First Financial BancorpFFBC -0.81%63 5-Year Yield-on-Cost % is 3.07 as of Jul. 05, 2026, which is 21% below its 10-year median of 3.87. GuruFocus rates FFBC with a GF Score™ of 63/100 and a GF Value™ of $27.44 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,256 Banks companies, First Financial Bancorp ranks worse than 64.89% on this metric.
The historical rank and industry rank for First Financial Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
FFBC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.21 Med: 3.87 Max: 8.34
Current: 3.07
During the past 13 years, First Financial Bancorp's highest Yield on Cost was 8.34. The lowest was 2.21. And the median was 3.87.
FFBC's 5-Year Yield-on-Cost % is ranked worse than 64.89% of 1256
companies
in the Banks industry
Industry Median: 3.905
vs FFBC: 3.07
First Financial Bancorp (NAS:FFBC) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
First Financial Bancorp 5-Year Yield-on-Cost % Related Terms
FFBC vs MCHB, CBU, BKU: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, First Financial Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where First Financial Bancorp's 5-Year Yield-on-Cost % falls into.
First Financial Bancorp 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
First Financial Bancorp (FFBC) has a 5-Year Yield-on-Cost % of 3.07 as of Jul. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Financial Bancorp and its competitors. This is 21% below median its historical median of 3.87. Over the past decade, First Financial Bancorp's 5-Year Yield-on-Cost % has ranged from 2.21 to 8.34. According to the industry distribution chart, First Financial Bancorp ranks #815 out of 1256 companies in the Banks industry, placing it in the top 64.9%.
Is First Financial Bancorp's 5-Year Yield-on-Cost % too high?
First Financial Bancorp's current 5-Year Yield-on-Cost % of 3.07 is 21% below median its 10-year median of 3.87. Over the past 10 years, this metric has ranged from a low of 2.21 to a high of 8.34. The Banks industry median 5-Year Yield-on-Cost % is 3.91. First Financial Bancorp's value of 3.07 is 21.4% below this industry median. Based on the distribution chart, First Financial Bancorp ranks #815 out of 1256 companies in the Banks industry, which is below 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 5-Year Yield-on-Cost % compare to MCHB and CBU?
According to the Banks industry distribution chart, First Financial Bancorp ranks #815 out of 1256 companies for 5-Year Yield-on-Cost %. This places First Financial Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. First Financial Bancorp's value of 3.07 is 21.4% below this benchmark. Historically, First Financial Bancorp's own 5-Year Yield-on-Cost % has ranged from 2.21 to 8.34 over the past decade. While the company's 10-year median is 3.87 vs. the industry median of 3.91, First Financial Bancorp has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bancorp's current 5-Year Yield-on-Cost % of 3.07 is 21.4% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Financial Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bancorp's current 5-Year Yield-on-Cost % is 3.07, which is 21% below median its own 10-year median of 3.87. 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 $27.44, compared to a current price of $34.41 — trading 25.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.07, which is 21% below median its 10-year median of 3.87 and 21.4% below the Banks industry median of 3.91. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Financial Bancorp (FFBC), the current 5-Year Yield-on-Cost % is 3.07 as of Jul. 05, 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 $34.41 is trading 25.4% above its estimated GF Value™ of $27.44.
GuruFocus considers First Financial Bancorp to be Modestly Overvalued.
Key valuation signals for FFBC:
5-Year Yield-on-Cost %: 3.07 (21% below median its 10-year median of 3.87)
GF Value™: $27.44 vs. price of $34.41 (25.4% above fair value)
Industry Position: 21.4% below the Banks median (#815 of 1256)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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