What is First Financial Bancorp.'s (FFBC) StockRank?

MoatMap's StockRank for First Financial Bancorp. (FFBC) is 58/100, with a Hold signal. This is a composite score combining Quality (45), Value (52), and Momentum (55) factor ranks across MoatMap's universe of 25,000+ stocks.

Does First Financial Bancorp. have an economic moat?

First Financial Bancorp. (FFBC) has a Quality factor score of 45/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is First Financial Bancorp. a buy, hold, or sell?

MoatMap's current signal for First Financial Bancorp. (FFBC) is Hold, based on a StockRank of 58/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is First Financial Bancorp. in?

First Financial Bancorp. (FFBC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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FFBC

HoldSecond WindFLAG

First Financial Bancorp. · Financial Services · United States · $3.4B · Avg Vol: $22M/d

StockRank

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P/E (TTM)

11.7x

ROE

10.3%

D/E

0.4x

Dividend %

3.0%

AI CONVICTION THESIS

First Financial Bancorp has strong momentum at M80 but quality Q45 and value V49 are both below the calibrated floor, and insiders were net sellers, so stage one fails.

COMPANY DESCRIPTION

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.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	708.8M	840.2M	835.6M	899.5M	8.3%	952.9M	1.1B	1.2B	15.8%
EPS	2.33	2.72	2.42	2.68	4.8%	2.83	2.93	3.18	9.0%
Shares	94.9M	95.1M	95.5M	98.5M	+3.8%	105.0M	—	—	—
Debt	1.6B	1.3B	1.1B	1.2B	-10.0%	1.6B	—	—	—
Equity	2.0B	2.3B	2.4B	2.8B	10.7%	—	—	—	—
Op CF	200.8M	487.0M	262.2M	337.9M	18.9%	792.3M	—	—	—
Inv CF	-883.1M	-701.3M	-1.0B	-546.7M	—	—	—	—	—
Fin CF	669.7M	219.9M	699.1M	213.2M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-3.7%

SMA 50SMA 200

$32.53

RSI (14)

47.6

52W High

$35.96

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.4%*47.4

ROE

10.3%52.0

GP/Assets

4.5%N/A

Op. Margin

39.8%57.6

FCF/Assets

3.8%N/A

Piotroski

321.0

Int. Cover

—50.0

D/E Ratio

0.43xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

11.7x58.6

EV/EBITDA

bankN/A

P/FCF

4.3xN/A

P/B

1.2x51.2

P/S

3.6x50.2

Div Yield

3.0%42.5

Momentum

52W High %

90%47.7

RS 6M

10%71.6

SMA 50/200

1.14x82.9

EPS Rev 4W

0.0%27.7

EPS Rev 12W

+1.5%60.7

EPS Improve

+23%53.6

Q Growth

9%38.8

FUNDAMENTALS

Market Cap

$3.4B

P/E (Forward)

9.5x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FFBC are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
FFBC	First Financial Bancorp.(you)	$3.4B	58	Hold
MCHB	Mechanics Bancorp	$3.5B	60	Hold
FIBK	First Interstate BancSystem, Inc.	$3.5B	62	Hold
FHB	First Hawaiian, Inc.	$3.1B	60	Hold
PRK	Park National Corporation	$3.6B	54	Hold
RNST	Renasant Corporation	$3.8B	61	Hold
NIC	Nicolet Bankshares, Inc.	$3.6B	53	Hold
WAFD	WaFd, Inc.	$2.7B	57	Hold
INDB	Independent Bank Corp.	$3.9B	54	Hold
IBOC	International Bancshares Corporation	$4.4B	60	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$32.53
Market Cap	$3.4B
P/E (TTM)	11.65
P/E (Forward)	9.48
Price/Book	1.16
Return on Equity	10.3%
Debt/Equity	0.43x
Operating Margin	39.8%
Revenue Growth	16.5%
Dividend Yield	3.0%
Free Cash Flow	$800M