First Financial BancorpFFBC -0.22%63 Return-on-Tangible-Equity is 18.35% as of Mar. 2026, which is 6% above its 10-year median of 17.24. GuruFocus rates FFBC with a GF Scoreâ„¢ of 63/100 and a GF Valueâ„¢ of $27.42 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, First Financial Bancorp ranks better than 85.49% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. First Financial Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $297.8 Mil. First Financial Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $1,623.0 Mil. Therefore, First Financial Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 18.35%.
The historical rank and industry rank for First Financial Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
FFBC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 12.4 Med: 17.24 Max: 24.09
Current: 18.13
During the past 13 years, First Financial Bancorp's highest Return-on-Tangible-Equity was 24.09%. The lowest was 12.40%. And the median was 17.24%.
FFBC's Return-on-Tangible-Equity is ranked better than 85.49% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs FFBC: 18.13
First Financial Bancorp (NAS:FFBC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
First Financial Bancorp Return-on-Tangible-Equity Related Terms
First Financial Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for First Financial Bancorp's Return-on-Tangible-Equity can be seen below:
* 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 Return-on-Tangible-Equity Chart
FFBC vs MCHB, CBU, BKU: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, First Financial Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where First Financial Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 18.35% mean?
First Financial Bancorp (FFBC) has a Return-on-Tangible-Equity of 18.35% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Financial Bancorp and its competitors. This is near median its historical median of 17.24. Over the past decade, First Financial Bancorp's Return-on-Tangible-Equity has ranged from 12.40 to 24.09. According to the industry distribution chart, First Financial Bancorp ranks #221 out of 1523 companies in the Banks industry, placing it in the top 14.5%.
Is First Financial Bancorp's Return-on-Tangible-Equity too high?
First Financial Bancorp's current Return-on-Tangible-Equity of 18.35% is near median its 10-year median of 17.24. Over the past 10 years, this metric has ranged from a low of 12.40 to a high of 24.09. The Banks industry median Return-on-Tangible-Equity is 11.20. First Financial Bancorp's value of 18.35% is 63.8% above this industry median. Based on the distribution chart, First Financial Bancorp ranks #221 out of 1523 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 Return-on-Tangible-Equity compare to MCHB and CBU?
According to the Banks industry distribution chart, First Financial Bancorp ranks #221 out of 1523 companies for Return-on-Tangible-Equity. This places First Financial Bancorp in the top 15% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. First Financial Bancorp's value of 18.35% is 63.8% above this benchmark. Historically, First Financial Bancorp's own Return-on-Tangible-Equity has ranged from 12.40 to 24.09 over the past decade. While the company's 10-year median is 17.24 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bancorp's current Return-on-Tangible-Equity of 18.35% is 63.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Financial Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bancorp's current Return-on-Tangible-Equity is 18.35%, which is near median its own 10-year median of 17.24. 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 $27.42, compared to a current price of $33.82 — trading 23.3% above its estimated fair value. The current Return-on-Tangible-Equity is 18.35%, which is near median its 10-year median of 17.24 and 63.8% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For First Financial Bancorp (FFBC), the current Return-on-Tangible-Equity is 18.35% 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 $33.82 is trading 23.3% above its estimated GF Value™ of $27.42.
GuruFocus considers First Financial Bancorp to be Modestly Overvalued.
Key valuation signals for FFBC:
Return-on-Tangible-Equity: 18.35% (near median its 10-year median of 17.24)
GF Value™: $27.42 vs. price of $33.82 (23.3% above fair value)
Industry Position: 63.8% above the Banks median (#221 of 1523)
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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FFBC has been successfully added to your 
