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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Atlantic Union Bankshares Corp.

First BanCorp (Puerto Rico)

First Hawaiian, Inc.

Pacific Premier Bancorp, Inc.

Eastern Bankshares, Inc.

EVERTEC, Inc.

Bank of Hawaii Corp.

The Bancorp, Inc. (Delaware)

First Financial Bancorp (Ohio)

Independent Bank Corp. (Massachusetts)

CVB Financial Corp.

Why is First Financial Bancorp (Ohio) ?

High Profitability with a Net Interest Margin of 8.64%

Flat results in Jun 25

GROSS NPA (%)(Q) Highest at 0.65%
DIVIDEND PAYOUT RATIO(Y) Lowest at 32.83%

With ROA of 0.90%, it has a fair valuation with a 1.02 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 -16.84%, its profits have fallen by -2.9%

High Institutional Holdings at 82.1%

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

Below par performance in long term as well as near term

Along with generating -16.84% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

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)

-10.51%

0.72

28.50%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.78%

EBIT Growth (5y)

9.03%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

39.19%

Pledged Shares

Institutional Holding

82.10%

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

1.02

EV to EBIT

9.73

EV to EBITDA

8.35

EV to Capital Employed

1.02

EV to Sales

2.25

PEG Ratio

Dividend Yield

ROCE (Latest)

10.49%

ROE (Latest)

9.17%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Sideways

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Mildly Bearish

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

9What is working for the Company

NII(Q)

Highest at USD 158.27 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 87.62 MM

OPERATING PROFIT MARGIN(Q)

Highest at 35.63 %

PRE-TAX PROFIT(Q)

Highest at USD 87.86 MM

NET PROFIT(Q)

Highest at USD 70 MM

EPS(Q)

Highest at USD 0.73

-3What is not working for the Company

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 32.83%

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

NII

Highest at USD 158.27 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Profit

Highest at USD 87.62 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 35.63 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 87.86 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 70 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.73

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

CASA

Highest at 12.89%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

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

Non Performing Loans (%)

Highest at 0.65%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Dividend Payout Ratio

Lowest at 32.83%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)