First Financial Bancorp (Ohio) (FFBC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Atlantic Union Bankshares Corp.

Eastern Bankshares, Inc.

Independent Bank Corp. (Massachusetts)

First BanCorp (Puerto Rico)

Pacific Premier Bancorp, Inc.

CVB Financial Corp.

EVERTEC, Inc.

Bank of Hawaii Corp.

The Bancorp, Inc. (Delaware)

First Financial Bancorp (Ohio)

First Hawaiian, Inc.

Why is First Financial Bancorp (Ohio) ?

High Profitability with a Net Interest Margin of 8.35%

Positive results in Dec 25

OPERATING PROFIT(Q) Highest at USD 91.71 MM
NII(Q) Highest at USD 174 MM
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.79%, it has a fair valuation with a 1.12 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 6.43%, its profits have risen by 11.7% ; the PEG ratio of the company is 1.5

High Institutional Holdings at 80.23%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Underperformed the market in the last 1 year

The stock has generated a return of 6.43% in the last 1 year, much lower than market (S&P 500) returns of 17.99%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First Financial Bancorp (Ohio) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First Financial Bancorp (Ohio) for you?

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

First Financial Bancorp (Ohio)

6.43%

0.92

28.77%

S&P 500

17.99%

0.93

19.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

13.80%

EBIT Growth (5y)

9.68%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

36.87%

Pledged Shares

Institutional Holding

80.23%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.12

EV to EBIT

9.83

EV to EBITDA

8.61

EV to Capital Employed

1.13

EV to Sales

2.76

PEG Ratio

1.47

Dividend Yield

ROCE (Latest)

11.55%

ROE (Latest)

9.23%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

No Trend

Mildly Bullish

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

7What is working for the Company

OPERATING PROFIT(Q)

Highest at USD 91.71 MM

NII(Q)

Highest at USD 174 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 265.33 MM

-4What is not working for the Company

GROSS NPA (%)

CASH AND EQV(HY)

Lowest at USD 353.21 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 81.75%

Here's what is working for First Financial Bancorp (Ohio)

Operating Profit

Highest at USD 91.71 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

NII

Highest at USD 174 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 265.33 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Depreciation

Highest at USD 11.74 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Depreciation

At USD 11.74 MM has Grown at 25.04%

period on period (QoQ)

MOJO Watch

The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (USD MM)

Here's what is not working for First Financial Bancorp (Ohio)

Non Performing Loans (%)

Highest at 0.76%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Cash and Eqv

Lowest at USD 353.21 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Credit Deposit Ratio

Lowest at 81.75%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Capital Adequacy Ratio

Lowest at 11.6%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)