First Financial Bancorp (FRA:FI5) Moat Score: 5/10 (As of Jul. 19, 2026)

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FRA:FI5 First Financial Bancorp FRA:FI5
65 GF Score
Price €30.80
GF Value €22.82
Valuation Significantly Overvalued
! 7 Warning Signs
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What is First Financial Bancorp Moat Score?

First Financial Bancorp FRA:FI5 +4.76% 65 Moat Score is 5 as of Jul. 19, 2026. GuruFocus rates FRA:FI5 with a GF Score™ of 65/100 and a GF Value™ of €22.82 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,613 Banks companies, First Financial Bancorp ranks better than 94.05% on this metric.

First Financial Bancorp has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

First Financial Bancorp has Narrow Moat: First Financial Bancorp has a solid narrow moat due to its regional market presence and customer relationships. While it benefits from some economies of scale and brand recognition, the competitive banking landscape limits its moat to a solid but not wide level.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First Financial Bancorp might have Narrow Moat - Solid narrow moat.

First Financial Bancorp  (FRA:FI5) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First Financial Bancorp Moat Score Related Terms

FRA:FI5 vs MCHB, CBU, BKU: Moat Score Comparison

For the Banks - Regional subindustry, First Financial Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, First Financial Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where First Financial Bancorp's Moat Score falls into.


FRA:FI5
65GF Score
First Financial Bancorp FRA:FI5
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
First Financial Bancorp (FRA:FI5) has a Moat Score of 5 as of Jul. 19, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First Financial Bancorp ranks #96 out of 1613 companies in the Banks industry, placing it in the top 6%.
Is First Financial Bancorp's Moat Score too high?
First Financial Bancorp's current Moat Score is 5. Based on the distribution chart, First Financial Bancorp ranks #96 out of 1613 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 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bancorp's Moat Score compare to MCHB and CBU?
According to the Banks industry distribution chart, First Financial Bancorp ranks #96 out of 1613 companies for Moat Score. This places First Financial Bancorp in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First Financial Bancorp's current Moat Score is 5. 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 Moat Score is 5. First Financial Bancorp's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First Financial Bancorp (FRA:FI5), the current Moat Score is 5 as of Jul. 19, 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 (FRA:FI5) Overvalued in 2026?

Based on GuruFocus' analysis, First Financial Bancorp stock appears to be overvalued. The current stock price of €30.80 is trading 35% above its estimated GF Value™ of €22.82. GuruFocus considers First Financial Bancorp to be Significantly Overvalued.

Key valuation signals for FRA:FI5:

  • Moat Score: 5
  • GF Value™: €22.82 vs. price of €30.80 (35% above fair value)
  • GF Score™: 65/100 with 7 warning signs

No single metric tells the full story. See the FRA:FI5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First Financial Bancorp Business Description

Other Exchanges FFBC:USA
Address 255 East Fifth Street, Suite 900, Cincinnati, OH, USA, 45202
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€30.80
Price
€22.82
GF Value