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First Financial BancorpFFBC -0.22%65 3-Year Book Growth Rate is 9.30% as of Jun. 2026, which is 92% above its 10-year median of 4.85. GuruFocus rates FFBC with a GF Score™ of 65/100 and a GF Value™ of $28.37 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,487 Banks companies, First Financial Bancorp ranks better than 53.87% on this metric.
During the past 12 months, First Financial Bancorp's average Book Value per Share Growth Rate was 5.40% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 9.30% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 3.60% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 7.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of First Financial Bancorp was 19.20% per year. The lowest was -4.50% per year. And the median was 4.85% per year.
First Financial Bancorp (NAS:FFBC) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
First Financial Bancorp 3-Year Book Growth Rate Related Terms
FFBC vs TOWN, MCHB, FIBK: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, First Financial Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Financial Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where First Financial Bancorp's 3-Year Book Growth Rate falls into.
First Financial Bancorp 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 9.30% mean?
First Financial Bancorp (FFBC) has a 3-Year Book Growth Rate of 9.30% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First Financial Bancorp and its competitors. This is 92% above median its historical median of 4.85. According to the industry distribution chart, First Financial Bancorp ranks #686 out of 1487 companies in the Banks industry, placing it in the top 46.1%.
Is First Financial Bancorp's 3-Year Book Growth Rate too high?
First Financial Bancorp's current 3-Year Book Growth Rate of 9.30% is 92% above median its 10-year median of 4.85. The Banks industry median 3-Year Book Growth Rate is 8.80. First Financial Bancorp's value of 9.30% is 5.7% above this industry median. Based on the distribution chart, First Financial Bancorp ranks #686 out of 1487 companies in the Banks industry, which is above the industry midpoint. Overall, First Financial Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bancorp's 3-Year Book Growth Rate compare to TOWN and MCHB?
According to the Banks industry distribution chart, First Financial Bancorp ranks #686 out of 1487 companies for 3-Year Book Growth Rate. This puts First Financial Bancorp in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.80. First Financial Bancorp's value of 9.30% is 5.7% above this benchmark. While the company's 10-year median is 4.85 vs. the industry median of 8.80, First Financial Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bancorp's current 3-Year Book Growth Rate of 9.30% is 5.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First Financial Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bancorp's current 3-Year Book Growth Rate is 9.30%, which is 92% above median its own 10-year median of 4.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Financial Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Financial Bancorp (FFBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.37, compared to a current price of $32.14 — trading 13.3% above its estimated fair value. The current 3-Year Book Growth Rate is 9.30%, which is 92% above median its 10-year median of 4.85 and 5.7% above the Banks industry median of 8.80. First Financial Bancorp's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For First Financial Bancorp (FFBC), the current 3-Year Book Growth Rate is 9.30% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Financial Bancorp (FFBC) Overvalued in 2026?
Based on GuruFocus' analysis, First Financial Bancorp stock appears to be overvalued.
The current stock price of $32.14 is trading 13.3% above its estimated GF Value™ of $28.37.
GuruFocus considers First Financial Bancorp to be Modestly Overvalued.
Key valuation signals for FFBC:
3-Year Book Growth Rate: 9.30% (92% above median its 10-year median of 4.85)
GF Value™: $28.37 vs. price of $32.14 (13.3% above fair value)
Industry Position: 5.7% above the Banks median (#686 of 1487)
No single metric tells the full story. See the FFBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Financial Bancorp is a mid-sized, regional bank holding company. It engages in the business of commercial banking and other banking and banking-related activities through its subsidiary. The range of banking services provided to individuals and businesses includes commercial lending, real estate lending, and consumer financing. Real estate loans are loans secured by a mortgage lien on the real property of the borrower, which may either be residential property or commercial property. In addition, it offers deposit products that include interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for commercial customers. A full range of trust and wealth management services is also provided through First Financial's Wealth Management line of business.
65GF Score
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