Market Price

11.70 

0.14 1.2%

as of Sep 25 '20

52 Week Range:

10.84 26.19


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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 accepts various deposit products, such as interest-bearing and noninterest-bearing accounts, time deposits, and cash management services for commercial customers. It also provides real estate loans secured by residential property or commercial property; commercial and industrial loans for various purposes, including inventory, receivables, and equipment; consumer loans comprising 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 commercial financing 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; and long-term, lease, and equipment financing services. As of December 31, 2019, the company operated 63 banking centers in Ohio; three banking centers in Illinois; 65 banking centers in Indiana; and 14 banking centers in Kentucky. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 11.59
12.01
12.48
12.24
12.03
12.59
13.19
13.89
14.74
20.79
22.96
growth rate 3.6% 3.9% -1.9% -1.7% 4.7% 4.8% 5.3% 6.1% 41.0% 10.4%
Earnings BIT 390.57
91.95
105.04
103.75
67.58
98.11
114.72
141.40
130.51
growth rate -76.5% 14.2% -1.2% -34.9% 45.2% 16.9% 23.3% -7.7%
Avg.PE 2.73
18.69
14.64
12.79
20.92
15.99
14.30
19.48
17.85
13.78
11.62
growth rate 584.6% -21.7% -12.6% 63.6% -23.6% -10.6% 36.2% -8.4% -22.8% -15.7%
ROA 4.68
0.89
1.03
1.02
0.75
0.95
0.98
1.07
1.12
1.51
1.39
growth rate -81.0% 15.7% -1.0% -26.5% 26.7% 3.2% 9.2% 4.7% 34.8% -8.0%
ROE 56.09
8.87
9.47
9.46
6.94
8.87
9.42
10.57
10.78
11.47
9.16
growth rate -84.2% 6.8% -0.1% -26.6% 27.8% 6.2% 12.2% 2.0% 6.4% -20.1%
ROIC 33.48
10.83
11.65
6.61
4.50
5.61
growth rate -67.7% 7.6% -43.3% -31.9% 24.7%
Leverage 11.21
8.96
9.37
9.15
9.41
9.21
10.07
9.75
9.56
6.73
6.46
growth rate -20.1% 4.6% -2.4% 2.8% -2.1% 9.3% -3.2% -2.0% -29.6% -4.0%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 262.35
244.37
283.39
278.70
323.42
324.86
350.66
growth rate -6.9% 16.0% -1.7% 16.1% 0.4% 7.9%
Acct.Payable 140.48
131.01
88.02
5,655.74
6,179.62
6,525.79
6,895.05
10,140.39
10,210.23
growth rate -6.7% -32.8% 6,325.8% 9.3% 5.6% 5.7% 47.1% 0.7%
Cur.Assets 329.35
393.56
242.17
223.50
321.55
389.62
growth rate 19.5% -38.5% -7.7% 43.9% 21.2%
Total Assets 6,657.60
6,250.20
6,671.51
6,497.05
6,417.21
7,217.82
8,147.41
8,437.97
8,896.92
13,986.66
14,511.63
growth rate -6.1% 6.7% -2.6% -1.2% 12.5% 12.9% 3.6% 5.4% 57.2% 3.8%
Cash 606.20
282.90
1,969.56
1,961.69
1,894.32
53.92
58.34
62.70
83.95
150.32
100.79
growth rate -53.3% 596.2% -0.4% -3.4% -97.2% 8.2% 7.5% 33.9% 79.1% -33.0%
Inventory 22.67
13.25
6.28
2.78
1.40
2.03
growth rate -41.6% -52.6% -55.7% -49.6% 45.1%
Cur.Liabilities 6,410.50
7,218.50
7,338.75
7,729.78
11,207.92
11,547.48
growth rate 12.6% 1.7% 5.3% 45.0% 3.0%
Liabilities 6,007.60
5,552.80
5,959.29
5,786.62
5,735.05
6,433.74
7,338.04
7,572.74
7,966.26
11,908.41
12,263.92
growth rate -7.6% 7.3% -2.9% -0.9% 12.2% 14.1% 3.2% 5.2% 49.5% 3.0%
LT Debt 2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
23.24
119.54
119.59
119.65
570.74
413.16
growth rate 0.1% 0.1% 0.1% 0.1% -98.9% 414.4% 0.0% 0.1% 377.0% -27.6%
Equity 650.00
697.40
712.22
710.43
682.16
784.08
809.38
865.22
930.66
2,078.25
2,247.71
growth rate 7.3% 2.1% -0.3% -4.0% 14.9% 3.2% 6.9% 7.6% 123.3% 8.2%
Common Shares 46.00
58.00
59.00
59.00
58.00
59.00
62.00
62.00
62.00
90.00
99.00
growth rate 26.1% 1.7% 0.0% -1.7% 1.7% 5.1% 0.0% 0.0% 45.2% 10.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 7.50
22.80
23.54
25.50
7.30
10.61
7.47
9.73
6.54
18.23
20.93
growth rate 204.0% 3.3% 8.3% -71.4% 45.4% -29.6% 30.3% -32.8% 178.8% 14.9%
Cash Dividends 22.60
23.60
35.31
67.80
61.43
34.85
39.07
39.13
41.18
79.66
89.10
growth rate 4.4% 49.6% 92.0% -9.4% -43.3% 12.1% 0.1% 5.3% 93.4% 11.9%
Cash From OA 39.50
185.00
203.08
211.83
164.35
56.65
91.57
142.60
123.52
261.40
186.33
growth rate 368.4% 9.8% 4.3% -22.4% -65.5% 61.6% 55.7% -13.4% 111.6% -28.7%
FCF per Share 0.58
2.80
3.03
3.17
3.04
1.27
0.99
1.61
2.34
2.30
1.79
growth rate 382.8% 8.2% 4.6% -4.1% -58.2% -22.1% 62.6% 45.3% -1.7% -22.2%
Sale Purchase of Stock 0.06
-6.49
-11.71
1.06
0.74
0.80
0.34
growth rate -100.0% 0.0% 100.0% -29.6% 7.7% -57.4%
FCF 26.00
162.00
180.00
186.00
157.00
46.00
84.00
129.00
115.00
243.00
165.00
growth rate 523.1% 11.1% 3.3% -15.6% -70.7% 82.6% 53.6% -10.9% 111.3% -32.1%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 580.70
422.30
451.35
403.35
318.86
291.06
312.06
332.13
356.11
538.03
582.13
growth rate -27.3% 6.9% -10.6% -21.0% -8.7% 7.2% 6.4% 7.2% 51.1% 8.2%
Op.Income 354.00
92.00
66.74
67.30
48.35
100.35
119.44
133.81
121.41
225.55
254.51
growth rate -74.0% -27.5% 0.9% -28.2% 107.6% 19.0% 12.0% -9.3% 85.8% 12.8%
IBT 353.98
91.95
105.04
103.75
67.58
95.03
110.93
130.73
116.16
214.22
242.86
growth rate -74.0% 14.2% -1.2% -34.9% 40.6% 16.7% 17.9% -11.1% 84.4% 13.4%
Net Income 221.30
59.30
66.74
67.30
48.35
65.00
75.06
88.53
96.79
172.60
198.08
growth rate -73.2% 12.5% 0.9% -28.2% 34.4% 15.5% 17.9% 9.3% 78.3% 14.8%
EPS 4.78
0.99
1.14
1.14
0.83
1.09
1.21
1.43
1.56
1.93
2.00
growth rate -79.3% 15.2% 0.0% -27.2% 31.3% 11.0% 18.2% 9.1% 23.7% 3.6%
Gross Profit 291.06
312.06
332.13
356.11
538.03
582.13
growth rate 7.2% 6.4% 7.2% 51.1% 8.2%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable
growth rate
Acct.Payable 10,109.00
10,083.86
10,210.23
10,635.56
11,701.42
growth rate -0.3% 1.3% 4.2% 10.0%
Cur.Assets 340.32
448.92
389.62
594.76
645.94
growth rate 31.9% -13.2% 52.7% 8.6%
Total Assets 14,437.66
14,480.45
14,511.63
15,057.57
15,870.89
growth rate 0.3% 0.2% 3.8% 5.4%
Cash 169.69
242.48
100.79
261.89
283.64
growth rate 42.9% -58.4% 159.8% 8.3%
Inventory 1.42
1.61
2.03
1.47
1.87
growth rate 13.5% 26.0% -27.8% 27.6%
Cur.Liabilities 11,438.06
11,313.57
11,547.48
12,050.77
11,899.35
growth rate -1.1% 2.1% 4.4% -1.3%
Liabilities 12,249.47
12,219.13
12,263.92
12,878.18
13,649.87
growth rate -0.3% 0.4% 5.0% 6.0%
LT Debt 547.04
497.56
413.16
323.67
1,283.88
growth rate -9.1% -17.0% -21.7% 296.7%
Equity 2,188.19
2,261.31
2,247.71
2,179.38
2,221.02
growth rate 3.3% -0.6% -3.0% 1.9%
Common Shares 1,623.70
1,639.33
1,640.77
1,633.95
1,635.07
growth rate 1.0% 0.1% -0.4% 0.1%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 6.54
7.42
5.71
5.81
3.95
growth rate 13.5% -23.1% 1.7% -31.9%
Cash Dividends 21.91
23.02
22.62
22.53
22.42
growth rate 5.1% -1.8% -0.4% -0.5%
Cash From OA 21.75
48.36
78.23
-126.22
60.01
growth rate 122.3% 61.8% -100.0% 100.0%
Sale Purchase of Stock
growth rate
FCF 15.21
40.93
72.52
-132.03
56.05
growth rate 169.1% 77.2% -100.0% 100.0%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 150.28
149.45
148.14
124.22
134.07
growth rate -0.6% -0.9% -16.2% 7.9%
Op.Income 69.01
64.56
62.18
39.75
49.46
growth rate -6.5% -3.7% -36.1% 24.4%
IBT 65.90
63.22
57.98
34.55
45.38
growth rate -4.1% -8.3% -40.4% 31.4%
Net Income 52.70
50.86
48.68
28.63
37.39
growth rate -3.5% -4.3% -41.2% 30.6%
EPS
growth rate
Gross Profit 150.28
149.45
148.14
124.22
134.07
growth rate -0.6% -0.9% -16.2% 7.9%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (64.83)

YOY Growth Grade:

D (36.77)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.90 7.00 12.40
EPS / Growth 16.0% 1.67 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 23.6%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 10.0% 16.5% 16.5%
Future PE 8.90 11.23 18.13
Future EPS 4.34 7.73 7.73
Value Price
MOS %
9.54
-18.5%
21.45
83.3%
34.62
195.9%
MOS Price 4.77 10.72 17.31
IRT 5.16 4.49 4.49

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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