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First Financial BancorpFFBC +0.26%63 EV-to-OCF is 4.78 as of Aug. 12, 2026, which is 65% below its 10-year median of 13.54. GuruFocus rates FFBC with a GF Score™ of 63/100 and a GF Value™ of $28.23 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,497 Banks companies, First Financial Bancorp ranks worse than 52.84% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, First Financial Bancorp's Enterprise Value is $3,783.9 Mil.
First Financial Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $792.3 Mil. Therefore, First Financial Bancorp's EV-to-OCF for today is 4.78.
The historical rank and industry rank for First Financial Bancorp's EV-to-OCF or its related term are showing as below:
FFBC'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.29 Med: 13.54 Max: 122.75
Current: 4.78
During the past 13 years, the highest EV-to-OCF of First Financial Bancorp was 122.75. The lowest was 3.29. And the median was 13.54.
FFBC's EV-to-OCF is ranked worse than 52.84% of 1497
companies
in the Banks industry
Industry Median: 3.99
vs FFBC: 4.78
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Financial Bancorp (NAS:FFBC) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Financial Bancorp's PE Ratio (TTM) for today is calculated as:
First Financial Bancorp's share price for today is $34.09.
First Financial Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.830.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Financial Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where First Financial Bancorp's EV-to-OCF falls into.
First Financial Bancorp's current Enterprise Value is $3,783.9 Mil.
First Financial Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $792.3 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Financial Bancorp (FFBC) has a EV-to-OCF of 4.78 as of Aug. 12, 2026. This is 65% below median its historical median of 13.54. Over the past decade, First Financial Bancorp's EV-to-OCF has ranged from 3.29 to 122.75. According to the industry distribution chart, First Financial Bancorp ranks #791 out of 1497 companies in the Banks industry, placing it in the top 52.8%.
Is First Financial Bancorp's EV-to-OCF too high?
First Financial Bancorp's current EV-to-OCF of 4.78 is 65% below median its 10-year median of 13.54. Over the past 10 years, this metric has ranged from a low of 3.29 to a high of 122.75. The Banks industry median EV-to-OCF is 3.99. First Financial Bancorp's value of 4.78 is 19.8% above this industry median. Based on the distribution chart, First Financial Bancorp ranks #791 out of 1497 companies in the Banks industry, which is below the industry midpoint. Overall, First Financial Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bancorp's EV-to-OCF compare to CBU and NIC?
According to the Banks industry distribution chart, First Financial Bancorp ranks #791 out of 1497 companies for EV-to-OCF. This places First Financial Bancorp in the lower half of its industry. The industry median EV-to-OCF is 3.99. First Financial Bancorp's value of 4.78 is 19.8% above this benchmark. Historically, First Financial Bancorp's own EV-to-OCF has ranged from 3.29 to 122.75 over the past decade. While the company's 10-year median is 13.54 vs. the industry median of 3.99, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.99, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bancorp's current EV-to-OCF of 4.78 is 19.8% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bancorp's current EV-to-OCF is 4.78, which is 65% below median its own 10-year median of 13.54. 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 $28.23, compared to a current price of $34.09 — trading 20.8% above its estimated fair value. The current EV-to-OCF is 4.78, which is 65% below median its 10-year median of 13.54 and 19.8% above the Banks industry median of 3.99. First Financial Bancorp's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First Financial Bancorp (FFBC), the current EV-to-OCF is 4.78 as of Aug. 12, 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 $34.09 is trading 20.8% above its estimated GF Value™ of $28.23.
GuruFocus considers First Financial Bancorp to be Modestly Overvalued.
Key valuation signals for FFBC:
EV-to-OCF: 4.78 (65% below median its 10-year median of 13.54)
GF Value™: $28.23 vs. price of $34.09 (20.8% above fair value)
Industry Position: 19.8% above the Banks median (#791 of 1497)
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.
63GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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