First Financial Bancorp. (FFBC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 646 | 624 | 709 | 840 | 836 | 899 | 968 | - |
| Operating profit | $m | 321 | 358 | ||||||
| Net profit | $m | 156 | 205 | 218 | 256 | 229 | 256 | 285 | 294 |
| EPS reported | $ | 2.66 | 2.83 | ||||||
| Operating cashflow per share | $ | 3.56 | 7.64 | ||||||
| Capex per share | $ | 0.22 | 0.22 | ||||||
| FCF per share | $ | 3.34 | 7.42 | ||||||
| Free cash flow | $m | 317 | 769 | ||||||
| Net debt | $m | -2,961 | -4,915 | ||||||
| Book value equity | $m | 2,769 | 2,987 | ||||||
| Book value per share | $ | 28.92 | 28.55 | ||||||
| Number of shares | m | 95.75 | 104.62 | ||||||
| DPS (TTM paid) | $ | 0.98 | 1.01 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.41 | 11.28 | ||||||
| P/B LTM | x | 0.86 | 0.79 | ||||||
| P/S LTM | x | 2.64 | 2.45 | ||||||
| P/FCF LTM | x | 7.49 | 3.09 | ||||||
| EV/EBITDA LTM | x | 9.86 | 8.26 | ||||||
| EV/Sales LTM | x | 2.69 | 2.83 | ||||||
| Earnings Yield LTM | % | +10.63% | +8.87% | ||||||
| FCF Yield | % | +13.36% | +32.40% | ||||||
| Quality | |||||||||
| ROE | % | +9.23% | +10.07% | ||||||
| ROIC | % | +5.43% | +7.49% | ||||||
| Operating margin | % | +25.51% | +26.86% | ||||||
| Gross margin | % | +68.43% | +69.76% | ||||||
| FCF/Sales | % | +25.18% | +57.73% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +10.83% | +17.92% | ||||||
| Sales Growth YoY | % | +7.65% | +15.84% | ||||||
| Net Income Growth YoY | % | +11.70% | +24.64% | ||||||
| FCF Growth | % | +31.53% | +219.05% | ||||||
| Operating Profit Growth | % | +19.73% | +33.35% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.99% | +2.91% | ||||||
| Dividend Growth | % | +4.26% | +7.45% | ||||||
| Payout Ratio | % | +37.16% | +35.61% | ||||||
| FCF/Debt | x | 0.27 | 0.81 | ||||||
| Net Debt/EBITDA | x | 2.94 | 0.40 | ||||||
| EBIT/Net interest | x | 0.89 | 0.98 | ||||||
| Net debt/market cap | % | +50.08% | +26.40% | ||||||
| Net debt/Equity | x | -1.07 | -1.65 | ||||||
| Gross debt/equity | x | 0.43 | 0.32 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Financial Bancorp. (FFBC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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