First Financial Bancorp vs FNB
FFBC and FNB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FFBC and FNB compare
FNB is the larger company, worth 1.9 times as much as First Financial Bancorp ($6.4B against $3.4B).
On earnings, FNB is cheaper: it trades at 10.8× trailing earnings, against 11.4× for First Financial Bancorp.
First Financial Bancorp grew revenue faster over the last twelve months (18.3% versus 11.8% for FNB).
FNB keeps more of each dollar of sales as profit, with a net margin of 33.0% compared with 28.3% at First Financial Bancorp.
Both pay dividends: First Financial Bancorp yields 3.1% and FNB 2.8%.
FNB scores higher on the StockData Score (21 against 16 for First Financial Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FFBC | FNB |
|---|---|---|
| Size and price | ||
| Market cap | $3.4B | $6.4B |
| Share price | $32.35 | $18.06 |
| Change, 1 year | 37.2% | 16.6% |
| Change, 5 years | 28.5% | 45.1% |
| Beta (5Y) | 0.75 | 0.89 |
| Employees | 2,199 | 4,282 |
| StockData Score | ||
| Total score | 16 | 21 (better) |
| Valuation score | 3 | 5 (better) |
| Growth score | 2 | 2 |
| Performance score | 2 | 4 (better) |
| Health score | 5 | 6 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 11.4× | 10.8× (better) |
| P/S | 3.4× (better) | 3.5× |
| P/B | 1.1× | 0.9× (better) |
| P/FCF | 4.5× (better) | 10.2× |
| PEG | 2.30 | 1.26 (better) |
| FCF yield | 22.3% (better) | 9.8% |
| Fair value | $32.05 | $19.93 |
| Margin of safety | −0.92% | 9.4% (better) |
| Growth | ||
| Revenue growth (TTM) | 18.3% (better) | 11.8% |
| Revenue growth, 5Y average | 6.9% | 7.7% (better) |
| Net income growth (TTM) | 19.5% | 29.3% (better) |
| EPS growth (TTM) | 13.2% | 31.3% (better) |
| EPS growth, 5Y average | 10.8% | 12.9% (better) |
| Profitability | ||
| Net margin | 28.3% | 33.0% (better) |
| FCF margin | 75.0% (better) | 34.0% |
| Return on equity | 10.3% (better) | 9.0% |
| Financial health | ||
| Debt / equity | 0.20 (better) | 0.39 |
| Altman Z-score | 0.25 (better) | 0.19 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 3.1% (better) | 2.8% |
| Payout ratio | 35.4% | 29.3% |
| Years of dividend growth | 2 (better) | 0 |
| Dividend growth, 5Y average | 1.3% (better) | 0.00% |
| Buyback yield | – | 1.8% |
| Shareholder yield | 3.1% | 4.5% (better) |
| Ownership | ||
| Held by institutions | 85.1% | 93.2% |
| Held by insiders | 1.3% | 1.6% |
| Insider net buying, 12 months | −$3.9M | −$1.4M (better) |
| Short interest, % of float | 6.7% | 6.8% |
Go deeper
- FFBC stock overview
- FFBC income statement
- FFBC valuation and score
- FNB stock overview
- FNB income statement
- FNB valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.