First Financial Bancorp. (FFBC): Price and Financial Metrics

FFBC POWR Grades

• Stability is the dimension where FFBC ranks best; there it ranks ahead of 87.37% of US stocks.
• The strongest trend for FFBC is in Momentum, which has been heading up over the past 52 weeks.
• FFBC's current lowest rank is in the Sentiment metric (where it is better than 26.86% of US stocks).

FFBC Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 7.08 for First Financial Bancorp; that's greater than it is for 84.08% of US stocks.
• With a year-over-year growth in debt of -45.43%, First Financial Bancorp's debt growth rate surpasses only 10.88% of about US stocks.
• First Financial Bancorp's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 35.35%, greater than the shareholder yield of 93.65% of stocks in our set.
• Stocks that are quantitatively similar to FFBC, based on their financial statements, market capitalization, and price volatility, are RNST, BANR, CBTX, BCML, and LBAI.
• FFBC's SEC filings can be seen here. And to visit First Financial Bancorp's official web site, go to www.bankatfirst.com.

FFBC Valuation Summary

• FFBC's EV/EBIT ratio is 12.4; this is 44.19% higher than that of the median Financial Services stock.
• FFBC's price/earnings ratio has moved down 2.7 over the prior 243 months.
• Over the past 243 months, FFBC's price/earnings ratio has gone down 2.7.

Below are key valuation metrics over time for FFBC.

FFBC Growth Metrics

• Its year over year net cashflow from operations growth rate is now at 1632.99%.
• The 4 year net income to common stockholders growth rate now stands at 134.11%.
• Its 3 year cash and equivalents growth rate is now at 85.38%.

FFBC's revenue has moved up $288,380,000 over the prior 49 months.

The table below shows FFBC's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-06-30	628.247	382.069	187.992
2021-03-31	601.067	383.146	174.497
2020-12-31	575.075	109.888	155.81
2020-09-30	557.636	34.358	156.175
2020-06-30	558.778	60.363	165.554
2020-03-31	574.988	22.109	180.864

FFBC's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• FFBC has a Quality Grade of C, ranking ahead of 47.64% of graded US stocks.
• FFBC's asset turnover comes in at 0.039 -- ranking 190th of 433 Banking stocks.
• WTFC, CTBI, and ZION are the stocks whose asset turnover ratios are most correlated with FFBC.

The table below shows FFBC's key quality metrics over time.