First Financial Bancorp (FRA:FI5) ROC %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 ROC %?

First Financial Bancorp FRA:FI5 +4.76% 65 ROC % is % as of Mar. 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.

ROC %does not apply to banks.

FRA:FI5
65GF Score
First Financial Bancorp FRA:FI5
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
First Financial Bancorp (FRA:FI5) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on First Financial Bancorp and its competitors.
Is First Financial Bancorp's ROC % too high?
First Financial Bancorp's current ROC % is %. 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 ROC % compare to MCHB and CBU?
First Financial Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.85, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on First Financial Bancorp and its competitors. For the Banks industry, the median ROC % is 1.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bancorp's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For First Financial Bancorp (FRA:FI5), the current ROC % is % 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 (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:

  • ROC %: %
  • 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

Get the complete analysis for FRA:FI5

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€30.80
Price
€22.82
GF Value