First Financial Bancorp. (FFBC)Financial Services | Banks - Regional | Cincinnati, United States | NasdaqGS
31.48 USD
+0.07
(0.223%)
⇧
(Oct. 16, 2026, 4 p.m.
EDT)
After hours: 31.48 |
Hot Take ↕ | Oct. 10, 2026, 7:35 a.m. EDT
The investment case here is a classic value trap waiting for a catalyst. Fundamentally, the business is sound with a 16.5% revenue growth rate, healthy operating margins near 40%, and a payout ratio of just 35%, leaving ample room for dividend increases. The 3.24% yield is attractive, but the market is pricing in significant risks regarding the recent acquisition of Finward and a reported revenue miss in Q2. The price-to-book ratio of 1.08x confirms the market views the stock as fairly valued, not cheap, despite the low P/E. The short-term outlook is murky; while the statistical model hints at a slight 1.44% upside over the next month, the heavy put writing suggests investors are bracing for volatility. Until the integration of the Finward deal shows clear accretion and the revenue miss is fully explained, the stock lacks the momentum to break out, making it a hold rather than a buy for the immediate future. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.063985 |
| AutoETS | 0.064996 |
| AutoARIMA | 0.065547 |
| AutoTheta | 0.070129 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 49% |
| H-stat | 4.77 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.658 |
| Excess Kurtosis | -0.36 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-08-31 |
| Last Dividend Date | 2026-08-31 |
| Revenue per Share | 9.546 |
| Market Cap | 3,310,654,720 |
| Trailing P/E | 11.12 |
| Forward P/E | 8.90 |
| Beta | 0.95 |
| Profit Margins | 29.93% |
| Website | https://www.bankatfirst.com |
As of Oct. 10, 2026, 7:35 a.m. EDT: Speculators are positioning defensively with heavy out-of-the-money put volume at the $15 strike, suggesting a fear of a significant drop to half current prices. Conversely, call activity is concentrated at the money ($30) and slightly out-of-the-money ($35), indicating a belief that the stock will trade sideways or drift upward rather than crash. The disparity between deep put volume and moderate call volume suggests a 'crash protection' strategy rather than a pure bullish bet.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 0.81% | 3.53% | 3.79% | 3.92% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-09-01 | 0.260000 | 0.811992 |
| 2026-06-01 | 0.250000 | 0.832778 |
| 2026-03-02 | 0.250000 | 0.886525 |
| 2025-12-01 | 0.250000 | 1.000801 |
| 2025-09-02 | 0.250000 | 0.951294 |
| 2025-06-02 | 0.240000 | 1.014370 |
| 2025-03-03 | 0.240000 | 0.884304 |
| 2024-12-02 | 0.240000 | 0.818833 |
| 2024-08-30 | 0.240000 | 0.906687 |
| 2024-06-03 | 0.230000 | 1.060396 |
| 2024-02-29 | 0.230000 | 1.059908 |
| 2023-11-30 | 0.230000 | 1.138051 |
| 2023-08-31 | 0.230000 | 1.106833 |
| 2023-05-31 | 0.230000 | 1.213080 |
| 2023-02-28 | 0.230000 | 0.933442 |
| 2022-11-30 | 0.230000 | 0.870223 |
| 2022-08-31 | 0.230000 | 1.065802 |
| 2022-05-31 | 0.230000 | 1.096282 |
| 2022-02-28 | 0.230000 | 0.935720 |
| 2021-11-30 | 0.230000 | 1.000000 |
| 2021-08-31 | 0.230000 | 0.978307 |
| 2021-05-28 | 0.230000 | 0.903023 |
| 2021-02-26 | 0.230000 | 1.025412 |
| 2020-11-30 | 0.230000 | 1.433022 |
| 2020-08-31 | 0.230000 | 1.676385 |
| 2020-05-29 | 0.230000 | 1.730625 |
| 2020-02-28 | 0.230000 | 1.116505 |
| 2019-11-29 | 0.230000 | 0.945724 |
| 2019-08-29 | 0.230000 | 0.991379 |
| 2019-05-31 | 0.220000 | 0.985663 |
| 2019-02-28 | 0.220000 | 0.793365 |
| 2018-11-30 | 0.200000 | 0.716332 |
| 2018-08-30 | 0.200000 | 0.642055 |
| 2018-05-31 | 0.190000 | 0.604134 |
| 2018-02-28 | 0.190000 | 0.698529 |
| 2017-11-30 | 0.170000 | 0.599647 |
| 2017-08-30 | 0.170000 | 0.712788 |
| 2017-05-31 | 0.170000 | 0.678643 |
| 2017-02-28 | 0.170000 | 0.612613 |
| 2016-11-30 | 0.160000 | 0.597015 |
| 2016-08-31 | 0.160000 | 0.733945 |
| 2016-05-27 | 0.160000 | 0.810948 |
| 2016-02-29 | 0.160000 | 0.954085 |
| 2015-12-02 | 0.160000 | 0.814664 |
| 2015-08-26 | 0.160000 | 0.886427 |
| 2015-05-27 | 0.160000 | 0.914808 |
| 2015-02-25 | 0.160000 | 0.911681 |
| 2014-11-25 | 0.160000 | 0.877193 |
| 2014-08-27 | 0.150000 | 0.903070 |
| 2014-05-28 | 0.150000 | 0.922509 |
| 2014-02-26 | 0.150000 | 0.887049 |
| 2013-11-26 | 0.150000 | 0.917431 |
| 2013-08-28 | 0.270000 | 1.783355 |
| 2013-05-29 | 0.240000 | 1.537476 |
| 2013-02-27 | 0.280000 | 1.834862 |
| 2012-11-28 | 0.280000 | 1.940402 |
| 2012-08-29 | 0.300000 | 1.819284 |
| 2012-05-30 | 0.290000 | 1.884340 |
| 2012-02-29 | 0.310000 | 1.893708 |
| 2011-11-30 | 0.270000 | 1.700252 |
| 2011-08-31 | 0.270000 | 1.690670 |
| 2011-06-01 | 0.120000 | 0.783801 |
| 2011-03-02 | 0.120000 | 0.724638 |
| 2010-12-15 | 0.100000 | 0.548546 |
| 2010-09-01 | 0.100000 | 0.625000 |
| 2010-06-02 | 0.100000 | 0.630120 |
| 2010-03-03 | 0.100000 | 0.564653 |
| 2009-12-02 | 0.100000 | 0.715308 |
| 2009-09-02 | 0.100000 | 1.257862 |
| 2009-06-03 | 0.100000 | 1.254705 |
| 2009-03-04 | 0.100000 | 1.501502 |
| 2008-12-03 | 0.170000 | 1.421405 |
| 2008-09-03 | 0.170000 | 1.378751 |
| 2008-05-30 | 0.170000 | 1.492537 |
| 2008-03-05 | 0.170000 | 1.528777 |
| 2007-12-05 | 0.170000 | 1.515151 |
| 2007-09-05 | 0.160000 | 1.232666 |
| 2007-05-30 | 0.160000 | 1.086219 |
| 2007-03-07 | 0.160000 | 1.050558 |
| 2006-12-06 | 0.160000 | 0.959808 |
| 2006-08-30 | 0.160000 | 1.022364 |
| 2006-06-08 | 0.160000 | 0.982801 |
| 2006-03-08 | 0.160000 | 1.003764 |
| 2005-11-29 | 0.160000 | 0.839895 |
| 2005-08-31 | 0.160000 | 0.888889 |
| 2005-06-01 | 0.160000 | 0.881543 |
| 2005-03-02 | 0.160000 | 0.867679 |
| 2004-12-01 | 0.150000 | 0.867052 |
| 2004-09-01 | 0.150000 | 0.836120 |
| 2004-06-02 | 0.150000 | 0.845070 |
| 2004-03-03 | 0.150000 | 0.802139 |
| 2003-12-03 | 0.150000 | 0.965251 |
| 2003-09-03 | 0.150000 | 0.987492 |
| 2003-06-04 | 0.150000 | 0.882353 |
| 2003-03-05 | 0.150000 | 0.949367 |
| 2002-12-04 | 0.150000 | 0.912964 |
| 2002-09-04 | 0.150000 | 0.818777 |
| 2002-06-05 | 0.150000 | 0.817439 |
| 2002-03-06 | 0.150000 | 0.937500 |
| 2001-12-05 | 0.150000 | 0.910747 |
| 2001-09-05 | 0.150000 | 0.897129 |
| 2001-05-30 | 0.150000 | 1.027397 |
| 2001-03-07 | 0.150000 | 0.960000 |
| 2000-12-06 | 0.142857 | 0.937499 |
| 2000-08-30 | 0.142857 | 0.869564 |
| 2000-05-31 | 0.142857 | 0.845070 |
| 2000-03-01 | 0.142857 | 0.759493 |
| 1999-12-01 | 0.142857 | 0.695652 |
| 1999-09-01 | 0.129870 | 0.699708 |
| 1999-06-02 | 0.129870 | 0.641711 |
| 1999-03-03 | 0.129870 | 0.638297 |
| 1998-12-02 | 0.129870 | 0.483870 |
| 1998-09-02 | 0.118064 | 0.582526 |
| 1998-06-03 | 0.118064 | 0.500001 |
| 1997-12-03 | 0.118064 | 0.621763 |
| 1997-09-03 | 0.091303 | 0.539537 |
| 1997-06-04 | 0.107331 | 0.789476 |
| 1997-03-05 | 0.107331 | 0.845073 |
| 1996-12-04 | 0.107331 | 0.975613 |
| 1996-10-02 | 0.097313 | 0.870399 |
| 1996-10-01 | 0.097573 | 0.879118 |
| 1996-09-04 | 0.097573 | 0.882350 |
| 1996-06-05 | 0.097573 | 0.916027 |
| 1996-03-06 | 0.097573 | 0.851061 |
| 1995-12-06 | 0.097573 | 0.888886 |
| 1995-09-06 | 0.084564 | 0.770374 |
| 1995-08-11 | 0.078059 | 0.690650 |
| 1995-06-06 | 0.078059 | 0.711114 |
| 1995-04-24 | 0.078059 | 0.705885 |
| 1995-03-06 | 0.067651 | 0.602900 |
| 1994-12-05 | 0.067651 | 0.670969 |
| 1994-09-02 | 0.070253 | 0.705884 |
| 1994-07-26 | 0.070253 | 0.687900 |
| 1994-06-06 | 0.070253 | 0.692310 |
| 1994-02-23 | 0.070253 | 0.677118 |
| 1993-12-06 | 0.064398 | 0.611107 |
| 1993-09-01 | 0.064398 | 0.619714 |
| 1993-05-28 | 0.064398 | 0.749995 |
| 1993-03-01 | 0.064398 | 0.804873 |
| 1992-12-03 | 0.058544 | 0.740741 |
| 1992-11-09 | 0.064398 | 0.741568 |
| 1992-09-03 | 0.064398 | 0.790414 |
| 1992-06-04 | 0.064398 | 0.797578 |
| 1992-03-02 | 0.058544 | 0.779221 |
| 1991-12-03 | 0.058544 | 0.833333 |
| 1991-09-03 | 0.064398 | 0.956516 |
| 1991-06-03 | 0.064398 | 1.015378 |
| 1991-03-04 | 0.064398 | 1.137924 |
| 1990-12-03 | 0.058544 | 1.176470 |
| 1990-08-31 | 0.058544 | 0.810811 |
| 1989-12-04 | 0.019515 | 0.212770 |
| 1988-12-05 | 0.011709 | 0.150003 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.29547322 |
| Address1 | 255 East Fifth Street |
| Address2 | Suite 900 |
| All Time High | 36.25 |
| All Time Low | 3.122347 |
| Ask | 40.17 |
| Ask Size | 2 |
| Audit Risk | 4 |
| Average Analyst Rating | 2.0 - Buy |
| Average Daily Volume10 Day | 828,350 |
| Average Daily Volume3 Month | 866,865 |
| Average Volume | 866,865 |
| Average Volume10Days | 828,350 |
| Beta | 0.946 |
| Bid | 22.99 |
| Bid Size | 2 |
| Board Risk | 4 |
| Book Value | 28.464 |
| City | Cincinnati |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 1 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 31.48 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 32.01 |
| Day Low | 31.31 |
| Dividend Date | 1,789,430,400 |
| Dividend Rate | 1.01 |
| Dividend Yield | 3.21 |
| Earnings Call Timestamp End | 1,793,217,600 |
| Earnings Call Timestamp Start | 1,793,217,600 |
| Earnings Growth | 0.0 |
| Earnings Quarterly Growth | 0.092 |
| Earnings Timestamp | 1,793,131,200 |
| Earnings Timestamp End | 1,793,131,200 |
| Earnings Timestamp Start | 1,793,131,200 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 3.7 |
| Enterprise Value | 3,525,507,328 |
| Eps Current Year | 3.21429 |
| Eps Forward | 3.53857 |
| Eps Trailing Twelve Months | 2.83 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,788,220,800 |
| Exchange | NMS |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 32.3506 |
| Fifty Day Average Change | -0.87060165 |
| Fifty Day Average Change Percent | -0.026911452 |
| Fifty Two Week Change Percent | 29.547321 |
| Fifty Two Week High | 36.25 |
| Fifty Two Week High Change | -4.7700005 |
| Fifty Two Week High Change Percent | -0.13158622 |
| Fifty Two Week Low | 23.06 |
| Fifty Two Week Low Change | 8.42 |
| Fifty Two Week Low Change Percent | 0.36513445 |
| Fifty Two Week Range | 23.06 - 36.25 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 440,865,000,000 |
| Five Year Avg Dividend Yield | 3.82 |
| Float Shares | 103,473,133 |
| Forward Eps | 3.53857 |
| Forward P E | 8.896249 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 2,371 |
| Fullday Change | 0.069999695 |
| Fullday Change Percent | 0.222858 |
| Fullday Price | 31.48 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.0 |
| Gross Profits | 952,892,992 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.01191 |
| Held Percent Institutions | 0.86551005 |
| Implied Shares Outstanding | 105,166,926 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Ir Website | http://www.snl.com/irweblinkx/stockinfo.aspx?iid=100255 |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Dividend Date | 1,788,220,800 |
| Last Dividend Value | 0.26 |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 983,923,200 |
| Last Split Factor | 105:100 |
| Long Business Summary | 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. |
| Long Name | First Financial Bancorp. |
| Market | us_market |
| Market Cap | 3,310,654,720 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_272004 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 285,216,992 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 3,277,130,306 |
| Number Of Analyst Opinions | 7 |
| Open | 31.44 |
| Operating Cashflow | 792,280,000 |
| Operating Margins | 0.39804 |
| Overall Risk | 4 |
| Payout Ratio | 0.3534 |
| Peg Ratio | 1.12 |
| Phone | 877-322-9530 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 31.48 |
| Post Market Time | 1,792,180,855 |
| Previous Close | 31.41 |
| Price Eps Current Year | 9.793765 |
| Price Hint | 2 |
| Price To Book | 1.1059583 |
| Price To Sales Trailing12 Months | 3.4743195 |
| Profit Margins | 0.29931998 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.0 |
| Region | US |
| Regular Market Change | 0.069999695 |
| Regular Market Change Percent | 0.222858 |
| Regular Market Day High | 32.01 |
| Regular Market Day Low | 31.31 |
| Regular Market Day Range | 31.31 - 32.01 |
| Regular Market Open | 31.44 |
| Regular Market Previous Close | 31.41 |
| Regular Market Price | 31.48 |
| Regular Market Time | 1,792,180,802 |
| Regular Market Volume | 698,568 |
| Return On Assets | 0.013890001 |
| Return On Equity | 0.10286 |
| Revenue Growth | 0.165 |
| Revenue Per Share | 9.546 |
| Sand P52 Week Change | 0.13723719 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 7 |
| Shares Outstanding | 105,166,926 |
| Shares Percent Shares Out | 0.065799996 |
| Shares Short | 6,923,219 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 5,505,098 |
| Short Name | First Financial Bancorp. |
| Short Percent Of Float | 0.0766 |
| Short Ratio | 7.48 |
| Source Interval | 15 |
| State | OH |
| Symbol | FFBC |
| Target High Price | 40.0 |
| Target Low Price | 36.0 |
| Target Mean Price | 38.0 |
| Target Median Price | 38.0 |
| Total Cash | 1,341,366,016 |
| Total Cash Per Share | 12.779 |
| Total Debt | 1,562,450,944 |
| Total Revenue | 952,892,992 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 1.0 |
| Trailing Annual Dividend Yield | 0.031836994 |
| Trailing Eps | 2.83 |
| Trailing P E | 11.123675 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 30.65135 |
| Two Hundred Day Average Change | 0.8286495 |
| Two Hundred Day Average Change Percent | 0.027034683 |
| Type Disp | Equity |
| Volume | 698,568 |
| Website | https://www.bankatfirst.com |
| Zip | 45,202 |