COMP <GO>

FFBC vs SFNC // EV/EBITDA & P/E VALUATION

First Financial Bancorp. (NASDAQ) VS. Simmons First National Corporation (Class A) (NASDAQ) • 15-METRIC TALLY: FFBC 3 — SFNC 3

■ METRIC PARITY

LAST: $32.78 (+0.34%) • MKT CAP: $3.45B

valuation

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LAST: $23.37 (+1.30%) • MKT CAP: $3.38B

valuation

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FFBC VS. SFNC) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	FFBC	SFNC	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	0.00%	-11.10%	+11.10	FFBC	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	9.20%	12.18%	-2.98	SFNC	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	2.75%	3.41%	-0.66	SFNC	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	3/9	+2.00	FFBC	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	54.5	55.9	-1.44	SFNC	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	—	—	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$3.45B	$3.38B	$70.1M	FFBC	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	FFBC REV	SFNC REV	FFBC GROSS %	SFNC GROSS %	FFBC FCF	SFNC FCF
FY 2025	$0	$0	—	—	$317.1M	$411.4M
FY 2024	$0	$0	—	—	$241.1M	$380.4M
FY 2023	$0	$0	—	—	$487.0M	$541.0M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

FFBC // BETA —

SFNC // BETA —