Stocktoria

FIRST FINANCIAL BANCORP /OH/ FFBC

Nasdaq · stock · National Commercial Banks · website · IPO 1983-12-21

FIRST FINANCIAL BANCORP /OH/ statistics & valuation

Market cap$3.5B
P / E13.9×
P / B1.3×
P / FCF11.2×
Dividend yield2.67%
Return on equity9.2%
Net debt$514.1M
Enterprise value USD$4.1B
Graham number +21.8%$41.52

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($41.52); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
10.20% 10.40% 8.30% 8.80% 6.80% 9.10% 10.70% 11.30% 9.40% 9.20% 2016201720182019202020212022202320242025
Shares outstanding
62.0M 62.2M 89.6M 98.9M 98.1M 95.9M 94.6M 95.1M 95.4M 96.2M 2016201720182019202020212022202320242025
Net debt ($)
$119.6M $119.7M $570.7M $414.4M $776.2M $409.8M $346.7M $344.1M $347.5M $514.1M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.00% 1.10% 1.20% 1.40% 1.00% 1.30% 1.30% 1.50% 1.20% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.14× 0.13× 0.27× 0.18× 0.34× 0.18× 0.17× 0.15× 0.14× 0.19× 2016201720182019202020212022202320242025
EPS ($)
$1.43 $1.56 $1.93 $2.00 $1.59 $2.14 $2.30 $2.69 $2.40 $2.66 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

FIRST FINANCIAL BANCORP /OH/ trades at about 12.8× earnings — near its 10-year norm (10-year range 8.3×–19.3×, median 11.8×).

8.3× 19.3×

Shaded band = 10-year range (8.3×–19.3×); dot = today's 12.8×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.2%1.2%1.5%1.3%1.3%1.0%1.4%1.2%1.1%1.0%
Return on equity9.2%9.4%11.3%10.7%9.1%6.8%8.8%8.3%10.4%10.2%
Debt / equity0.19×0.14×0.15×0.17×0.18×0.34×0.18×0.27×0.13×0.14×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.