FFBC

Based on First Financial Bancorp.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does First Financial Bancorp. do?

First Financial Bancorp. is the holding company for First Financial Bank, a regional lender serving Ohio, Indiana, Kentucky, and Illinois. It offers commercial and consumer loans, deposit accounts, wealth management, and specialty financing through over 130 banking centers.

Does FFBC pay dividends?

Yes, First Financial Bancorp. pays a regular dividend. Regional banks with stable earnings bases commonly return capital to shareholders through dividends, and FFBC has maintained this practice. Check the company's investor relations page for the current dividend rate and payment schedule.

When does FFBC report earnings?

FFBC reports financial results on a quarterly cadence, as is standard for US-listed bank holding companies. For the exact date of the next earnings release, refer to First Financial Bancorp.'s investor relations page.

Is FFBC a good stock to buy?

UQS Score rates FFBC as Good overall. Its Valuation pillar is Attractive and Quality is Good, but Moat, Growth, and Risk are all Weak. Whether it fits your portfolio depends on your income goals and risk tolerance. The full pillar breakdown is available to UQS Pro members.

Is FFBC overvalued?

Based on the UQS Valuation pillar, FFBC is rated Attractive — meaning it does not appear overvalued relative to its fundamentals at current levels. This can be a positive signal for value-oriented or income-focused investors, though it should be considered alongside the Weak Risk and Growth ratings.

How does FFBC compare to its competitors?

FFBC operates in a competitive regional banking landscape alongside peers like Simmons First National, Park National, and Bank of Hawaii. Each has different geographic footprints and business mixes. UQS Pro members can view side-by-side pillar comparisons to assess relative quality across these peers.

What is FFBC's market cap bracket?

First Financial Bancorp. is classified as a mid-cap stock. This places it in a segment of the market that typically offers more liquidity than small-cap banks while remaining more nimble than the largest national banking institutions.

Who founded First Financial Bancorp.?

First Financial Bancorp. was established in 1983 and is headquartered in Cincinnati, Ohio. Detailed founding history and leadership background are publicly available through the company's official website and investor relations materials.

Is FFBC a long-term quality investment?

From a long-term quality perspective, FFBC's Good overall UQS Score reflects a mixed picture. Its Attractive Valuation and Good Quality ratings are positives, but Weak Moat and Growth ratings suggest limited competitive durability and expansion potential over time. Long-term investors should weigh these factors carefully.

What is the main competitive advantage of First Financial Bancorp.?

FFBC's regional presence across four Midwest states and its specialty financing offerings — including lending to insurance firms, investment advisors, and restaurant franchisees — provide some differentiation. However, its UQS Moat pillar is rated Weak, indicating these advantages may not be strongly defensible against larger competitors.

What sector does FFBC belong to?

FFBC operates in the Financial Services sector, specifically as a regional bank holding company. Regional banks are sensitive to interest rate cycles, credit conditions, and local economic trends — all factors reflected in FFBC's UQS pillar profile.

Is FFBC a growth stock or value stock?

Based on its UQS profile, FFBC leans toward the value side. Its Growth pillar is rated Weak, suggesting limited near-term expansion momentum, while its Valuation pillar is Attractive — a combination more consistent with a value or income-oriented investment thesis than a high-growth profile.

First Financial Bancorp. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

First Financial Bancorp. shows steady but unspectacular growth, typical for mature companies.

First Financial Bancorp. has some risk factors including moderate leverage or solvency concerns.

First Financial Bancorp. appears attractively valued relative to its earnings, cash flows, and sector peers.

First Financial Bancorp. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FFBC.

The UQS (Unified Quality Score) for First Financial Bancorp. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses First Financial Bancorp.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether First Financial Bancorp. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.