First Financial BancorpFFBC +0.87%63 OCF Margin % is 209.03% as of Mar. 2026, which is 481% above its 10-year median of 35.95. 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 1,505 Banks companies, First Financial Bancorp ranks better than 82.33% 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.
For the Banks - Regional subindustry, First Financial Bancorp's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where First Financial Bancorp's OCF 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 OCF Margin % of 209.03% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Financial Bancorp and its competitors. This is 481% above median its historical median of 35.95. Over the past decade, First Financial Bancorp's OCF Margin % has ranged from 16.78 to 62.24. According to the industry distribution chart, First Financial Bancorp ranks #266 out of 1505 companies in the Banks industry, placing it in the top 17.7%.
Is First Financial Bancorp's OCF Margin % too high?
First Financial Bancorp's current OCF Margin % of 209.03% is 481% above median its 10-year median of 35.95. Over the past 10 years, this metric has ranged from a low of 16.78 to a high of 62.24. The Banks industry median OCF Margin % is 29.44. First Financial Bancorp's value of 209.03% is 610% above this industry median. Based on the distribution chart, First Financial Bancorp ranks #266 out of 1505 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 OCF Margin % compare to MCHB and CBU?
According to the Banks industry distribution chart, First Financial Bancorp ranks #266 out of 1505 companies for OCF Margin %. This places First Financial Bancorp in the top 18% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.44. First Financial Bancorp's value of 209.03% is 610% above this benchmark. Historically, First Financial Bancorp's own OCF Margin % has ranged from 16.78 to 62.24 over the past decade. While the company's 10-year median is 35.95 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bancorp's current OCF Margin % of 209.03% is 610% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Financial Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bancorp's current OCF Margin % is 209.03%, which is 481% above median its own 10-year median of 35.95. 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 OCF Margin % is 209.03%, which is 481% above median its 10-year median of 35.95 and 610% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For First Financial Bancorp (FFBC), the current OCF Margin % is 209.03% 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:
OCF Margin %: 209.03% (481% above median its 10-year median of 35.95)
GF Value™: $27.38 vs. price of $33.75 (23.3% above fair value)
Industry Position: 610% above the Banks median (#266 of 1505)
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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