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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 74% of 52W Range • RSI-14 at 54.5 (NEUTRAL RANGE)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
First Financial Bancorp. (FFBC) advanced +0.34% to $32.78, trading at 74% of its 52-week range ($23.06 – $36.25). Solid steady margins (0% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.
First Financial Bancorp’s third quarter results were driven by a combination of record fee income and a resilient net interest margin, reflecting strong execution across multiple business lines. Management attributed rev
First Financial Bancorp has delivered a strong share price run in recent years, and the question now is whether that performance lines up with the returns it earns on its capital. With the market already rewarding the ba
First Financial Bancorp came into this earnings day with the share price roughly flat over the past quarter and only a small 0.4% lift in the latest session. That muted move sits awkwardly against a quarter that produced
First Financial Bancorp. (NASDAQ:FFBC) reported record third-quarter earnings and revenue, supported by a higher net interest margin, record fee income and growth in commercial and industrial lending. The company also ou
CINCINNATI (AP) — CINCINNATI (AP) — First Financial Bancorp (FFBC) on Tuesday reported third-quarter net income of $81.The Cincinnati-based bank said it had earnings of 77 cents per share.
Record earnings per share and $273.9M revenue highlight strong quarterly performance.
First Financial Bancorp. (Nasdaq: FFBC) ("First Financial") is pleased to announce the appointment of Timothy A. Massa as a new director to the Board of Directors for First Financial, effective immediately, following a v
First Financial Bancorp. (FFBC) Q3 2026 Earnings Call October 28, 2026 8:30 AM EDTCompany ParticipantsScott Crawley - Senior VP & ControllerArchie Brown...
First Financial Bancorp (NASDAQ:FFBC) reported third-quarter financial results on Wednesday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by
The headline numbers for First Financial (FFBC) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and th
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FFBC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FFBC. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why FFBC Stock advanced +0.34% Today — RQD Quant Desk Flash. Solid steady margins (0% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.
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