First Financial BancorpFFBC +0.87%63 Net Margin % is 28.35% as of Mar. 2026, which is 4% below its 10-year median of 29.44. GuruFocus rates FFBC with a GF Score™ of 63/100 and a GF Value™ of $27.38 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,530 Banks companies, First Financial Bancorp ranks better than 57.71% on this metric.
The historical rank and industry rank for First Financial Bancorp's Net Margin % or its related term are showing as below:
FFBC'
s Net Margin % Range Over the Past 10 Years
Min: 24.13 Med: 29.44 Max: 32.9
Current: 28.99
FFBC's Net Margin % is ranked better than 57.71% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs FFBC: 28.99
First Financial Bancorp (NAS:FFBC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
First Financial Bancorp Net Margin % Related Terms
First Financial Bancorp Net Margin % 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.
For the Banks - Regional subindustry, First Financial Bancorp's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where First Financial Bancorp's Net 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 (FFBC) has a Net Margin % of 28.35% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on First Financial Bancorp and its competitors. This is near median its historical median of 29.44. Over the past decade, First Financial Bancorp's Net Margin % has ranged from 24.13 to 32.90. According to the industry distribution chart, First Financial Bancorp ranks #647 out of 1530 companies in the Banks industry, placing it in the top 42.3%.
Is First Financial Bancorp's Net Margin % too high?
First Financial Bancorp's current Net Margin % of 28.35% is near median its 10-year median of 29.44. Over the past 10 years, this metric has ranged from a low of 24.13 to a high of 32.90. The Banks industry median Net Margin % is 26.85. First Financial Bancorp's value of 28.35% is 5.6% above this industry median. Based on the distribution chart, First Financial Bancorp ranks #647 out of 1530 companies in the Banks industry, which is above 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 Net Margin % compare to MCHB and CBU?
According to the Banks industry distribution chart, First Financial Bancorp ranks #647 out of 1530 companies for Net Margin %. This puts First Financial Bancorp in the upper half of its industry. The industry median Net Margin % is 26.85. First Financial Bancorp's value of 28.35% is 5.6% above this benchmark. Historically, First Financial Bancorp's own Net Margin % has ranged from 24.13 to 32.90 over the past decade. While the company's 10-year median is 29.44 vs. the industry median of 26.85, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bancorp's current Net Margin % of 28.35% is 5.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on First Financial Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bancorp's current Net Margin % is 28.35%, which is near median its own 10-year median of 29.44. 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 $27.38, compared to a current price of $33.75 — trading 23.3% above its estimated fair value. The current Net Margin % is 28.35%, which is near median its 10-year median of 29.44 and 5.6% above the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For First Financial Bancorp (FFBC), the current Net Margin % is 28.35% 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 $33.75 is trading 23.3% above its estimated GF Value™ of $27.38.
GuruFocus considers First Financial Bancorp to be Modestly Overvalued.
Key valuation signals for FFBC:
Net Margin %: 28.35% (near median its 10-year median of 29.44)
GF Value™: $27.38 vs. price of $33.75 (23.3% above fair value)
Industry Position: 5.6% above the Banks median (#647 of 1530)
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
Get the complete analysis for FFBC
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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