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Upturn AI SWOT - About
FFBC 
First Financial Bancorp (FFBC)
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Upturn Advisory Summary
03/10/2025: FFBC (1-star) is a SELL. SELL since 5 days. Profits (-8.53%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -28.99% | Avg. Invested days 30 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.38B USD | Price to earnings Ratio 10.41 | 1Y Target Price 31.5 |
Price to earnings Ratio 10.41 | 1Y Target Price 31.5 | ||
Volume (30-day avg) 380506 | Beta 0.98 | 52 Weeks Range 19.94 - 30.66 | Updated Date 04/1/2025 |
52 Weeks Range 19.94 - 30.66 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.84% | Basic EPS (TTM) 2.4 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.27% | Operating Margin (TTM) 39.36% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 9.73% |
Valuation
Trailing PE 10.41 | Forward PE 9.35 | Enterprise Value 2947048448 | Price to Sales(TTM) 3.15 |
Enterprise Value 2947048448 | Price to Sales(TTM) 3.15 | ||
Enterprise Value to Revenue 4.15 | Enterprise Value to EBITDA - | Shares Outstanding 95423800 | Shares Floating 93351148 |
Shares Outstanding 95423800 | Shares Floating 93351148 | ||
Percent Insiders 1.97 | Percent Institutions 82.29 |
Analyst Ratings
Rating 3.4 | Target Price 30.38 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Financial Bancorp
Company Overview
History and Background
First Financial Bancorp was founded in 1863 as The First National Bank of Hamilton, Ohio. It has grown through acquisitions and organic expansion to become a diversified financial services provider serving Ohio, Indiana, Kentucky, and Illinois.
Core Business Areas
- Commercial Banking: Provides a wide range of lending, treasury management, and other financial services to businesses of all sizes.
- Retail Banking: Offers deposit accounts, loans, and other financial services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
Archie Brown is the President and CEO. The company has a board of directors overseeing its operations. The organizational structure includes various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses. Competitors include regional banks like Huntington Bancshares (HBAN) and Fifth Third Bancorp (FITB). Revenue and market share data are not publicly broken down by specific loan type.
- Mortgage Loans: Provide financing for residential real estate. Competitors include large national banks and mortgage companies. Revenue and market share data are not publicly broken down by specific loan type.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include national and regional banks. Revenue and market share data are not publicly broken down by specific deposit product.
Market Dynamics
Industry Overview
The banking industry is facing challenges such as increased competition from fintech companies, rising interest rates, and regulatory changes. Digital transformation and customer experience are key areas of focus.
Positioning
First Financial Bancorp is a regional bank focused on providing personalized service and building long-term relationships with its customers. It competes with larger national banks and smaller community banks.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest region is substantial, encompassing both commercial and retail customers. FFB is well-positioned to capture more market share. Accurate estimates for the Midwestern banking market are difficult to pinpoint precisely but exceed hundreds of billions of dollars.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Diversified revenue streams
- Solid credit quality
Weaknesses
- Smaller scale compared to larger competitors
- Limited geographic reach
- Dependence on interest rate environment
- Lower brand recognition compared to national banks
Opportunities
- Expansion into new markets
- Acquisition of smaller banks
- Increased adoption of digital banking
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- HBAN
- FITB
- KEY
Competitive Landscape
First Financial Bancorp competes with a mix of national and regional banks. Its advantages include its strong local market presence and personalized service. Its disadvantages include its smaller scale and limited geographic reach.
Major Acquisitions
Genoa Bancorp, Inc.
- Year: 2022
- Acquisition Price (USD millions): 122
- Strategic Rationale: Expanded presence in Northwest Ohio and Southeast Michigan
Growth Trajectory and Initiatives
Historical Growth: First Financial Bancorp's growth has been driven by organic expansion and strategic acquisitions. The company has a track record of increasing its assets, loans, and deposits.
Future Projections: Analyst estimates suggest continued growth for First Financial Bancorp, driven by its strong market position and strategic initiatives. Specific growth rates are available from financial analysts.
Recent Initiatives: Recent initiatives may include investments in digital banking platforms, expansion into new markets, and acquisitions of smaller banks or wealth management firms.
Summary
First Financial Bancorp is a regional bank with a strong local presence and diversified revenue streams. It faces competition from larger national banks and fintech companies. The company has a history of growth through acquisitions and organic expansion, but it needs to continue to innovate and adapt to the changing banking landscape.
Similar Companies
- HBAN
- KEY
- CFG
- UMBF
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Yahoo Finance
- Google Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial metrics are not real-time and may be outdated. Please consult with a financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Financial Bancorp
Exchange NASDAQ | Headquaters Cincinnati, OH, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Director Mr. Archie M. Brown Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2090 | Website https://www.bankatfirst.com |
Full time employees 2090 | Website https://www.bankatfirst.com | ||
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 offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-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, and office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment, as well as equipment and leasehold improvement financing for franchisees; consumer loans, such as 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 secured commercial financing services 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; lease and equipment financing services; and currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.
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