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
F-Score: 4
M-Score: -2.37
WACC vs ROIC
8.36%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 38.20
FFBC's Operating margin (%) is ranked higher than
67% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 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
60% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 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
65% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 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
63% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 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
Revenue Growth (3Y)(%) 2.00
FFBC's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. FFBC: 2.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FFBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.6  Med: 1.7 Max: 35.9
Current: 2
-20.6
35.9
EBITDA Growth (3Y)(%) 14.40
FFBC's EBITDA Growth (3Y)(%) is ranked higher than
73% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. FFBC: 14.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FFBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -36.1  Med: -0.4 Max: 98.7
Current: 14.4
-36.1
98.7
EPS Growth (3Y)(%) 19.90
FFBC's EPS Growth (3Y)(%) is ranked higher than
77% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. FFBC: 19.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FFBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -38  Med: -0.4 Max: 106.9
Current: 19.9
-38
106.9
GuruFocus has detected 5 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


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. 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:NBTB, NAS:INDB, NAS:WSBC, NYSE:YDKN, NAS:ABCB, NAS:RNST, NAS:FRME, AMEX:PRK, NAS:SFNC, NAS:UBSH, NAS:BNCN, NAS:FIBK, NAS:BANR, NAS:BANF, NYSE:FCB, NAS:WABC, NAS:LTXB, NAS:CBF, NAS:TOWN, NAS:WSFS » 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
P/E(ttm) 19.99
FFBC's P/E(ttm) is ranked lower than
72% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. FFBC: 19.99 )
Ranked among companies with meaningful P/E(ttm) only.
FFBC' s P/E(ttm) Range Over the Past 10 Years
Min: 1.98  Med: 15.42 Max: 31.37
Current: 19.99
1.98
31.37
Forward P/E 18.80
FFBC's Forward P/E is ranked lower than
73% of the 390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.21 vs. FFBC: 18.80 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.99
FFBC's PE(NRI) is ranked lower than
71% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. FFBC: 19.99 )
Ranked among companies with meaningful PE(NRI) only.
FFBC' s PE(NRI) Range Over the Past 10 Years
Min: 1.98  Med: 15.42 Max: 36.35
Current: 19.99
1.98
36.35
Price/Owner Earnings (ttm) 25.00
FFBC's Price/Owner Earnings (ttm) is ranked lower than
81% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. FFBC: 25.00 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FFBC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.25  Med: 12.9 Max: 109.36
Current: 25
1.25
109.36
P/B 2.03
FFBC's P/B is ranked lower than
84% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FFBC: 2.03 )
Ranked among companies with meaningful P/B only.
FFBC' s P/B Range Over the Past 10 Years
Min: 0.7  Med: 1.4 Max: 2.33
Current: 2.03
0.7
2.33
P/S 5.20
FFBC's P/S is ranked lower than
77% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. FFBC: 5.20 )
Ranked among companies with meaningful P/S only.
FFBC' s P/S Range Over the Past 10 Years
Min: 0.73  Med: 2.72 Max: 5.32
Current: 5.2
0.73
5.32
PFCF 25.24
FFBC's PFCF is ranked lower than
76% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. FFBC: 25.24 )
Ranked among companies with meaningful PFCF only.
FFBC' s PFCF Range Over the Past 10 Years
Min: 4.4  Med: 11.61 Max: 413.17
Current: 25.24
4.4
413.17
POCF 23.11
FFBC's POCF is ranked lower than
78% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. FFBC: 23.11 )
Ranked among companies with meaningful POCF only.
FFBC' s POCF Range Over the Past 10 Years
Min: 3.87  Med: 10.17 Max: 70.89
Current: 23.11
3.87
70.89
EV-to-EBIT 18.16
FFBC's EV-to-EBIT is ranked lower than
68% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. FFBC: 18.16 )
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: 18.16
1
31
EV-to-EBITDA 16.91
FFBC's EV-to-EBITDA is ranked lower than
68% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. FFBC: 16.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
FFBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1  Med: 12.4 Max: 26.9
Current: 16.91
1
26.9
PEG 14.21
FFBC's PEG is ranked lower than
95% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. FFBC: 14.21 )
Ranked among companies with meaningful PEG only.
FFBC' s PEG Range Over the Past 10 Years
Min: 0.09  Med: 0.79 Max: 28.25
Current: 14.21
0.09
28.25
Shiller P/E 19.71
FFBC's Shiller P/E is ranked higher than
58% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. FFBC: 19.71 )
Ranked among companies with meaningful Shiller P/E only.
FFBC' s Shiller P/E Range Over the Past 10 Years
Min: 5.66  Med: 12.41 Max: 20.24
Current: 19.71
5.66
20.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.24
FFBC's Dividend Yield is ranked lower than
59% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. FFBC: 2.24 )
Ranked among companies with meaningful Dividend Yield only.
FFBC' s Dividend Yield Range Over the Past 10 Years
Min: 1.88  Med: 3.81 Max: 10.78
Current: 2.24
1.88
10.78
Dividend Payout 0.47
FFBC's Dividend Payout is ranked lower than
53% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FFBC: 0.47 )
Ranked among companies with meaningful Dividend Payout only.
FFBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.54 Max: 1.12
Current: 0.47
0.08
1.12
Dividend Growth (3y) 2.20
FFBC's Dividend Growth (3y) is ranked lower than
72% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. FFBC: 2.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FFBC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -14.9  Med: 2.2 Max: 14.5
Current: 2.2
-14.9
14.5
Forward Dividend Yield 2.37
FFBC's Forward Dividend Yield is ranked lower than
59% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. FFBC: 2.37 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.05
FFBC's Yield on cost (5-Year) is ranked lower than
71% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. FFBC: 2.05 )
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: 1.72  Med: 3.48 Max: 9.84
Current: 2.05
1.72
9.84
3-Year Average Share Buyback Ratio -2.50
FFBC's 3-Year Average Share Buyback Ratio is ranked lower than
52% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 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/Tangible Book 2.71
FFBC's Price/Tangible Book is ranked lower than
88% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. FFBC: 2.71 )
Ranked among companies with meaningful Price/Tangible Book only.
FFBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.4  Med: 2.14 Max: 3.32
Current: 2.71
1.4
3.32
Price/Projected FCF 0.96
FFBC's Price/Projected FCF is ranked lower than
61% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FFBC: 0.96 )
Ranked among companies with meaningful Price/Projected FCF only.
FFBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.81 Max: 1.33
Current: 0.96
0.44
1.33
Price/Median PS Value 1.91
FFBC's Price/Median PS Value is ranked lower than
90% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FFBC: 1.91 )
Ranked among companies with meaningful Price/Median PS Value only.
FFBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.44  Med: 1.28 Max: 3.62
Current: 1.91
0.44
3.62
Price/Graham Number 1.55
FFBC's Price/Graham Number is ranked lower than
85% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FFBC: 1.55 )
Ranked among companies with meaningful Price/Graham Number only.
FFBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.45  Med: 1.3 Max: 1.89
Current: 1.55
0.45
1.89
Earnings Yield (Greenblatt) (%) 5.46
FFBC's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. FFBC: 5.46 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FFBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.2  Med: 6.8 Max: 98.4
Current: 5.46
3.2
98.4
Forward Rate of Return (Yacktman) (%) 8.32
FFBC's Forward Rate of Return (Yacktman) (%) is ranked lower than
58% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. FFBC: 8.32 )
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: 8.5 Max: 41.9
Current: 8.32
-10.6
41.9

More Statistics

Revenue (TTM) (Mil) $342.3
EPS (TTM) $ 1.43
Beta1.18
Short Percentage of Float1.26%
52-Week Range $16.14 - 29.80
Shares Outstanding (Mil)61.98

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.53 1.72
EPS w/o NRI ($) 1.53 1.72
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 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 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
First Financial Bancorp. to Announce Fourth Quarter and Full Year 2016 Financial Results on... Jan 06 2017
First Financial changes charter Jan 04 2017
FIRST FINANCIAL BANCORP /OH/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 03 2017
First Financial converts to an Ohio state chartered bank Jan 03 2017
First Financial converts to an Ohio state chartered bank Jan 03 2017
These were the top 10 Cincinnati stocks of 2016 Dec 22 2016
ETFs with exposure to First Financial Bancorp (Ohio) : December 13, 2016 Dec 13 2016

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