Stock Ratings / Financials / FFBC / options

SFNC (57) CBU (65) NIC (68) FIBK (64) ⌘ Pro Terminal →

First Financial Bancorp. (FFBC) Options Positioning, Max Pain & Unusual Sweeps

$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 63/100 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 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $3.45B

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FFBC Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FFBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, First Financial Bancorp. (NASDAQ: FFBC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 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 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, FFBC ranks #340 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FFBC compare to SFNC and CBU in the Financials sector?

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Within the Financials sector (Major Banks), FFBC carries a Roarable C (63/100 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 D+ grade (57/100 RQD, P/E N/A, ROIC -11.1%, cap $3.38B) and CBU (Community Financial System Inc.) posts a C grade (65/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FFBC?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

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 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% 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 C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FFBC)Realized 20D OHLCV Swing Band: ±3.9%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY FFBC SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+14/20 pts (22% of score)

20D Institutional Volume Accumulation (±3.9% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

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

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution12/20 pts (-8 pt drag)

Cannibal Buyback (-1.24% YoY Shares) & executive Form 4 sales trim 8 pts from alignment

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

Q1 (-3Q)

Grade C$31.11+0.5% Next Q

Q2 (-2Q)

Grade C$31.27+4.5% Next Q

Q3 (-1Q)

Grade C$32.67+0.3% Next Q

Current

Grade C$32.78+0.9% Hist 90D α

Trajectory: C (55) → C (63)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 63/100 (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 ($31.02) invalidates the momentum regime and cuts Target Base ($33.52) toward Bear Floor ($26.15).

🎲 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 63%NO 37%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±3.9%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (FFBC)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for FFBC.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating FFBC & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on FFBC
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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FFBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.23%⚡ TESTING RESISTANCE

2026-11-02O $32.67H $32.78L $32.67C $32.78VOL 1.21M

RES: $33.20SUP: $29.50SMA50: $32.05SMA200: $31.02

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 #340 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 #340 by composite RQD confidence (63/100, 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 63/100 (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	63/100	—	—	0.0%	+0.34%	$3.45B	Benchmark Subject
SFNC Simmons First National Corporation (Class A)	D+	57/100	—	—	-11.1%	+1.30%	$3.38B	/sfnc-vs-ffbc →
CBU Community Financial System Inc.	C	65/100	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	64/100	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?

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

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

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 +5.67% above its 200-day simple moving average ($31.02). Across its 52-week range of $23.06 to $36.25, FFBC sits at the 73.7% percentile with a 14-day RSI of 59.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.9% ($31.50 to $34.06).

FFBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is FFBC's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for FFBC.

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