FFBC · First Financial Bancorp /Oh/
Market Cap
$3.44B
Shares
104.97M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$32.73
Open$32.49
Day$32.22–32.81
52W close$23.26–36.18
Avg vol 30d918K
Short int5.3M · 5.1% float · 8.7d
Short vol65%
Last earningsJul 22, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 20, 2026
Est · unconfirmed
· in 7 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.4 · calm
Equity put/call 0.39
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+11%
above
Price vs 50-day avg
−3%
below
RSI (14)
38
neutral
MACD trend
Negative
52-week position
73%
mid-range
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+20%
trailing
YTD return
+31%
this year
Relative strength
+5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $34 › 200d $30 — 50d above 200d
Institutional flow
Accumulating
+7% holders QoQ · +50 funds added
Insider flow
Distributing
Net -$1.1M over 90 days · 100% sells
Short interest
Falling
5.06% of float · ▼ -2.9% MoM · 8.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
323 holders — near 3-yr high, broad support
Squeeze score
57
elevated · 0–100
Fundamentals
Revenue growth
+18%
Y/Y
EPS growth
+11%
Y/Y
Free cash flow
$317.1M
Valuation
P/E 11.6
below peers
Balance sheet
$1.0B
net debt
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
1.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
next quarter
Net interest margin
3.96% – 4.01%
third quarter
Total fee income
$74M – $77M
Non-interest expenses
$149M – $152M
Prior guidance
period ended
· from the 8-K filed Oct 23, 2025
Total noninterest expense
· 4Q25
$142M – $144M
Total fee income
· 4Q25
$77M – $79M
Net Interest Margin (FTE)
· 4Q25
3.92% – 3.97%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+11%
Bullish
Price vs 50-day avg
−3%
Neutral
RSI (14)
38
Neutral
MACD trend
Negative
Bearish
52-week position
73%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $34 › 200d $30 — 50d above 200d
Institutional flow
Accumulating
+7% holders QoQ · +50 funds added
Insider flow
Distributing
Net -$1.1M over 90 days · 100% sells
Short interest
Falling
5.06% of float · ▼ -2.9% MoM · 8.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
323 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $23
Now $33 · 73%
Range high $36
vs 200-day avg +11%
vs 50-day avg -3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL to total loans | 1.38% | Q2 FY2026 | — |
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| Adjusted efficiency ratio non-GAAP | 56.8% | Q2 FY2026 | — |
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| Adjusted noninterest expenses non-GAAP | $149.1M | Q2 FY2026 | — |
| Annualized loan growth | 7.1% | Q2 FY2026 | — |
| Assets under management | 4.6B | as of June 30, 2026 | — |
| Finward assets under management | $412M | Q2 FY2026 | — |
| Finward locations | 24 | Q2 FY2026 | — |
| Full service banking centers | 151 | as of June 30, 2026 | — |
| Loan growth | $240M | Q2 FY2026 | — |
| Net charge-offs | 0.2% | Q2 FY2026 | — |
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| Net interest margin on FTE basis non-GAAP | 3.98% | Q2 FY2026 | — |
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| Tangible common equity non-GAAP | 8.2% | the quarter | — |
| Tier 1 common equity | 12.33% | Q2 FY2026 | — |
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| Total Allowance for Credit Losses | $208.2M | Q2 2026 | — |
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| Total capital ratio | 15.75% | Q2 FY2026 | — |
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| Adjusted effective tax rate non-GAAP | 21% | 1Q 2026 | — |
| Adjusted EPS non-GAAP | $0.77 | Q1 FY2026 | — |
| Adjusted net income non-GAAP | $80.5M | 1Q 2026 | — |
| Adjusted noninterest expense non-GAAP | $154.8M | 1Q 2026 | — |
| Adjusted noninterest income non-GAAP | $75.6M | 1Q 2026 | — |
| Adjusted pre-tax, pre-provision return on assets non-GAAP | 1.99% | 1Q 2026 | — |
| Adjusted return on average assets non-GAAP | 1.45% | Q1 FY2026 | — |
| Adjusted return on average shareholders' equity non-GAAP | 11.07% | 1Q 2026 | — |
| Adjusted return on average tangible common equity non-GAAP | 19.22% | Q1 2026 | — |
| Adjusted return on average tangible shareholders' equity non-GAAP | 19.22% | 1Q26 | — |
| Adjusted tangible common equity ratio non-GAAP | 8.89% | Q1 2026 | — |
| Adjusted uninsured deposits | $5.07B | 1Q 2026 | — |
| Adjusted uninsured deposits to total deposits | 28.3% | 1Q 2026 | — |
| Allowance for credit losses to Nonaccrual loans | 182.73% | Mar. 31, 2026 | — |
| Authorized share repurchase plan | 5,000,000 | 1Q 2026 | — |
| Average deposits | $17.6B | 1Q 2026 | — |
| Average shareholders' equity to average assets | 13.12% | Mar. 31, 2026 | — |
| Average tangible shareholders' equity to average tangible assets non-GAAP | 8.01% | Mar. 31, 2026 | — |
| Borrowing capacity as a % of adjusted uninsured deposits | 126.2% | 1Q 2026 | — |
| Classified Assets | $213.4M | 1Q26 | — |
| Classified assets to total assets | 1.02% | Q1 FY2026 | — |
| Dividends declared per share | $0.25 | 1Q 2026 | — |
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| Effective tax rate | 20.4% | 1Q 2026 | — |
| Efficiency ratio | 62.4% | Q1 2026 | — |
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| Ending shareholders' equity to ending assets | 12.92% | Mar. 31, 2026 | — |
| Ending tangible common equity as a percent of ending tangible assets | 7.88% | 1Q26 | — |
| EOP loans | $13.5B | 1Q 2026 | — |
| Foreign exchange income | $16.3M | 1Q 2026 | — |
| Full-time equivalent employees | 2,319 | 1Q 2026 | — |
| Leasing business income | $21.6M | 1Q 2026 | — |
| Leverage ratio | 9.39% | Mar. 31, 2026 | — |
| NCOs / Average Loans | 0.35% | 1Q 2026 | — |
| Net Charge Offs | $11.6M | 1Q26 | — |
| Net interest margin (GAAP) | 3.97% | 1Q 2026 | — |
| Nonperforming Assets / Total Assets | 0.36% | 1Q26 | — |
| Nonperforming assets to Ending loans, plus OREO | 0.75% | Mar. 31, 2026 | — |
| Nonperforming assets to total assets | 0.44% | Q1 FY2026 | — |
| Pre-tax, pre-provision return on assets | 1.84% | 1Q 2026 | — |
| Provision expense | $8.5M | 1Q 2026 | — |
| Return on average assets | 1.34% | 1Q 2026 | — |
| Return on average shareholders' equity | 10.24% | 1Q 2026 | — |
| Return on average tangible common equity | 17.78% | 1Q 2026 | — |
| Return on average tangible shareholders' equity | 17.78% | 1Q26 | — |
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| Risk Weighted Assets | $16.11B | 1Q26 | — |
| Tangible book value per share | $16.15 | Q1 2026 | — |
| Tangible common equity ratio | 7.88% | 1Q 2026 | — |
| Total net charge-offs | 0.35% | Three Months Ended Mar. 31, 2026 | — |
| Uninsured deposits | $7.39B | 1Q 2026 | — |
| Wealth management income | $10.5M | 1Q 2026 | — |
| Ending tangible shareholders' equity as a percent of ending tangible assets non-GAAP | 7.79% | As of Dec. 31, 2025 | — |
| Net interest margin | 3.95% | Twelve months ended Dec. 31, 2025 | — |
| Nonaccrual loans to total loans | 0.76% | As of Dec. 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FFBC
this stock
First Financial Bancorp /Oh/
|
$3.44B | +30.8% | +18.3% | 11.6 | 5.1% |
|
MFG
Mizuho Financial Group Inc
|
$126.83B | +42.6% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -36.8% | +15.2% | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$110.04B | +26.1% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$107.15B | +0.2% | — | — | 0.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FFBC | -0.7% | -3.1% | +20.1% | -3.3% | +30.8% |
| SPY | +1.1% | +4.0% | +14.7% | +3.2% | +13.1% |
| vs SPY | -1.8% | -7.1% | +5.4% | -6.5% | +17.7% |
Capital returns
Latest dividend
$0.25
/ share · ex Jun 1, 2026
Declared · upcoming
$0.26
/ share · ex Sep 1, 2026
Paid (TTM)
$1.00
/ share · 4 payouts
Dividend yield (TTM, derived)
3.06%
Buyback program
· as of Dec 31, 2020
Authorized
shares 5.00M
Spent (derived)
shares 3.63M
Remaining
shares 1.37M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
708955
CUSIP
320209109
13F (30d)
254 filings
254 filers
Visit website
Investor relations