B+
Bull case
25%
Probability
Target price
$41.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
FFBC
First Financial BancorpBNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
The primary release supports a constructive case: record adjusted EPS, broad-based loan growth, stable near-4% margin, improving efficiency, strong capital, and a potentially accretive Finward acquisition. Management also expects continued loan production and acquisition synergies.
Posture
Constructive
Lead driver
Sentiment
What changed
3 setup hits (3d) with net bullish as of 2026-09-09.
What can break
Fee income is volatile and was below management expectations in Q2; the anticipated rebound is unproven. [#SEC-8K-2026-07-21]
Momentum
40
Value
58
Sentiment
71
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $36.86 · Bull $41.00 · Bear $29.50Analysis 2026-07-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-24 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $37.57
Why
Momentum40 · Δ7d +1.4
Value58 · Δ7d -8.1
Sentiment71 · Δ7d +4.5
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.
Confirming evidence
- • 3 setup hits (3d) with net bullish as of 2026-09-09.
- • Sentiment remains the lead driver in the composite, 7D delta +4.5.
Contradictions & invalidation
- • Fee income is volatile and was below management expectations in Q2; the anticipated rebound is unproven. [#SEC-8K-2026-07-21]
- • Finward closing depends on regulatory approvals and Finward shareholder approval; expected Q4 2026 timing could slip. [#SEC-8-K-2026-07-21]
- • The print was not uniformly clean: fee income was below expectations, loan accretion diluted margin, and the Finward deal carries regulatory, shareholder-approval, integration, and execution risk.
Catalyst clock
2026-07-21
Q2 earnings showed record adjusted EPS and solid banking metrics
Lead driver: Sentiment · See AI snapshot
Momentum
40
9% active weight
Current posture
7d trendFlat
Δ7d
+1.4
Δ21d
-9.7
Value
58
28% active weight
Current posture
7d trendSoftening
Δ7d
-8.1
Δ21d
-0.1
Sentiment
71
62% active weight
Current posture
7d trendImproving
Δ7d
+4.5
Δ21d
+6.9
Why this grade
Composite grade B. Momentum 40.1 / Value 58.3 / Sentiment 71.4
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-24. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$36.86
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$29.50
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$3.59B
Beta
1.00
Shares Out
104.97M
P/E (TTM)
9.5
P/S (TTM)
3.03
P/FCF (TTM)
15.13
Rev YoY
+13.0%
EPS YoY
-0.3%
Gross Margin
-
Op Margin
+26.1%
Net Debt
$1.07B
Current Ratio
0.11
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data