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First Financial Bancorp. FFBC | NASDAQ

$32.78 $0.11 | 0.34%

TREND SIGNAL: Signal available — unlock to view

|2026-08-20

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Company Overview:

Market Cap: $3.41B

Trailing PE: 11.6x

FWD PE *: 10x

Payout Ratio (TTM): 35.4%

52-Week Range: $23.06 - $36.24

* Forward PE is based on street estimates.

7.3 Year FFBC Performance Metrics:

Total Return (with DRIP): 84.9% (8.78% CAGR)

Total Return (no DRIP): 65.9% (7.18% CAGR)

Share Price: 39.0% (4.62% CAGR)

Yield on Cost (with DRIP): 5.87%

Total Invested: $10,000

Total Value (with DRIP): $18,488

Total Return $ (with DRIP): $8,488

Dividend Increase: 8.7% (1.20% CAGR)

Dividend Yield (FWD): 3.17% ($1.04)

FFBC 7.3-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

FFBC Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

FFBC Price CAGR:1Y: 39.02%2Y: 12.48%5Y: 6.63%10Y: 4.62%

FFBC Dividend Charts

FFBC - Dividends

FFBC Dividend CAGR:1Y: 4.00%2Y: 4.08%5Y: 2.48%10Y: 4.97%

FFBC - Dividend Payout Ratio

FFBC Dividend Payout Ratio CAGR:1Y: 4.52%2Y: -2.17%5Y: -4.15%10Y: -2.04%

FFBC - Dividend to Free Cash Flow Ratio

FFBC Dividend to FCF Ratio CAGR:1Y: 251.38%2Y: 92.36%5Y: 26.65%10Y: 14.99%

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FFBC - Chart 1

FFBC - Chart 2

FFBC - Chart 3

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Combined 55% Lifetime Discount

FFBC Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

FFBC - Revenue

FFBC Revenue CAGR:1Y: -16.88%2Y: -8.86%5Y: 10.70%10Y: 11.58%

FFBC - Earnings Per Share (EPS)

FFBC EPS CAGR:1Y: 0.00%2Y: 6.80%5Y: 7.02%10Y: 7.33%

FFBC - Net Income

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FFBC Net Income CAGR:1Y: 9.23%2Y: 12.13%5Y: 8.48%10Y: 12.98%

FFBC - EBITDA

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FFBC EBITDA CAGR:1Y: 13.24%2Y: 14.27%5Y: 6.81%10Y: 9.10%

FFBC - Free Cash Flow

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FFBC Free Cash Flow CAGR:1Y: -67.51%2Y: -42.97%5Y: -17.90%10Y: -3.75%

FFBC - Free Cash Flow / Share

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FFBC Free Cash Flow / Share CAGR:1Y: -70.28%2Y: -45.58%5Y: -19.14%10Y: -8.70%

FFBC - Operating Income

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FFBC Operating Income CAGR:1Y: 7.49%2Y: 12.37%5Y: 4.70%10Y: 8.46%

FFBC - Gross Profit

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FFBC Gross Profit CAGR:1Y: -1.72%2Y: 3.58%5Y: 0.00%10Y: 0.00%

FFBC - Shares Outstanding

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FFBC Shares Outstanding CAGR:1Y: 9.60%2Y: 4.84%5Y: 1.58%10Y: 5.40%

FFBC - Share Buybacks

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FFBC Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

FFBC - Stock-Based Comp

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FFBC Stock-Based Comp CAGR:1Y: 45.13%2Y: 15.23%5Y: 10.39%10Y: 11.40%

FFBC - Expenses

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FFBC Expenses CAGR:1Y: 108.25%2Y: 77.06%5Y: 33.32%10Y: 55.70%

FFBC - Revenue vs Net Income

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FFBC - EPS vs FCF / Share

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FFBC - EPS vs PE Ratio

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FFBC - FCF vs FCF / Share

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FFBC - FCF vs Stock Based Comp

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FFBC - Cash & Debt

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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

FFBC - REVENUE: Actual + Estimates

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FFBC Actual Revenue CAGR:1Y: -16.88%2Y: -8.86%5Y: 10.70%10Y: 11.58%

FFBC - EPS: Actual + Estimates

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FFBC Actual EPS CAGR:1Y: 0.00%2Y: 6.80%5Y: 7.02%10Y: 7.33%

FFBC - NET INCOME: Actual + Estimates

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FFBC Actual Net Income CAGR:1Y: 9.23%2Y: 12.13%5Y: 8.48%10Y: 12.98%

FFBC - EBITDA: Actual + Estimates

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FFBC Actual EBITDA CAGR:1Y: 13.24%2Y: 14.27%5Y: 6.81%10Y: 9.10%

Ratios, Profit Margins & Return on Capital:

FFBC - Net Profit Margin

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FFBC Net Profit Margin CAGR:1Y: 9.20%2Y: 12.16%5Y: -5.57%10Y: -0.60%

FFBC - Gross Profit Margin

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FFBC Gross Profit Margin CAGR:1Y: -1.78%2Y: 3.60%5Y: -7.49%10Y: -3.82%

FFBC - Price to Earnings

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FFBC Price to Earnings CAGR:1Y: 39.45%2Y: 15.28%5Y: 0.48%10Y: -1.42%

FFBC - Price To Sales Ratio

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FFBC Price To Sales Ratio CAGR:1Y: 52.36%2Y: 29.53%5Y: -5.04%10Y: -1.98%

FFBC - Return on Capital Employed

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FFBC Return on Capital Employed CAGR:1Y: 15.85%2Y: 12.43%5Y: 42.19%10Y: 17.13%

FFBC - Return on Invested Capital

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FFBC Return on Invested Capital CAGR:1Y: 22.34%2Y: 21.97%5Y: -1.94%10Y: 3.71%

FFBC Dividends Info:

Annual Dividend: $1.04

Forward Yield: 3.17%

Ex-Dividend Date: 2026-09-01

Lifetime Dividends / Share: $24.44

FFBC Dividend History: Dates, Payments & Yield list

Below is a schedule of all FFBC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
09/01/2026	09/03/2026	$0.260	3.25%	3.17%	$32.83
06/01/2026	06/03/2026	$0.250	3.33%	3.36%	$29.77
03/02/2026	03/04/2026	$0.250	3.55%	3.57%	$28.04
12/01/2025	12/03/2025	$0.250	4%	3.91%	$25.58
09/02/2025	09/04/2025	$0.250	3.81%	3.75%	$26.70
06/02/2025	06/04/2025	$0.240	4.06%	4.09%	$23.46
03/03/2025	03/05/2025	$0.240	3.54%	3.72%	$25.81
12/02/2024	12/04/2024	$0.240	3.28%	3.29%	$29.14
08/30/2024	09/02/2024	$0.240	3.63%	3.78%	$25.37
06/03/2024	06/05/2024	$0.230	4.24%	4.29%	$21.44
02/29/2024	03/04/2024	$0.230	4.24%	4.26%	$21.59
11/30/2023	12/04/2023	$0.230	4.55%	4.24%	$21.70
08/31/2023	09/04/2023	$0.230	4.43%	4.54%	$20.27
05/31/2023	06/02/2023	$0.230	4.85%	4.41%	$20.85
02/28/2023	03/02/2023	$0.230	3.73%	3.77%	$24.38
11/30/2022	12/15/2022	$0.230	3.48%	3.9%	$23.59
08/31/2022	09/15/2022	$0.230	4.26%	4.21%	$21.84
05/31/2022	06/15/2022	$0.230	4.39%	4.67%	$19.68
02/28/2022	03/15/2022	$0.230	3.74%	3.86%	$23.82
11/30/2021	12/15/2021	$0.230	4%	3.95%	$23.32
08/31/2021	09/15/2021	$0.230	3.91%	4.11%	$22.36
05/28/2021	06/15/2021	$0.230	3.61%	3.61%	$25.48
02/26/2021	03/15/2021	$0.230	4.1%	3.6%	$25.53
11/30/2020	12/15/2020	$0.230	5.73%	5.21%	$17.67
08/31/2020	09/15/2020	$0.230	6.71%	7.13%	$12.90
05/29/2020	06/15/2020	$0.230	6.92%	6.77%	$13.59
02/28/2020	03/16/2020	$0.230	4.47%	6.57%	$14.00
11/29/2019	12/16/2019	$0.230	3.78%	3.6%	$25.55
08/29/2019	09/16/2019	$0.230	3.97%	3.64%	$25.27
05/31/2019	06/17/2019	$0.220	0%	3.73%	$23.58
02/28/2019	03/15/2019	$0.220	0%	3.73%	$23.58
11/30/2018	12/17/2018	$0.200	0%	3.39%	$23.58
08/30/2018	09/17/2018	$0.200	0%	3.39%	$23.58
05/31/2018	06/15/2018	$0.190	0%	3.22%	$23.58
02/28/2018	03/15/2018	$0.190	0%	3.22%	$23.58
11/30/2017	01/02/2018	$0.170	0%	2.88%	$23.58
08/30/2017	10/02/2017	$0.170	0%	2.88%	$23.58
05/31/2017	07/03/2017	$0.170	0%	2.88%	$23.58
02/28/2017	04/03/2017	$0.170	0%	2.88%	$23.58
11/30/2016	01/03/2017	$0.160	0%	2.71%	$23.58
08/31/2016	10/03/2016	$0.160	0%	2.71%	$23.58
05/27/2016	07/01/2016	$0.160	0%	2.71%	$23.58
02/29/2016	04/01/2016	$0.160	0%	2.71%	$23.58
12/02/2015	01/04/2016	$0.160	0%	2.71%	$23.58
08/26/2015	10/01/2015	$0.160	0%	2.71%	$23.58
05/27/2015	07/01/2015	$0.160	0%	2.71%	$23.58
02/25/2015	04/01/2015	$0.160	0%	2.71%	$23.58
11/25/2014	01/02/2015	$0.160	0%	2.71%	$23.58
08/27/2014	10/01/2014	$0.150	0%	2.54%	$23.58
05/28/2014	07/01/2014	$0.150	0%	2.54%	$23.58
02/26/2014	04/01/2014	$0.150	0%	2.54%	$23.58
11/26/2013	01/02/2014	$0.150	0%	2.54%	$23.58
08/28/2013	10/01/2013	$0.270	0%	4.58%	$23.58
05/29/2013	07/01/2013	$0.240	0%	4.07%	$23.58
02/27/2013	04/01/2013	$0.280	0%	4.75%	$23.58
11/28/2012	01/02/2013	$0.280	0%	4.75%	$23.58
08/29/2012	10/01/2012	$0.300	0%	5.09%	$23.58
05/30/2012	07/02/2012	$0.290	0%	4.92%	$23.58
02/29/2012	04/02/2012	$0.310	0%	5.26%	$23.58
11/30/2011	01/03/2012	$0.270	0%	4.58%	$23.58
08/31/2011	10/03/2011	$0.270	0%	4.58%	$23.58
06/01/2011	07/01/2011	$0.120	0%	2.04%	$23.58
03/02/2011	04/01/2011	$0.120	0%	2.04%	$23.58
12/15/2010	01/03/2011	$0.100	0%	1.7%	$23.58
09/01/2010	10/01/2010	$0.100	0%	1.7%	$23.58
06/02/2010	07/01/2010	$0.100	0%	1.7%	$23.58
03/03/2010	04/01/2010	$0.100	0%	1.7%	$23.58
12/02/2009	01/04/2010	$0.100	0%	1.7%	$23.58
09/02/2009	10/01/2009	$0.100	0%	1.7%	$23.58
06/03/2009	07/01/2009	$0.100	0%	1.7%	$23.58
03/04/2009	04/01/2009	$0.100	0%	1.7%	$23.58
12/03/2008	01/02/2009	$0.170	0%	2.88%	$23.58
09/03/2008	10/01/2008	$0.170	0%	2.88%	$23.58
05/30/2008	07/01/2008	$0.170	0%	2.88%	$23.58
03/05/2008	04/01/2008	$0.170	0%	2.88%	$23.58
12/05/2007	01/02/2008	$0.170	0%	2.88%	$23.58
09/05/2007	10/01/2007	$0.160	0%	2.71%	$23.58
05/30/2007	07/02/2007	$0.160	0%	2.71%	$23.58
03/07/2007	04/02/2007	$0.160	0%	2.71%	$23.58
12/06/2006	01/02/2007	$0.160	0%	2.71%	$23.58
08/30/2006	10/02/2006	$0.160	0%	2.71%	$23.58
06/08/2006	07/03/2006	$0.160	0%	2.71%	$23.58
03/08/2006	04/03/2006	$0.160	0%	2.71%	$23.58
11/29/2005	01/02/2006	$0.160	0%	2.71%	$23.58
08/31/2005	10/03/2005	$0.160	0%	2.71%	$23.58
06/01/2005	07/01/2005	$0.160	0%	2.71%	$23.58
03/02/2005	04/01/2005	$0.160	0%	2.71%	$23.58
12/01/2004	01/03/2005	$0.150	0%	2.54%	$23.58
09/01/2004	10/01/2004	$0.150	0%	2.54%	$23.58
06/02/2004	07/01/2004	$0.150	0%	2.54%	$23.58
03/03/2004	04/01/2004	$0.150	0%	2.54%	$23.58
12/03/2003	01/02/2004	$0.150	0%	2.54%	$23.58
09/03/2003	10/01/2003	$0.150	0%	2.54%	$23.58
06/04/2003	07/01/2003	$0.150	0%	2.54%	$23.58
03/05/2003	04/01/2003	$0.150	0%	2.54%	$23.58
12/04/2002	01/02/2003	$0.150	0%	2.54%	$23.58
09/04/2002	10/01/2002	$0.150	0%	2.54%	$23.58
06/05/2002	07/01/2002	$0.150	0%	2.54%	$23.58
03/06/2002	04/01/2002	$0.150	0%	2.54%	$23.58
12/05/2001	01/02/2002	$0.150	0%	2.54%	$23.58
09/05/2001	10/01/2001	$0.150	0%	2.54%	$23.58
05/30/2001	07/02/2001	$0.150	0%	2.54%	$23.58
03/07/2001	04/02/2001	$0.150	0%	2.54%	$23.58
12/06/2000	01/02/2001	$0.143	0%	2.42%	$23.58
08/30/2000	10/02/2000	$0.143	0%	2.42%	$23.58
05/31/2000	07/03/2000	$0.143	0%	2.42%	$23.58
03/01/2000	04/03/2000	$0.143	0%	2.42%	$23.58
12/01/1999	12/03/1999	$0.143	0%	2.42%	$23.58
09/01/1999	10/01/1999	$0.130	0%	2.2%	$23.58
06/02/1999	07/01/1999	$0.130	0%	2.2%	$23.58
03/03/1999	04/01/1999	$0.130	0%	2.2%	$23.58
12/02/1998	12/04/1998	$0.130	0%	2.2%	$23.58
09/02/1998	10/01/1998	$0.118	0%	2%	$23.58
06/03/1998	07/01/1998	$0.118	0%	2%	$23.58
03/04/1998	04/01/1998	$0.118	0%	2%	$23.58
12/03/1997	01/02/1998	$0.118	0%	2%	$23.58
09/03/1997	09/05/1997	$0.091	0%	1.55%	$23.58
06/04/1997	07/01/1997	$0.107	0%	1.82%	$23.58
03/05/1997	04/01/1997	$0.107	0%	1.82%	$23.58
12/04/1996	01/02/1997	$0.107	0%	1.82%	$23.58
10/01/1996	10/03/1996	$0.098	0%	1.66%	$23.58
09/04/1996	10/01/1996	$0.098	0%	1.66%	$23.58
06/05/1996	07/01/1996	$0.098	0%	1.66%	$23.58
03/06/1996	04/01/1996	$0.098	0%	1.66%	$23.58
12/06/1995	01/02/1996	$0.098	0%	1.66%	$23.58
09/06/1995	10/02/1995	$0.085	0%	1.43%	$23.58
08/11/1995	08/16/1995	$0.078	0%	1.32%	$23.58
06/06/1995	07/03/1995	$0.078	0%	1.32%	$23.58
04/24/1995	04/26/1995	$0.078	0%	1.32%	$23.58
03/06/1995	04/03/1995	$0.068	0%	1.15%	$23.58
12/05/1994	01/03/1995	$0.068	0%	1.15%	$23.58
09/02/1994	10/03/1994	$0.070	0%	1.19%	$23.58
07/26/1994	07/28/1994	$0.070	0%	1.19%	$23.58
06/06/1994	07/01/1994	$0.070	0%	1.19%	$23.58
02/23/1994	04/01/1994	$0.070	0%	1.19%	$23.58
12/06/1993	01/03/1994	$0.064	0%	1.09%	$23.58
09/01/1993	09/03/1993	$0.064	0%	1.09%	$23.58
05/28/1993	07/01/1993	$0.064	0%	1.09%	$23.58
03/01/1993	03/03/1993	$0.064	0%	1.09%	$23.58
12/03/1992	01/04/1993	$0.059	0%	0.99%	$23.58
11/09/1992	11/11/1992	$0.064	0%	1.09%	$23.58
09/03/1992	10/01/1992	$0.064	0%	1.09%	$23.58
06/04/1992	07/01/1992	$0.064	0%	1.09%	$23.58
03/02/1992	04/01/1992	$0.059	0%	0.99%	$23.58
12/03/1991	01/02/1992	$0.059	0%	0.99%	$23.58
09/03/1991	10/01/1991	$0.064	0%	1.09%	$23.58
06/03/1991	07/01/1991	$0.064	0%	1.09%	$23.58
03/04/1991	04/01/1991	$0.064	0%	1.09%	$23.58
12/03/1990	01/02/1991	$0.059	0%	0.99%	$23.58
08/31/1990	09/05/1990	$0.059	0%	0.99%	$23.58
06/04/1990	06/06/1990	$0.051	0%	0.86%	$23.58
03/05/1990	03/07/1990	$0.051	0%	0.86%	$23.58
12/04/1989	01/02/1990	$0.020	0%	0.33%	$23.58
09/01/1989	09/06/1989	$0.046	0%	0.78%	$23.58
06/05/1989	06/07/1989	$0.046	0%	0.78%	$23.58
03/06/1989	03/08/1989	$0.046	0%	0.78%	$23.58
12/05/1988	12/07/1988	$0.012	0%	0.2%	$23.58
09/02/1988	09/07/1988	$0.042	0%	0.71%	$23.58
06/06/1988	06/08/1988	$0.042	0%	0.71%	$23.58
03/03/1988	03/07/1988	$0.042	0%	0.71%	$23.58
12/03/1987	12/07/1987	$0.042	0%	0.71%	$23.58
09/03/1987	09/07/1987	$0.037	0%	0.63%	$23.58
06/04/1987	06/08/1987	$0.037	0%	0.63%	$23.58
03/04/1987	03/06/1987	$0.037	0%	0.63%	$23.58
12/04/1986	12/08/1986	$0.037	0%	0.63%	$23.58
09/04/1986	09/08/1986	$0.034	0%	0.58%	$23.58
06/05/1986	06/09/1986	$0.034	0%	0.58%	$23.58
03/06/1986	03/10/1986	$0.034	0%	0.58%	$23.58
12/05/1985	12/09/1985	$0.034	0%	0.58%	$23.58
09/05/1985	09/09/1985	$0.031	0%	0.52%	$23.58
06/06/1985	06/10/1985	$0.031	0%	0.52%	$23.58
03/07/1985	03/11/1985	$0.031	0%	0.52%	$23.58
12/06/1984	12/10/1984	$0.025	0%	0.43%	$23.58

Projected Future Returns & Dividends for FFBC

Based on past 7.3-year performance, here are FFBC growth metrics:

Share price CAGR of +4.62%
Dividend CAGR of +5.02%

Using FFBC CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	FFBC (DRIP)	FFBC - No DRIP
Current Price	$32.78	$32.78
Start Shares	305.06	305.06
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	420.75	305.06
Dividends Payment	$0.42	$0.42
Annual Dividends	$714	$518
Yield on cost	7.14%	5.18%
Share Price	$51.47	$51.47
Total Dividends	$4,748	$3,994
Final Value	$21,658	$19,697

Estimated Future Value + Dividends - FFBC

NOTE: Above numbers are our estimate based on FFBC's Dividend and Price CAGR over past 7.3 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Combined 55% Lifetime Discount

Company Info

First Financial Bancorp. (FFBC) had its IPO on 1983-12-21, and is traded on NASDAQ stock exchange.

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.

FFBC website: https://www.bankatfirst.com

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Combined 55% Lifetime Discount

DCF Model — FFBC

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $32.78

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →