FFBC
First Financial Bancorp /Oh/
$34.47
+0.46 (+1.35%)
At close · Jul 10
Market Cap
$3.62B
Shares
104,929,374
Price & Indicators
Indicators
Price
Panels
Event markers
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$34.47
Open$34.01
Day$34.01–34.52
52W$22.63–35.00
Avg vol 30d1.0M
Short int4.6M · 4.3% float · 3.7d
Short vol86%
Last earningsApr 23, 2026
DataJan 2020–Jul 2026
Filing10-Q · May 8
Up next
Next earnings call
Jul 23, 2026
Est · unconfirmed
· in 2 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 8, 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
Equibles Rating
blended score · not investment advice
Overall
Strong Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Low
Market backdrop
VIX 15 · calm
Equity put/call 0.55
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+23%
above
Price vs 50-day avg
+9%
above
RSI (14)
65
neutral
MACD trend
Positive
52-week position
96%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+9%
trailing
6-month return
+30%
trailing
YTD return
+39%
this year
Relative strength
+21%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $32 › 200d $28 — 50d above 200d
Institutional flow
Accumulating
9 of 301 funds reported for Jun 30 · net +132.5K sh shares · +1 new
Insider flow
Distributing
Net -$1.3M over 90 days · 100% sells
Short interest
Rising
4.35% of float · ▲ +17.5% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
301 holders — near 3-yr high, broad support
Squeeze score
70
high risk · 0–100
Fundamentals
Revenue growth
+18%
Y/Y
EPS growth
+11%
Y/Y
Free cash flow
$317.1M
Valuation
P/E 12.2
below peers
Balance sheet
$514.1M
net debt
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.0%
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.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+23%
Bullish
Price vs 50-day avg
+9%
Bullish
RSI (14)
65
Neutral
MACD trend
Positive
Bullish
52-week position
96%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $32 › 200d $28 — 50d above 200d
Institutional flow
Accumulating
9 of 301 funds reported for Jun 30 · net +132.5K sh shares · +1 new
Insider flow
Distributing
Net -$1.3M over 90 days · 100% sells
Short interest
Rising
4.35% of float · ▲ +17.5% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
301 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $23
Now $34 · 96%
52-wk high $35
vs 200-day avg +23%
vs 50-day avg +9%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL to total loans | 1.36% | Q1 2026 | — |
|
|
|||
| Classified assets ratio | 1.02% | Q1 2026 | — |
| Foreign exchange income | $16.3M | Q1 2026 | — |
| Leasing business income | $21.6M | Q1 2026 | — |
| Nonperforming assets ratio | 0.44% | Q1 2026 | — |
| Share repurchase authorization | 5,000,000 | April 21, 2026 | — |
| Tier 1 common equity ratio | 12.23% | Q1 2026 | — |
| Total Allowance for Credit Losses | $206.7M | Q1 2026 | — |
|
|
|||
| Total capital ratio | 15.71% | Q1 2026 | — |
|
|
|||
| Wealth management income | $10.5M | Q1 2026 | — |
| ACL coverage ratio | 1.36% | Q1 2026 call | — |
| adjusted earnings per share non-GAAP | $0.77 | Q1 2026 call | — |
| adjusted net income non-GAAP | $80.5M | Q1 2026 call | — |
| adjusted return on assets non-GAAP | 1.45% | Q1 2026 call | — |
| adjusted return on tangible common equity non-GAAP | 19.2% | Q1 2026 call | — |
| average deposit balances increase | $1.7B | Q1 2026 call | — |
| BankFinancial acquired deposits | $1.2B | Q1 2026 call | — |
| bargain purchase gain | $8.9M | Q1 2026 call | — |
| classified assets as % of total assets | 1.02% | Q1 2026 call | — |
| end-of-period loan balances change | $71M | Q1 2026 call | — |
| loan balances change absent acquisition (annualized) | -4.7% | Q1 2026 call | — |
| loans acquired in BankFinancial transaction | $228M | Q1 2026 call | — |
| NDFI balances as % of total loan book | 3% | Q1 2026 call | — |
| net charge-offs | 35 | Q1 2026 call | — |
| net interest margin | 3.99% | Q1 2026 call | — |
|
|
|||
| noninterest income (adjusted) non-GAAP | $75.6M | Q1 2026 call | — |
| noninterest-bearing deposits as % of total deposits | 20% | Q1 2026 call | — |
| nonperforming assets to total assets | 44 | Q1 2026 call | — |
| NPAs to total assets | 44 | Q1 2026 call | — |
| pretax pre-provision ROA non-GAAP | 1.99% | Q1 2026 call | — |
| tangible book value per share | $16.15 | Q1 2026 call | — |
| total ACL | $207M | Q1 2026 call | — |
| Adjusted efficiency ratio non-GAAP | 56.5% | Q4 2025 | — |
| Adjusted noninterest expenses non-GAAP | $141.9M | Q4 2025 | — |
| Classified assets | 1.11% | Q4 2025 | — |
| Efficiency ratio | 62.6% | Q4 2025 | — |
| Nonperforming assets | 0.48% | Q4 2025 | — |
| Quarterly provision expense | $10.1M | Q4 2025 | — |
| Tier 1 common equity | 11.32% | Q4 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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/
|
$3.62B | +39.0% | +62.5% | 12.2 | 4.3% |
|
HDB
Hdfc Bank Ltd
|
$136.10B | -27.4% | +15.2% | — | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$127.67B | +43.2% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$104.01B | -2.7% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.16B | +21.6% | +7.2% | 14.6 | 1.9% |
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 | +0.2% | +9.4% | +29.7% | +1.9% | +39.0% |
| SPY | +1.4% | +4.1% | +9.1% | +1.1% | +10.7% |
| vs SPY | -1.1% | +5.3% | +20.7% | +0.8% | +28.3% |
Capital returns
Latest dividend
$0.25
/ share · ex Jun 1, 2026
Paid (TTM)
$1.00
/ share · 4 payouts
Dividend yield (TTM, derived)
2.90%
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.