First Financial Bancorp (FRA:FI5) Tariff Resilience Score: 9/10 (As of Jul. 19, 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.
Reviewed by: Charlie Tian Charlie Tian
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
View Full Analysis

What is First Financial Bancorp Tariff Resilience Score?

First Financial Bancorp FRA:FI5 +4.76% 65 Tariff Resilience Score is 9 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 1,609 Banks companies, First Financial Bancorp ranks better than 99.25% on this metric.

First Financial Bancorp has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

First Financial Bancorp has FFBC, a regional bank, has limited direct exposure to tariffs. Its focus on domestic financial services insulates it from international trade fluctuations, making it highly resilient.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes First Financial Bancorp might have Highly Resilient.

First Financial Bancorp  (FRA:FI5) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

First Financial Bancorp Tariff Resilience Score Related Terms

FRA:FI5 vs MCHB, CBU, BKU: Tariff Resilience Score Comparison

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

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

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


FRA:FI5
65GF Score
First Financial Bancorp FRA:FI5
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a Tariff Resilience Score of 9 mean?
First Financial Bancorp (FRA:FI5) has a Tariff Resilience Score of 9 as of Jul. 19, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, First Financial Bancorp ranks #12 out of 1609 companies in the Banks industry, placing it in the top 0.7%.
Is First Financial Bancorp's Tariff Resilience Score too high?
First Financial Bancorp's current Tariff Resilience Score is 9. Based on the distribution chart, First Financial Bancorp ranks #12 out of 1609 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 Tariff Resilience Score compare to MCHB and CBU?
According to the Banks industry distribution chart, First Financial Bancorp ranks #12 out of 1609 companies for Tariff Resilience Score. This places First Financial Bancorp in the top 1% 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 Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. First Financial Bancorp's current Tariff Resilience Score is 9. 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 Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For First Financial Bancorp (FRA:FI5), the current Tariff Resilience Score is 9 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:

  • Tariff Resilience Score: 9
  • 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

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

€30.80
Price
€22.82
GF Value