US stock · Financial Services sector · Banks—Regional
F
First Financial Bancorp.
FFBC
NASDAQ21.30
USD
-0.19
(-0.88%)
Market Closed
9.51P/E
9Forward P/E
0.45P/E to S&P500
2.021BMarket CAP
4.28%Div Yield
Upcoming Earnings
19 Apr-24 Apr
Shares Short
2/28/23
1.83M
Short % of Float
2.66%
Short % of Shares Outs.
1.92%
% Held by Insiders
2.01%
% Held by Institutions
76.07%
Beta
1.05
PEG Ratio
0.83
52w. high/low
26.72/18.75
Avg. Daily Volume
0.30M
Return %
Stock
S&P 500
1 year
(11.01)
(11.55)
3 years
52.74
64.96
5 years
(25.51)
44.15
Scale: |
High
Low
18.00
8.08
15.53
5.07
21.35
13.79
19.25
12.84
18.39
13.87
17.73
14.31
19.04
15.00
21.00
16.42
29.80
13.76
29.40
22.80
33.70
22.27
28.59
22.07
25.68
10.83
26.62
17.18
26.83
18.75
26.53
19.87
Currency: USD
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Revenue per share
4.74
4.53
13.71
7.43
7.04
5.84
5.23
4.98
5.31
5.63
5.85
6.24
6.26
6.63
6.41
7.28
Earnings per share
0.93
0.62
5.48
1.04
1.16
1.16
0.84
1.11
1.23
1.45
1.57
1.95
2.01
1.60
2.11
2.24
FCF per share
1.71
0.61
0.58
2.86
3.11
3.22
2.74
0.78
1.38
2.11
1.86
2.75
1.68
0.96
3.85
1.62
Dividends per share
0.65
0.69
0.50
0.42
0.61
1.17
1.07
0.59
0.64
0.64
0.67
0.90
0.91
0.92
0.90
0.89
CAPEX per share
0.20
0.32
0.29
0.40
0.41
0.44
0.13
0.18
0.12
0.16
0.11
0.21
0.21
0.17
0.16
0.44
Book Value per sh.
7.19
9.39
14.99
12.27
12.35
12.27
11.91
13.37
13.26
14.17
15.13
23.46
22.86
23.44
23.20
20.97
Comm.Shares outs.
38
37
45
57
58
58
57
59
61
61
62
89
98
97
97
97
Avg. annual P/E ratio
15.4
19.5
1.8
16.3
13.9
14.0
18.4
15.2
14.8
14.0
17.1
14.9
12.2
10.1
11.1
10.3
P/E to S&P500
0.9
0.9
0.0
0.8
0.9
0.9
1.1
0.8
0.7
0.6
0.7
0.6
0.5
0.3
0.4
0.5
Avg. annual div. yield
4.5%
5.7%
5.0%
2.4%
3.8%
7.2%
6.9%
3.5%
3.5%
3.2%
2.5%
3.1%
3.7%
5.7%
3.8%
3.9%
Revenue (m)
182
168
617
422
406
338
299
292
324
344
360
553
616
646
624
709
Operating margin
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation (m)
8
7
- -
- -
12
16
14
13
13
13
13
24
28
33
32
11
Net profit (m)
36
23
247
59
67
67
48
65
75
89
97
173
198
156
205
218
Income tax rate
33.5%
31.2%
36.9%
35.6%
36.5%
35.1%
28.5%
31.6%
32.3%
32.3%
16.7%
19.4%
18.4%
15.5%
14.8%
10.0%
Net profit margin
19.6%
13.7%
39.9%
14.0%
16.4%
19.9%
16.1%
22.2%
23.2%
25.7%
26.9%
31.2%
32.2%
24.1%
32.9%
30.7%
Working capital (m)
2,809
2,642
5,935
5,059
4,912
3,740
3,639
4,543
4,879
5,434
5,627
8,512
8,689
11,074
9,803
- -
Long-term debt (m)
67
169
425
150
77
10
8
23
120
120
120
571
414
341
387
347
Equity (m)
277
348
675
697
712
710
682
784
809
865
931
2,078
2,248
2,282
2,259
2,041
ROIC
2.9%
2.0%
4.2%
1.6%
1.4%
1.5%
1.1%
1.2%
1.3%
1.5%
1.7%
1.9%
2.3%
1.3%
1.5%
1.6%
Return on capital
4.2%
2.7%
6.7%
2.6%
2.2%
2.0%
1.3%
1.6%
1.6%
1.9%
1.9%
2.2%
2.5%
1.6%
1.7%
1.8%
Return on equity
12.9%
6.6%
36.5%
8.5%
9.4%
9.5%
7.1%
8.3%
9.3%
10.2%
10.4%
8.3%
8.8%
6.8%
9.1%
10.7%
Plowback ratio
30.4%
(10.8)%
90.8%
60.2%
47.1%
(0.7)%
(27.1)%
46.4%
48.0%
55.8%
57.5%
53.8%
55.0%
42.4%
57.4%
60.2%
Div.&Repurch./FCF
37.7%
111.7%
(286.9)%
7.6%
19.7%
40.0%
46.6%
77.2%
51.8%
30.4%
35.9%
32.8%
93.9%
113.9%
52.1%
55.0%
Capital Structure
24 Feb · 2023 | Q4
All numbers in millions
Total liabilities
$ 14,962
Total assets
$ 17,003
Long-term debt
$ 347
Cash and equiv.
$ 596
Goodwill
$ 1,002
Retained earnings
$ 968
Common stock
94
Enterprise Value
$ 1,772
Working Capital
Currency: USD, in millions
2020
2021
2022
Cash & Investments
3,676
4,643
4,005
Receivables
1,129
1,052
1,457
Inventory
- -
- -
- -
Other
6,269
5,052
(5,118)
Current assets
11,074
10,563
- -
Acc. Payable
516
492
627
Debt due
- -
268
1,287
Other
(516)
- -
(1,914)
Current liabilities
- -
760
- -
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
13.66%
6.63%
11.04%
Cash flow
(57.99)%
42.01%
37.14%
Earnings
6.07%
7.79%
20.74%
Dividends
(0.81)%
2.26%
8.53%
Book value
(9.63)%
(0.24)%
17.22%
Insider Trading
Type
Shares
Date
Woods Karen B
InKind
2,462
03/07/23
Shank James R
InKind
820
03/07/23
Neeley Amanda N
InKind
1,807
03/07/23
Harrod William R
InKind
1,475
03/07/23
Gavigan John M
InKind
1,631
03/07/23
Quarterly Revenue
Currency: USD, in millions
Year
1Q
2Q
3Q
4Q
Total
2020
150
154
162
180
646
2021
154
157
156
156
624
2022
148
167
180
214
709
Earnings per share
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
0.29
0.38
0.43
0.50
1.60
2021
0.49
0.52
0.62
0.48
2.11
2022
0.42
0.53
0.57
0.71
2.24
Quarterly dividends paid
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
0.23
0.23
0.23
0.23
0.92
2021
0.23
0.23
0.22
0.22
0.90
2022
0.23
0.22
0.22
0.22
0.89
Company Description
Sector:
Financial Services
Industry:
Banks—Regional
CEO:
Mr. Archie M. Brown Jr.
Full-time employees:
2,072
City:
Cincinnati
Address:
255 East Fifth Street
First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company accepts various deposit products, such as interest-bearing and noninterest-bearing accounts, time deposits, and cash management services for commercial customers. It also provides real estate loans secured by residential property, such as one to four family residential housing units or commercial property comprising owner-occupied and/or investor income producing real estate consisting of apartments, shopping centers, or office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment; consumer loans comprising new and used vehicle loans, second mortgages on residential real estate, and unsecured loans; and home equity lines of credit. In addition, the company offers commercial financing to the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees. Further, it provides a range of trust and wealth management services; and lease and equipment financing services. As of December 31, 2021, the company operated 139 full service banking centers, 29 of which are leased facilities. It operates 62 banking centers in Ohio, three banking centers in Illinois, 62 banking centers in Indiana, and 12 banking centers in Kentucky. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.