Stock Ratings / Financials / FFBC / dividends

SFNC (60) CBU (63) NIC (68) FIBK (68) ⌘ Pro Terminal →

First Financial Bancorp. (FFBC) Dividend Safety Gauge & 10-Year DRIP Compounder

$32.78 +0.34% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $32.74

First Financial Bancorp. (FFBC) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $3.45B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $32.74 (-0.13%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 7.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FFBC)Realized 20D OHLCV Swing Band: ±4%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY FFBC SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (25% of score)

FRED Regime × Technicals: 74% of 52W Range • RSI-14 at 54.5 (NEUTRAL RANGE)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (20% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$30.90+1.9% Next Q

Q2 (-2Q)

Grade C$31.48+3.7% Next Q

Q3 (-1Q)

Grade C$32.64+0.4% Next Q

Current

Grade C$32.78+1.1% Hist 90D α

Trajectory: C (56) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FFBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, FFBC faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($32.05) or 200D SMA ($30.99) invalidates the momentum regime and cuts Target Base ($33.67) toward Bear Floor ($26.26).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FFBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FFBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

4.55% Total Yield

2.75% Cash ($0.90/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

19.4% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $24,782

Est. Year-10 Shareholder Yield: $1,128/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.9K

Yr 1

$12.0K

Yr 2

$13.1K

Yr 3

$14.4K

Yr 4

$15.7K

Yr 5

$17.2K

Yr 6

$18.9K

Yr 7

$20.7K

Yr 8

$22.6K

Yr 9

$24.8K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in FFBC & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on FFBC and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FFBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.26%📐 HORIZONTAL RANGE

2026-10-30O $32.86H $32.88L $32.29C $32.78VOL 1.06M

RES: $38.64SUP: $29.55SMA50: $32.05SMA200: $30.99

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FFBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FFBC Butterfly Map → + Track FFBC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FFBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FFBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FFBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FFBC)

Financials Rank #345 of 1096 ⚔️ SFNC vs FFBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (FFBC vs. SFNC, CBU, NIC, FIBK)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First Financial Bancorp. (FFBC) ranks #345 by composite RQD confidence (64/100, grade C) and #334 by equity capitalization ($3.45B). Within this direct 5-issuer industry benchmark cohort, FIBK leads on earnings valuation at 12.0x trailing P/E, while NIC leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. NIC currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with FFBC at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FFBC ACTIVE First Financial Bancorp.	C	64/100	—	—	0.0%	+0.34%	$3.45B	Benchmark Subject
SFNC Simmons First National Corporation (Class A)	C-	60/100	—	—	-11.1%	+1.30%	$3.38B	/sfnc-vs-ffbc →
CBU Community Financial System Inc.	C	63/100	15.8x	—	10.5%	+0.96%	$3.33B	/cbu-vs-ffbc →
NIC Nicolet Bankshares Inc.	C+	68/100	24.0x	—	12.0%	+0.89%	$3.62B	/nic-vs-ffbc →
FIBK First Interstate BancSystem Inc.	C+	68/100	12.0x	—	8.8%	+1.04%	$3.62B	/fibk-vs-ffbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000708955

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Financial Bancorp. (FFBC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $255.6K, operating cash flow of $337.9M, and free cash flow of $317.1M (+31.5% YoY). On the balance sheet, FFBC closed FY2025 with $21.13B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$255.6K	$337.9M	$317.1M	$21.13B	—
FY2024 (FY)	2024-12-31	$0	$228.8K	$262.2M	$241.1M	$18.57B	—
FY2023 (FY)	2023-12-31	$0	$255.9K	$487.0M	$487.0M	—	—

3. FFBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FFBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, First Financial Bancorp. (NASDAQ: FFBC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $32.78 (+0.34% 1D, market cap $3.45B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, FFBC ranks #345 in composite RQD confidence.

How does FFBC compare to SFNC and CBU in the Financials sector?

Within the Financials sector (Major Banks), FFBC carries a Roarable C (64/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, SFNC (Simmons First National Corporation (Class A)) holds a C- grade (60/100 RQD, P/E N/A, ROIC -11.1%, cap $3.38B) and CBU (Community Financial System Inc.) posts a C grade (63/100 RQD, P/E 15.8x, ROIC 10.5%, cap $3.33B). Among the 5-stock peer group, FIBK leads on earnings multiple (12.0x) while NIC leads on capital efficiency (12.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FFBC?

Per FFBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000708955), First Financial Bancorp. generated $0 in revenue, $255.6K in net income, and $317.1M in free cash flow against $21.13B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FFBC trading relative to its 50-day, 200-day, and 52-week technical levels?

FFBC last traded at $32.78 (+0.34% on volume of 1,211,777 shares), positioning the stock +2.28% above its 50-day simple moving average ($32.05) and +5.78% above its 200-day simple moving average ($30.99). Across its 52-week range of $23.06 to $36.25, FFBC sits at the 73.7% percentile with a 14-day RSI of 54.5 (NEUTRAL RANGE) and an implied next-earnings move of ±4.0% ($31.47 to $34.09).

FFBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does FFBC pay a dividend and is it safe?

First Financial Bancorp. (FFBC) offers a 2.75% cash dividend yield ($0.90 annualized) and 4.55% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: FFBC RQD Cockpit FFBC 12M Forecast FFBC Earnings & Move FFBC Dividends & DRIP FFBC Insiders & 13F FFBC Whale Options FFBC Profit Sankey FFBC News & Why