FFBC

First Financial Bancorp.

Financial Services · $3.3B market cap

Verdict

Share price

$31.87

close of Oct 3, 2026

Fair value

$70.67

Sticker Price

Payback Price

$28.27

buy price

Undervalued

FFBC is Undervalued: at $31.87 it trades 55% below its fair value of $70.67. Its buy price (Payback Price) is $28.27, 11% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth13.3% a year✓
Equity per share growth7.0% a year✗
Sales growth8.9% a year✗
Free cash flow growth9.8% a year✗
Return on invested capital5.7%✗

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Insider activity

Since Jun 30, 2026: no open-market purchases, 4 sales worth $919K and 6 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

About First Financial Bancorp.

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works

FFBC stock (First Financial Bancorp.): fair value $70.67, Undervalued — PaybackPrice