FIRST FINANCIAL BANCORP /OH/ (FFBC)
National Commercial Banks · Financial Services · $3.3B
Intrinsic Value (Consensus)
$56.64
Current Price
$31.89
Margin of Safety
+77.6%
77.6% Below Intrinsic Value
Value: $57
Price: $32
Valuation Model Estimates
Current Price: $31.89
DCF (Discounted Cash Flow)
$79.34
Graham Number
$41.52
Earnings Power Value
$25.83
Relative Value (P/E)
$53.20
Dividend Discount Model
$83.33
Consensus Value
$56.64
Model Assumptions
Discount Rate
10.3%
Growth Rate
10.8%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
71
Profitability
15/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
High free cash flow yield (9.5%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $2.66
- EPS (Forward)
- $2.95
- Book Value
- $28.80
- P/E Ratio
- 20.0
- Forward P/E
- 18.0
- PEG Ratio
- —
- ROE
- 9.2%
- Debt/Equity
- 19%
- Revenue Growth
- N/A
- Earnings Growth
- 10.8%
- Dividend Yield
- 0.5%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance