Is First Financial Bancorp (FFBC) overvalued or fairly valued?

MarketChacha shows First Financial Bancorp's valuation in context — a trailing P/E of about 10.9, a forward P/E of about 9.0, a price-to-book of about 1.1 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does First Financial Bancorp's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.47×) from reported figures — education, not a rating.

What is the share price of First Financial Bancorp (FFBC)?

First Financial Bancorp last traded at $31.74 (+1.5% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

First Financial Bancorp

FFBC · NYSE · Financials · United States

Snapshot

TickerFFBC

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees2,371

HeadquartersCincinnati, United States

Websitewww.bankatfirst.com

Filings tracked22

About First Financial Bancorp

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and commercial customers. It also provides real estate loans secured by residential property, such as one to four family residential housing units or commercial property comprising owner-occupied and/or investor income producing real estate consisting of apartments, shopping centers, and office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment, as well as equipment and leasehold improvement financing for franchisees; consumer loans, such as new and used vehicle loans, second mortgages on residential real estate and unsecured loans; and home equity lines of credit. In addition, the company offers secured commercial financing services to the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees. Further, it provides a range of trust and wealth management services, lease and equipment financing services, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

Who owns it

Insiders1.2%
Institutions86.5%
Public & other12.3%

441 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.55%
Dimensional Fund Advisors LP6.33%
Vanguard Portfolio Management LLC6.07%
State Street Corporation5.53%
Nomura Asset Management International Inc4.80%
Vanguard Capital Management LLC4.32%
Fort Washington Investment Advisors, Inc.2.94%
Geode Capital Management, LLC2.67%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.47×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $275.9M · EPS 0.83

Est. earnings growth +3.3%

Next fiscal year

Rev $1.2B · EPS 3.54

Est. earnings growth +10.1%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

9.2%

Profit CAGR (2y)

-0.1%

EPS (FY2025)

2.66

Net profit (FY2025)

$255.6M

Ask MarketChacha about FFBC

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$255.6M	2.66	9.2%
FY2024	$228.8M	2.40	9.4%
FY2023	$255.9M	2.69	11.3%

Quarterly

Period	Net profit	EPS
2026Q2	$76.5M	0.73
2026Q1	$74.4M	0.71
2025Q3	$71.9M	0.75
2025Q2	$70.0M	0.73
2025Q1	$51.3M	0.54
2024Q3	$52.5M	0.55
2024Q2	$60.8M	0.64
2024Q1	$50.7M	0.53
2023Q3	$63.1M	0.66
2023Q2	$65.7M	0.69
2023Q1	$70.4M	0.74

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC8/6/2026
8-K — Reg FD disclosure, Exhibits
SEC7/27/2026material
8-K — Material agreement, Results of operations, Reg FD disclosure, Exhibits
SEC7/21/2026material
8-K — Executive/director change, Shareholder vote results, Exhibits
SEC5/29/2026material
8-K — Reg FD disclosure, Exhibits
SEC5/22/2026material
10-Q filing
SEC5/8/2026
8-K — Results of operations, Other events, Exhibits
SEC4/23/2026material
10-K filing
SEC2/19/2026
8-K — Reg FD disclosure, Exhibits
SEC2/2/2026material
8-K — Results of operations, Exhibits
SEC1/28/2026material
8-K — Completion of acquisition/disposition, Other events, Exhibits
SEC1/2/2026material

2025

8-K — Other events, Exhibits
SEC12/15/2025material
8-K — Reg FD disclosure, Exhibits
SEC12/11/2025material
8-K — Material agreement, Material financial obligation, Other events, Exhibits
SEC11/10/2025material
10-Q filing
SEC11/4/2025
8-K — Unregistered equity sale, Reg FD disclosure, Other events, Exhibits
SEC11/3/2025material
8-K — Reg FD disclosure, Exhibits
SEC11/3/2025material
8-K — Results of operations, Exhibits
SEC10/23/2025material
8-K — Other events
SEC10/16/2025material
8-K — Reg FD disclosure, Exhibits
SEC8/21/2025material
8-K — Material agreement, Reg FD disclosure, Exhibits
SEC8/11/2025material
10-Q filing
SEC8/7/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.