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FFBC

First Financial BancorpB
Nasdaq / Banks
Last Price
At close
2026-07-20
View Chart
Current thesis
Stronger‑than‑expected NIM expansion and controlled credit costs push multiples toward regional peers; successful execution of revenue initiatives and any accretive M&A could reach the bull target.
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-21 · AMC.
What can break
Elevated credit losses from commercial real estate
Momentum
73
Value
57
Sentiment
38
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $28.00 · Bull $32.00 · Bear $24.00
Earnings
2026-07-21 · AMC
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-29 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $36.00
Why
Momentum73 · Δ7d +3.6
Value57 · Δ7d -0.8
Sentiment38 · Δ7d -5.3
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
73
26% active weight
Current posture
7d trendImproving
Δ7d
+3.6
Δ21d
+0.8
Value
57
39% active weight
Current posture
7d trendFlat
Δ7d
-0.8
Δ21d
-1.0
Sentiment
38
34% active weight
Current posture
7d trendSoftening
Δ7d
-5.3
Δ21d
-6.0
Why this grade

Composite grade B. Momentum 73.4 / Value 56.5 / Sentiment 38.5

Fundamentals (TTM)
As of 2026-07-17
Market Cap
$3.75B
Beta
1.00
Shares Out
104.93M
P/E (TTM)
9.5
P/S (TTM)
3.03
P/FCF (TTM)
15.13
Rev YoY
+25.0%
EPS YoY
+32.5%
Gross Margin
-
Op Margin
+34.9%
Net Debt
$1.07B
Current Ratio
0.15
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology