First Financial Valuation
| FFBC Stock | USD 26.98 0.08 0.30% |
At this time, the firm appears to be undervalued. First Financial Bancorp shows a prevailing Real Value of $31.21 per share. The current price of the firm is $26.98. Our model computes the value of First Financial Bancorp from reviewing the firm fundamentals such as Shares Outstanding of 95.42 M, current valuation of 3.15 B, and Profit Margin of 0.30 % as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting First Financial's valuation include:
Undervalued
Today
Please note that First Financial's price fluctuation is very steady at this time. Calculation of the real value of First Financial Bancorp is based on 3 months time horizon. Increasing First Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since First Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of First Stock. However, First Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 26.98 | Real 31.21 | Target 30.38 | Hype 26.85 | Naive 26.29 |
The real value of First Stock, also known as its intrinsic value, is the underlying worth of First Financial Bancorp Company, which is reflected in its stock price. It is based on First Financial's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of First Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of First Financial Bancorp helps investors to forecast how First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of First Financial more accurately as focusing exclusively on First Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use First Financial's intrinsic value based on its ongoing forecasts of First Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against First Financial's closest peers. If more than one evaluation category is relevant for First Financial we suggest using both methods to arrive at a better estimate.
First Financial Cash |
|
First Valuation Trend
Comparing First Financial's enterprise value against its market capitalization is a good way to estimate the value of First Financial Bancorp uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
First Financial Total Value Analysis
First Financial Bancorp is currently forecasted to have valuation of 3.15 B with market capitalization of 2.57 B, debt of 1.1 B, and cash on hands of 584 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the First Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
3.15 B | 2.57 B | 1.1 B | 584 M |
First Financial Investor Information
About 82.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.05. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Financial Bancorp has Price/Earnings To Growth (PEG) ratio of 1.71. The entity last dividend was issued on the 3rd of March 2025. The firm had 105:100 split on the 7th of March 2001. First Financial Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.76 | 0.59 |
|
| |||||
| Total Cash From Operating Activities | 275.3 M | 262.2 M |
|
| |||||
| Operating Income | 494.2 M | 470.6 M |
|
|
First Financial Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. First Financial has an asset utilization ratio of 4.5 percent. This indicates that the Company is making $0.045 for each dollar of assets. An increasing asset utilization means that First Financial Bancorp is more efficient with each dollar of assets it utilizes for everyday operations.First Financial Ownership Allocation
First Financial holds a total of 95.42 Million outstanding shares. The majority of First Financial Bancorp outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to obtain positions in First Financial Bancorp to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in First Financial. Please pay attention to any change in the institutional holdings of First Financial Bancorp as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.First Financial Profitability Analysis
The company reported the previous year's revenue of 835.58 M. Net Income was 228.83 M with profit before overhead, payroll, taxes, and interest of 756.07 M.First Financial Past Distributions to stockholders
| 16th of December 2024 | ||
| 16th of September 2024 | ||
| 17th of June 2024 | ||
| 15th of March 2024 | ||
| 15th of December 2023 | ||
| 15th of September 2023 | ||
| 15th of June 2023 | ||
| 7th of June 2023 | ||
| 15th of March 2023 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates First Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in First Financial and how it compares across the competition.
About First Financial Valuation
The stock valuation mechanism determines First Financial's current worth on a weekly basis. Our valuation model uses a comparative analysis of First Financial. We calculate exposure to First Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of First Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 835.6 M | 877.4 M | |
| Pretax Profit Margin | 0.32 | 0.29 | |
| Operating Profit Margin | 0.59 | 0.76 | |
| Net Profit Margin | 0.27 | 0.21 | |
| Gross Profit Margin | 1.26 | 1.12 |
First Financial Quarterly Retained Earnings |
|
A single share of First Financial represents a small ownership stake in the entity. As a stockholder of First, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
First Financial Dividends Analysis For Valuation
The current year's Dividend Payout Ratio is expected to grow to 0.45, whereas Dividends Paid is projected to grow to (85.1 M). . At present, First Financial's Price Earnings Ratio is projected to slightly decrease based on the last few years of reporting.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -89.5 M | -85.1 M | |
| Dividend Yield | 0.04 | 0.03 | |
| Dividend Payout Ratio | 0.39 | 0.45 | |
| Dividend Paid And Capex Coverage Ratio | 2.37 | 1.70 |
There are various types of dividends First Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of First shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from First Financial Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When First pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of First Financial by the value of the dividends paid out.
First Financial Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 95.4 M | |
| Quarterly Earnings Growth Y O Y | 0.133 | |
| Forward Price Earnings | 10.582 |
First Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of First Financial Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value First we look at many different elements of the entity such as First's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as First Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use First Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes First Financial's worth.Complementary Tools for First Stock analysis
When running First Financial's price analysis, check to measure First Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Financial is operating at the current time. Most of First Financial's value examination focuses on studying past and present price action to predict the probability of First Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Financial's price. Additionally, you may evaluate how the addition of First Financial to your portfolios can decrease your overall portfolio volatility.
| Portfolio Diagnostics Use generated alerts and portfolio events aggregator to diagnose current holdings | |
| Portfolio Analyzer Portfolio analysis module that provides access to portfolio diagnostics and optimization engine | |
| Portfolio Dashboard Portfolio dashboard that provides centralized access to all your investments | |
| Risk-Return Analysis View associations between returns expected from investment and the risk you assume | |
| Content Syndication Quickly integrate customizable finance content to your own investment portal | |
| Portfolio Volatility Check portfolio volatility and analyze historical return density to properly model market risk |