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FFBC · First Financial Bancorp /Oh/

Track FFBC — free
$34.38 +0.04 (+0.12%) At close · Aug 14
Market Cap
$3.61B
Shares
104.97M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$34.38 Open$34.21 Day$34.21–34.52 52W close$23.26–36.18 Avg vol 30d1.0M Short int5.5M · 5.2% float · 3.8d Short vol74% Last earningsJul 22, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 6

Up next

Next earnings call
Oct 20, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Aug 6, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      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 advice
      Overall
      Buy
      SellHoldBuy
      Technical Buy Momentum Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Very Low
      Market backdrop VIX 14.3 · calm Equity put/call 0.52
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +18%
      above
      Price vs 50-day avg +3%
      above
      RSI (14) 56
      neutral
      MACD trend Negative
      52-week position 86%
      near high
      Momentum
      relative strength
      Strong
      1-month return −4%
      trailing
      6-month return +19%
      trailing
      YTD return +37%
      this year
      Relative strength +6%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $34 › 200d $29 — 50d above 200d
      Institutional flow Accumulating
      +5% holders QoQ · +48 funds added
      Insider flow Distributing
      Net -$559.3K over 90 days · 100% sells
      Short interest Rising
      5.22% of float · ▲ +10.0% MoM · 3.8 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      317 holders — near 3-yr high, broad support
      Squeeze score 63
      elevated · 0–100
      Fundamentals
      Excellent
      Revenue growth +18%
      Y/Y
      EPS growth +11%
      Y/Y
      Free cash flow $317.1M
      Valuation P/E 12.2
      below peers
      Balance sheet $1.2B
      net debt
      Quant / Vol
      risk profile
      Very Low
      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%
      back half of the year
      Net charge-offs 0.25% – 0.3%
      Prior guidance period ended · from the Earnings Call filed Jun 30, 2025
      Net charge-offs · remainder of this year 0.2% – 0.25%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      1 · 2 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +18% Bullish
      Price vs 50-day avg
      +3% Bullish
      RSI (14)
      56 Neutral
      MACD trend
      Negative Bearish
      52-week position
      86% Bullish
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $34 › 200d $29 — 50d above 200d
      Institutional flow Accumulating
      +5% holders QoQ · +48 funds added
      Insider flow Distributing
      Net -$559.3K over 90 days · 100% sells
      Short interest Rising
      5.22% of float · ▲ +10.0% MoM · 3.8 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      317 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $23 Now $34 · 86% Range high $36
      vs 200-day avg +18% 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 1.36% Q1 2026
      Classified assets 1.02% Q1 2026
      Nonperforming assets 0.44% Q1 2026
      Return on average assets non-GAAP 1.45% Q1 2026
      Tier 1 common equity 12.23% Q1 2026
      Total Allowance for Credit Losses $206.7M Q1 2026
      Total capital ratio 15.71% Q1 2026
      Allowance to nonaccrual loans 183.18% As of Dec. 31, 2025
      Classified assets to total assets 1.11% As of Dec. 31, 2025
      Dividends declared per share $0.98 Twelve months ended Dec. 31, 2025
      Efficiency ratio 62.6% Three Months Ended Dec. 31, 2025
      Ending tangible shareholders' equity as a percent of ending tangible assets non-GAAP 7.79% As of Dec. 31, 2025
      Full service banking centers 134 As of Dec. 31, 2025
      Net interest margin 3.95% Twelve months ended Dec. 31, 2025
      Net interest margin (fully tax equivalent) non-GAAP 3.98% Twelve months ended Dec. 31, 2025
      Nonaccrual loans to total loans 0.76% As of Dec. 31, 2025
      Nonperforming assets to total assets 0.48% As of Dec. 31, 2025
      Return on average tangible shareholders' equity non-GAAP 17.57% Twelve months ended Dec. 31, 2025
      Tangible book value per share non-GAAP $15.74 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
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      FFBC
      First Financial Bancorp /Oh/
      this stock
      $3.61B +37.4% +18.3% 12.2 5.2%
      MFG
      Mizuho Financial Group Inc
      $132.42B +48.5% 0.1%
      HDB
      Hdfc Bank Ltd
      $120.05B -36.0% +15.2% 0.5%
      IBN
      Icici Bank Ltd
      $108.39B -0.2% 0.5%
      PNC
      Pnc Financial Services Group, Inc.
      $102.52B +23.1% +7.2% 14.1 1.8%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      317
      % held
      84.4%
      Net QoQ
      +912.7K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      319
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      5.5M
      Days to cover
      3.8d
      Change
      +495.9K sh
      View
      Short Volume
      Short vol %
      74%
      As of
      Aug 14, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      144
      Value
      $4.9K
      As of
      Jul 1, 2026
      View
      Off-Exchange
      Off-exchange %
      34.9%
      Week of
      Jul 6, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$559.3K
      Buyers / Sellers
      0 / 4
      Buyers Sellers
      View
      Financials
      Financials
      Net income (FY)
      $255.6M
      EPS diluted
      $2.66
      View
      Buybacks
      Authorized
      shares 5.0M
      Remaining
      shares 1.4M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 6, 2026
      This year
      12
      View
      Proposed Sales
      Value
      $309.2K
      Shares
      10.0K
      Filed
      Jun 8, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 22, 2026
      View
      Investor Relations
      Latest news
      First Financial Bancorp Announces…
      Published
      Jul 21, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      FFBC +2.1% -3.8% +19.3% +1.6% +37.4%
      SPY +0.4% +4.5% +13.8% +3.9% +13.9%
      vs SPY +1.7% -8.2% +5.6% -2.3% +23.6%

      Capital returns

      Latest dividend
      $0.25 / share · ex Jun 1, 2026
      Declared · upcoming
      $0.26 / share · ex Sep 1, 2026
      Raised 4.2%
      Paid (TTM)
      $1.00 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.91%
      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) 295 filings 292 filers Visit website Investor relations