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First Financial BancorpFFBC +0.12%63 Equity-to-Asset is 0.13 as of Mar. 2026, which is at its 10-year median of 0.13. GuruFocus rates FFBC with a GF Score™ of 63/100 and a GF Value™ of $27.49 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,525 Banks companies, First Financial Bancorp ranks better than 78.56% on this metric.
First Financial Bancorp (NAS:FFBC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
First Financial Bancorp Equity-to-Asset Related Terms
First Financial Bancorp Equity-to-Asset Historical Data
* 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.
FFBC vs CBU, NIC, MCHB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, First Financial Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where First Financial Bancorp's Equity-to-Asset falls into.
First Financial Bancorp Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
First Financial Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.13 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Financial Bancorp and its competitors. This is near median its historical median of 0.13. Over the past decade, First Financial Bancorp's Equity-to-Asset has ranged from 0.10 to 0.16. According to the industry distribution chart, First Financial Bancorp ranks #327 out of 1525 companies in the Banks industry, placing it in the top 21.4%.
Is First Financial Bancorp's Equity-to-Asset too high?
First Financial Bancorp's current Equity-to-Asset of 0.13 is near median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.16. The Banks industry median Equity-to-Asset is 0.10. First Financial Bancorp's value of 0.13 is 30% above this industry median. Based on the distribution chart, First Financial Bancorp ranks #327 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Equity-to-Asset compare to CBU and NIC?
According to the Banks industry distribution chart, First Financial Bancorp ranks #327 out of 1525 companies for Equity-to-Asset. This places First Financial Bancorp in the top 21% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. First Financial Bancorp's value of 0.13 is 30% above this benchmark. Historically, First Financial Bancorp's own Equity-to-Asset has ranged from 0.10 to 0.16 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bancorp's current Equity-to-Asset of 0.13 is 30% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Financial Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bancorp's current Equity-to-Asset is 0.13, which is near median its own 10-year median of 0.13. 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 $27.49, compared to a current price of $33.83 — trading 23% above its estimated fair value. The current Equity-to-Asset is 0.13, which is near median its 10-year median of 0.13 and 30% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For First Financial Bancorp (FFBC), the current Equity-to-Asset is 0.13 as of Mar. 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 $33.83 is trading 23% above its estimated GF Value™ of $27.49.
GuruFocus considers First Financial Bancorp to be Modestly Overvalued.
Key valuation signals for FFBC:
Equity-to-Asset: 0.13 (near median its 10-year median of 0.13)
GF Value™: $27.49 vs. price of $33.83 (23% above fair value)
Industry Position: 30% above the Banks median (#327 of 1525)
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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