First Financial BancorpFFBC
Price$31.51Intrinsic value$24.9321% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $24.93median of 2 methodsbased on filings through 30 Jun 2026
Market Price $31.51Price as of 1 Oct 2026
Margin of Safety -20.9%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 5.6% (near-term consensus, capped) · years 2–5: 13.8%/yr (balance of the path).12.1% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 612.0%Yr 710.2%Yr 88.5%Yr 96.7%Yr 104.9%
13.8% → 4.9%
Years 11–20: glide to long-run rate
Per-year rates
Yr 114.7%Yr 124.5%Yr 134.3%Yr 144.1%Yr 153.9%Yr 163.7%Yr 173.6%Yr 183.4%Yr 193.2%Yr 203.0%
4.9% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)4.9%
Discount rate (cost of equity) 9.2%
Volatility vs market (adjusted beta)0.95

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

Search any company to compare valuation, profitability, returns, growth, and financial strength side by side.

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Best in rowHigher is betterLower is better—Data not available
TargetFirst Financial BancorpFFBCFinancials
Valuation
P/E11.1×
P/S3.7×
P/B1.1×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin—
Operating margin—
Net margin18.1%
FCF margin82.5%
Returns
ROE9.5%
ROA1.3%
ROIC—
Growth
Revenue growth (YoY)—
5-yr fwd EPS growth12.1%
Financial strength
Debt / Equity0.13×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield3.2%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.