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ISIN
US3202091092
CUSIP
320209109
IPO Date
Mar 26, 1990

Highlights

EPS (TTM)
$2.67
PE Ratio
11.41
PEG Ratio
1.85
Total Revenue (TTM)
$1.26B
Gross Profit (TTM)
$861.82M
EBITDA (TTM)
$343.36M
Year Range
$22.93 - $31.38
Target Price
$30.25
ROA (TTM)
1.12%
ROE (TTM)
8.69%

Share Price Chart


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First Financial Bancorp.

Performance

FFBC Performance Chart

First Financial Bancorp. (FFBC) is up 23.8% since the beginning of the year. At $30 per share, FFBC is trading just below its 52-week high of $31. Investors who bought $1,000 worth of FFBC shares 5 years ago would now be looking at an investment worth $1,449.


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S&P 500 Index

Returns By Period

First Financial Bancorp. (FFBC) has returned 23.84% so far this year and 33.55% over the past 12 months. Over the last ten years, FFBC has returned 8.40% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.


First Financial Bancorp.

1D
1.47%
1M
0.99%
YTD
23.84%
6M
23.40%
1Y
33.55%
3Y*
17.94%
5Y*
7.70%
10Y*
8.40%

Benchmark (S&P 500 Index)

1D
0.13%
1M
5.25%
YTD
11.16%
6M
11.43%
1Y
28.20%
3Y*
21.12%
5Y*
12.66%
10Y*
13.75%
*Multi-year figures are annualized to reflect compound growth (CAGR)

FFBC Monthly Returns History

Based on dividend-adjusted daily data since Mar 26, 1990, FFBC's average daily return is +0.05%, while the average monthly return is +0.81%. At this rate, an investment would double in approximately 7.2 years.

Historically, 55% of months were positive and 45% were negative. The best month was Sep 2009 with a return of +44.5%, while the worst month was Jan 2009 at -34.5%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 5 months.

On a daily basis, FFBC closed higher 46% of trading days. The best single day was Sep 21, 2009 with a return of +23.8%, while the worst single day was Mar 9, 2020 at -19.7%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
202614.87%-2.33%0.22%8.61%1.59%-0.16%23.84%
20254.24%-2.18%-8.06%-7.33%4.36%1.42%-0.08%9.24%-3.74%-7.29%6.28%1.58%-3.28%
2024-5.60%-2.17%3.32%-1.38%0.86%0.68%23.13%-2.37%-4.68%1.39%15.44%-8.23%17.60%
20234.54%-1.82%-11.65%-4.92%-7.32%7.81%12.96%-9.00%-5.68%-5.61%10.48%17.52%2.36%
20223.40%-1.60%-6.22%-11.28%3.71%-7.53%15.15%-2.38%-2.32%23.67%2.28%-8.32%3.38%
20214.51%23.66%7.00%2.13%4.86%-7.22%-4.78%5.52%-0.43%1.58%-2.32%6.00%44.56%

Benchmark Metrics

First Financial Bancorp. has an annualized alpha of 2.85%, beta of 0.96, and R2 of 0.22 versus S&P 500 Index. Calculated based on daily prices since March 27, 1990.

  • This stock participated in 73.05% of S&P 500 Index downside but only 64.56% of its upside - more exposed to losses than it benefited from rallies.
  • R2 of 0.22 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
2.85%
Beta
0.96
0.22
Upside Capture
64.56%
Downside Capture
73.05%

Return for Risk

Risk / Return Rank

FFBC ranks 75 for risk / return — better than 75% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


FFBC Risk / Return Rank: 7575
Overall Rank
FFBC Sharpe Ratio Rank: 7878
Sharpe Ratio Rank
FFBC Sortino Ratio Rank: 7373
Sortino Ratio Rank
FFBC Omega Ratio Rank: 7272
Omega Ratio Rank
FFBC Calmar Ratio Rank: 7777
Calmar Ratio Rank
FFBC Martin Ratio Rank: 7676
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for First Financial Bancorp. (FFBC) and compare them to S&P 500 Index.


FFBCBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

1.31

2.39

-1.08

Sortino ratio

Return per unit of downside risk

1.93

3.25

-1.32

Omega ratio

Gain probability vs. loss probability

1.25

1.43

-0.19

Calmar ratio

Return relative to maximum drawdown

2.38

3.11

-0.74

Martin ratio

Return relative to average drawdown

5.53

14.38

-8.86

Dividends

Dividend History

First Financial Bancorp. provided a 3.28% dividend yield over the last twelve months, with an annual payout of $1.00 per share. The company has been increasing its dividends for 11 consecutive years.


2.00%2.50%3.00%3.50%4.00%4.50%5.00%5.50%$0.00$0.20$0.40$0.60$0.80$1.0020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$1.00$0.98$0.94$0.92$0.92$0.92$0.92$0.90$0.78$0.68$0.64$0.64

Dividend yield

3.28%3.92%3.50%3.87%3.80%3.77%5.25%3.54%3.29%2.58%2.25%3.54%

Monthly Dividends

The table displays the monthly dividend distributions for First Financial Bancorp.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.00$0.25$0.00$0.00$0.25$0.50
2025$0.00$0.00$0.24$0.00$0.00$0.24$0.00$0.00$0.25$0.00$0.00$0.25$0.98
2024$0.00$0.23$0.00$0.00$0.00$0.23$0.00$0.24$0.00$0.00$0.00$0.24$0.94
2023$0.00$0.23$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.92
2022$0.00$0.23$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.92
2021$0.00$0.23$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.92

Dividend Yield & Payout


Dividend Yield

First Financial Bancorp. has a dividend yield of 3.28%, which is quite average when compared to the overall market.

Payout Ratio

First Financial Bancorp. has a payout ratio of 37.03%, which is quite average when compared to the overall market. This suggests that First Financial Bancorp. strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the First Financial Bancorp.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the First Financial Bancorp. was 73.93%, occurring on Mar 9, 2009. Recovery took 283 trading sessions.

The current First Financial Bancorp. drawdown is 1.41%.


Related event

Drawdown

Fall

Recovery

Underwater

Financial crisis2007–2009
-73.93%Mar 2009
10y 3mo1y 1mo
11y 4moDec 1998 - Apr 2010
2020 bear market2020
-63.49%May 2020
1y 11mo4y 2mo
6y 1moJun 2018 - Jul 2024
1991 bear market1991
-56.64%Jan 1991
9mo 23d1y 8mo
2y 6moMar 1990 - Oct 1992
2011 bear market2011
-34.25%Sep 2011
1y 4mo2y 3mo
3y 8moApr 2010 - Dec 2013
2016 bear market2016
-27.46%Jan 2016
2mo 17d5mo 21d
8mo 8dNov 2015 - Jul 2016

Drawdown Indicators


FFBCBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-73.93%

-56.78%

-17.15%

Max Drawdown (1Y)

Largest decline over 1 year

-14.19%

-9.10%

-5.09%

Max Drawdown (3Y)

Largest decline over 3 years

-26.88%

-18.90%

-7.98%

Max Drawdown (5Y)

Largest decline over 5 years

-32.77%

-25.43%

-7.34%

Max Drawdown (10Y)

Largest decline over 10 years

-63.49%

-33.92%

-29.57%

Current Drawdown

Current decline from peak

-1.41%

0.00%

-1.41%

Average Drawdown

Average peak-to-trough decline

-22.47%

-10.72%

-11.75%

Ulcer Index

Depth and duration of drawdowns from previous peaks

6.09%

1.97%

+4.12%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of First Financial Bancorp. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how First Financial Bancorp. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for FFBC, comparing it with other companies in the Banks - Regional industry. Currently, FFBC has a P/E ratio of 11.4. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for FFBC compared to other companies in the Banks - Regional industry. FFBC currently has a PEG ratio of 1.8. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for FFBC relative to other companies in the Banks - Regional industry. Currently, FFBC has a P/S ratio of 2.3. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
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