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First Financial BancorpFRA:FI5 +4.76% FCF Margin % is 203.89% as of Mar. 2026, which is 502% above its 10-year median of 33.89. The stock has 7 warning signs investors should review. Among 1,507 Banks companies, First Financial Bancorp ranks better than 82.75% on this metric.
* 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.
FRA:FI5 vs MCHB, CBU, BKU: FCF Margin % Comparison
For the Banks - Regional subindustry, First Financial Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Financial Bancorp's FCF Margin % falls into.
* 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 (FRA:FI5) has a FCF Margin % of 203.89% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Financial Bancorp and its competitors. This is 502% above median its historical median of 33.89. Over the past decade, First Financial Bancorp's FCF Margin % has ranged from 14.23 to 83.46. According to the industry distribution chart, First Financial Bancorp ranks #260 out of 1507 companies in the Banks industry, placing it in the top 17.3%.
Is First Financial Bancorp's FCF Margin % too high?
First Financial Bancorp's current FCF Margin % of 203.89% is 502% above median its 10-year median of 33.89. Over the past 10 years, this metric has ranged from a low of 14.23 to a high of 83.46. The Banks industry median FCF Margin % is 26.61. First Financial Bancorp's value of 203.89% is 666.2% above this industry median. Based on the distribution chart, First Financial Bancorp ranks #260 out of 1507 companies in the Banks industry, which is in the top quartile — a strong position relative to peers.
How does First Financial Bancorp's FCF Margin % compare to MCHB and CBU?
According to the Banks industry distribution chart, First Financial Bancorp ranks #260 out of 1507 companies for FCF Margin %. This places First Financial Bancorp in the top 17% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.61. First Financial Bancorp's value of 203.89% is 666.2% above this benchmark. Historically, First Financial Bancorp's own FCF Margin % has ranged from 14.23 to 83.46 over the past decade. While the company's 10-year median is 33.89 vs. the industry median of 26.61, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.61, based on 1,507 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bancorp's current FCF Margin % of 203.89% is 666.2% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Financial Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bancorp's current FCF Margin % is 203.89%, which is 502% above median its own 10-year median of 33.89. 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 (FRA:FI5) is currently considered Significantly Overvalued. The stock's GF Value™ is €22.82, compared to a current price of €30.80 — trading 35% above its estimated fair value. The current FCF Margin % is 203.89%, which is 502% above median its 10-year median of 33.89 and 666.2% above the Banks industry median of 26.61. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Financial Bancorp (FRA:FI5), the current FCF Margin % is 203.89% 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.
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.
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