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Cincinnati-based regional bank offering commercial, retail and wealth-management banking across Ohio, Indiana and Kentucky.
Cincinnati-based regional bank offering commercial, retail and wealth-management banking across Ohio, Indiana and Kentucky.
Earns mainly from the gap between loan interest and deposit costs, with commercial lending the larger book and fees from wealth management and equipment finance alongside. Acquisitions of community banks built the Ohio, Indiana and Kentucky footprint.
Moat: narrow (scale, distribution). Established tri-state branch franchise built through community-bank acquisitions.
Headquarters: Cincinnati, Ohio, US · Founded: 1863 · Employees: 2,199
Size First Financial Bancorp (FFBC) is a United States Financials company (Regional Banks) with a market value of $3.43B, the 1448th largest of 3,117 United States companies the cockpit tracks. Shares closed at $32.57 on 6 Nov 2026.
Performance Over six months the shares gained 6.4%, against +2.4% for the median peer and -1.1% for the United States market (cap-weighted) — 5th highest of 21 in its peer set.
Growth Revenue grew 13.2% over the last twelve months (peer median +1.3%); the operating margin is 35.0% (peer median 36.8%).
Valuation It trades at 1.19× book value against a peer median of 1.10× (9th most expensive of 21).
Price implies The share price implies a return on equity of about 10.9%; First Financial Bancorp delivers 10.7%, so the price asks more than the business earns today.
Short interest Short interest is 6.4% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.42B | $1.26B | $1.23B | $1.12B | $775M |
| Revenue growth | — | +3% | +10% | +44% | — |
| Net income | $294M | $256M | $229M | $256M | $218M |
| Free cash flow | n/a | $317M | $241M | $454M | $187M |
| Capital expenditure | n/a | $20.9M | $21.1M | $24.1M | $13.8M |
| Total debt | $1.02B | $1.25B | $1.16B | $1.36B | $1.72B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| First Financial Bancorp FFBC | $3.43B | +6% | +13% | 11% | 1.19× | 10.9% |
| WesBanco WSBC | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% |
| Peoples Bancorp PEBO | $1.39B | +12% | 0% | 10% | 1.13× | 8.5% |
| First Commonwealth Financial FCF | $2.03B | +13% | +4% | 11% | 1.37× | 10.4% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | FFBC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +4.4% | +1.4% | 7th highest of 21 |
| 6-month return | +6.4% | +2.4% | 5th highest of 21 |
| Return on equity | 10.7% | 8.8% | 7th highest of 21 |
| Price / book | 1.19× | 1.10× | 9th most expensive of 21 |
| Trailing P/E | 11.4× | 11.5× | 10th cheapest of 19 |
| ROE the price implies | 10.9% | 9.0% | 7th most demanding of 20 |
| ROE delivered | 10.7% | 9.2% | 7th highest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| First Financial Bancorp FFBC | United States | $3.43B | +6% | +13% | 11% | 1.19× | 10.9% | 10.7% |
| Mechanics Bancorp MCHB | United States | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% | 10.2% |
| Nishi-Nippon Financial 7189.T | Japan | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% | 7.8% |
| Taichung Commercial Bank 2812.TW | Taiwan | $3.38B | -12% | -13% | 11% | 1.16× | 3.9% | 11.2% |
| Jiangsu Changshu Rural Commercial Bank 601128.SS | China | $3.48B | -4% | -1% | 14% | 0.67× | 2.5% | 13.8% |
| TowneBank TOWN | United States | $3.36B | +4% | +36% | 13% | 1.08× | 9.0% | 12.9% |
| First Interstate BancSystem FIBK | United States | $3.50B | +4% | -4% | 10% | 1.12× | 9.0% | 9.5% |
| Yamaguchi Financial 8418.T | Japan | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% | 5.7% |
| Renasant RNST | United States | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% | 8.7% |
| Twenty One Capital XXI | United States | $3.57B | -36% | n/a | -12% | 1.38× | 7.6% | n/a |
| Seacoast Banking Corporation of Florida SBCF | United States | $3.24B | +8% | +29% | 7% | 1.25× | 10.9% | 6.8% |
| Bank of Guiyang 601997.SS | China | $3.20B | -3% | -5% | 7% | 0.32× | 2.0% | 6.9% |
| WesBanco WSBC | United States | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% | 8.8% |
| UCO Bank UCOBANK.NS | India | $3.17B | -13% | +1% | 9% | 0.86× | 13.6% | n/a |
| Walliser Kantonalbank WKBN.SW | Switzerland | $3.15B | +4% | -12% | 5% | 1.50× | n/a | 5.3% |
| Chugin Financial Group,Inc 5832.T | Japan | $3.76B | +10% | +34% | 8% | 0.86× | 6.5% | 8.3% |
| EQB EQB.TO | Canada | $3.79B | +3% | -4% | 0% | 1.44× | 12.8% | -0.1% |
| Karur Vysya Bank KARURVYSYA.NS | India | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% | 21.0% |
| First Hawaiian FHB | United States | $3.04B | -9% | +1% | 10% | 1.08× | 9.3% | 9.9% |
| BancFirst BANF | United States | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% | 13.6% |
| Cembra Money Bank CMBN.SW | Switzerland | $3.03B | -9% | -3% | 15% | 1.93× | 4.1% | 14.7% |