First Financial Bancorp (FFBC) stock
FFBCNasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 16/304% above fair value
$32.71−0.18 (-0.55%)
Close on Nov 11, 2026Market cap $3.43BP/E 11.5Yield 3.00%
First Financial Bancorp statistics
94 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 27, 2027 (estimated, after the close)
- Last ex-dividend date
- Dec 1, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 11, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 2.09
- 1.52
- P/OCF Ratio
- 4.21
- 9.79
Enterprise valuationIndustry
- EV / Sales
- 3.73
- 2.95
- EV / FCF
- 5.02
- 8.53
Share statisticsIndustry
- Shares Change (YoY)
- 7.75%
- 0.35%
- Float
- 104M
- 17M
- Shares Held by Insiders
- 1.34%
- 6.05%
- Shares Held by Institutions
- 85.1%
- 61.3%
Short sellingIndustry
- Short Interest
- 7M
- –
- Short Interest Change
- 5.12%
- -4.13%
- Short % of Float
- 6.78%
- 3.58%
- Short % of Shares Outstanding
- 6.69%
- 3.18%
- Days to Cover
- 7.53
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $36.24
- –
- 52-Week Low
- $23.16
- –
- 20-Day Moving Average
- $32.43
- –
- 50-Day Moving Average
- $32.07
- –
- 200-Day Moving Average
- $31.22
- –
- Average True Range (14)
- $0.70
- –
- Price Change (1 Week)
- -2.04%
- -1.44%
- Price Change (1 Month)
- 5.65%
- 4.50%
- Price Change (3 Months)
- -4.75%
- -3.21%
- Price Change (6 Months)
- 9.91%
- 11.7%
- Price Change (YTD)
- 30.7%
- 19.9%
- Price Change (1 Year)
- 35.3%
- 26.3%
- Price Change (3 Years)
- 70.0%
- 77.8%
- Price Change (5 Years)
- 29.2%
- 26.4%
- Price Change (10 Years)
- 33.8%
- 68.6%
- Average Volume (10 Days)
- 938,668
- –
- Average Volume (20 Days)
- 926,130
- –
- Average Volume (90 Days)
- 917,086
- –
- Relative Volume
- 0.45
- 0.63
- Relative Strength Index (14)
- 53.8
- 53.3
- Volatility (1 Year)
- 23.1%
- 24.4%
- Beta (5 Years)
- 0.74
- 0.63
MarginsIndustry
- Pretax Margin
- 35.0%
- 36.9%
- FCF Margin
- 74.2%
- 33.6%
Returns on capitalIndustry
- Return on Equity (ROE)
- 10.7%
- 10.7%
- Return on Assets (ROA)
- 1.44%
- 1.15%
Financial positionIndustry
- Debt / Equity
- 0.23
- 0.21
- Debt / FCF
- 0.84
- 1.42
GrowthIndustry
- Revenue Growth (YoY)
- 18.5%
- 11.8%
- Net Income Growth (YoY)
- 14.1%
- 23.0%
- EPS Growth (YoY)
- 5.56%
- 21.9%
- FCF Growth (YoY)
- 188.2%
- 28.2%
- Revenue Growth (3Y CAGR)
- 8.27%
- 5.82%
- Revenue Growth (5Y CAGR)
- 6.86%
- 6.17%
- EPS Growth (3Y CAGR)
- 4.97%
- 1.31%
- EPS Growth (5Y CAGR)
- 10.8%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $476.74K
- $359.04K
- Profits Per Employee
- $133.91K
- $109.67K
- Employee Count
- 2,199
- 492
- WACC
- 8.10%
- 7.92%
Income statement (TTM)Industry
- Pretax Income
- $366.41M
- $74.28M
Balance sheetIndustry
- Net Cash (Debt)
- -$475.76M
- $162.29M
- Net Cash Per Share
- -$4.53
- $8.13
- Equity (Book Value)
- $2.88B
- $570.13M
- Book Value Per Share
- $27.45
- $28.27
- Tangible Book Value
- $1.65B
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$36.79M
- -$4.28M
- FCF Per Share
- $7.41
- $3.31
Dividends and yieldsIndustry
- Earnings Yield
- 8.58%
- 8.25%
- FCF Yield
- 22.7%
- 9.17%
- Dividend Yield
- 3.00%
- 2.45%
- Shareholder Yield
- 3.00%
- 3.21%
- Dividend Per Share
- $0.98
- $0.92
- Dividend Growth (YoY)
- 4.26%
- 4.26%
- Years of Dividend Growth
- 2
- 2
- Payout Ratio
- 35.4%
- 29.0%
- FCF Payout Ratio
- 13.4%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $71.93M
- $15.94M
- Effective Tax Rate
- 19.6%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $41.96
- $45.42
- Graham Upside
- 28.3%
- 18.7%
- Altman Z-Score
- 0.25
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $30.89
- –
- Lynch Upside
- -5.55%
- -0.72%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 11, 2026. The S&P 500 is measured by the SPY fund.
| Period | FFBC | S&P 500 | Difference | FFBC per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +5.9% | -2.4% | +8.3 pts | ||
| 3 months | -3.0% | -1.2% | −1.9 pts | ||
| Year to date | +34.1% | +12.3% | +21.8 pts | ||
| 1 year | +40.3% | +12.4% | +27.9 pts | ||
| 3 years | +90.4% | +78.8% | +11.5 pts | +23.9% | +21.4% |
| 5 years | +54.9% | +75.2% | −20.2 pts | +9.2% | +11.9% |
| 10 years | +94.8% | +311.1% | −216.3 pts | +6.9% | +15.2% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
7M FFBC shares were sold short on Oct 30, 2026, up 5.1% from the previous report, or 6.78% of the shares available to trade. At recent volumes it would take 7.5 days to buy them back. Over the last 20 sessions, 74.1% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 7,019,717 | +5.1% | 932,852 | 7.5 |
| Oct 15, 2026 | 6,677,945 | -3.5% | 805,843 | 8.3 |
| Sep 30, 2026 | 6,923,219 | +13.3% | 1,128,499 | 6.1 |
| Sep 15, 2026 | 6,108,451 | +11.0% | 699,271 | 8.7 |
| Aug 31, 2026 | 5,505,098 | +3.6% | 634,697 | 8.7 |
| Aug 14, 2026 | 5,315,446 | -2.9% | 608,684 | 8.7 |
| Jul 31, 2026 | 5,475,421 | +10.0% | 1,445,342 | 3.8 |
| Jul 15, 2026 | 4,979,499 | +9.2% | 988,319 | 5.0 |
| Jun 30, 2026 | 4,561,704 | +17.5% | 1,223,325 | 3.7 |
| Jun 15, 2026 | 3,883,581 | -2.9% | 921,869 | 4.2 |
| May 29, 2026 | 4,001,343 | +2.7% | 731,545 | 5.5 |
| May 15, 2026 | 3,897,933 | -1.6% | 762,662 | 5.1 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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