FFBC
First Financial Bancorp
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: FFBC
- PE Ratio
As of Jul 13, 2026, the First Financial Bancorp stock's P/E ratio is 12.03. This takes into account the latest EPS of $2.86 and stock price of $34.42. The PE ratio has increased by 27% from its last 4 quarters average of 9.5.
FFBC PE ratio history
The PE ratio of First Financial Bancorp has averaged 11.81 over the last ten years. The current price-to-earnings ratio of 12.03 is in line with the historical average. Analyzing the last ten years, FFBC's PE ratio reached its highest point in the Dec 2016 quarter at 19.62, when the price was $28.45 and the EPS was $1.45. The lowest point was recorded in the Sep 2023 quarter, when it reached 6.85 with a price of $19.6 and an EPS of $2.86.
First Financial Bancorp PE ratio by year
Maximum annual increase: 64.68% in 2013
Maximum annual decrease: -27.53% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 9.34 | -15.93% | $25.02 | $2.68 |
| 2024 | 11.11 | 27.26% | $26.88 | $2.42 |
| 2023 | 8.73 | -16.06% | $23.75 | $2.72 |
| 2022 | 10.4 | -7.88% | $24.23 | $2.33 |
| 2021 | 11.29 | 3.01% | $24.38 | $2.16 |
| 2020 | 10.96 | -13.43% | $17.53 | $1.6 |
| 2019 | 12.66 | 4.11% | $25.44 | $2.01 |
| 2018 | 12.16 | -27.53% | $23.72 | $1.95 |
| 2017 | 16.78 | -14.48% | $26.35 | $1.57 |
| 2016 | 19.62 | 33.56% | $28.45 | $1.45 |
| 2015 | 14.69 | -12.3% | $18.07 | $1.23 |
| 2014 | 16.75 | -19.28% | $18.59 | $1.11 |
| 2013 | 20.75 | 64.68% | $17.43 | $0.84 |
| 2012 | 12.6 | -12.13% | $14.62 | $1.16 |
| 2011 | 14.34 | -21.64% | $16.64 | $1.16 |
First Financial Bancorp PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 9.75 | 4.39% | $27.88 | $2.86 |
| Dec 2025 | 9.34 | 0.65% | $25.02 | $2.68 |
| Sep 2025 | 9.28 | -3.63% | $25.25 | $2.72 |
| Jun 2025 | 9.63 | -6.69% | $24.26 | $2.52 |
| Mar 2025 | 10.32 | -7.11% | $24.98 | $2.42 |
| Dec 2024 | 11.11 | 3.06% | $26.88 | $2.42 |
| Sep 2024 | 10.78 | 18.85% | $25.23 | $2.34 |
| Jun 2024 | 9.07 | 1.57% | $22.22 | $2.45 |
| Mar 2024 | 8.93 | 2.29% | $22.42 | $2.51 |
| Dec 2023 | 8.73 | 27.45% | $23.75 | $2.72 |
| Sep 2023 | 6.85 | -6.55% | $19.6 | $2.86 |
| Jun 2023 | 7.33 | -11.15% | $20.44 | $2.79 |
| Mar 2023 | 8.25 | -20.67% | $21.77 | $2.64 |
| Dec 2022 | 10.4 | 3.59% | $24.23 | $2.33 |
| Sep 2022 | 10.04 | 10.69% | $21.08 | $2.1 |
FFBC Price vs fair value
FFBC average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, FFBC's PE ratio is above its 3, 5 and 10-year averages.
PE comparison
With a price to earnings (P/E) of 12.03, FFBC stands lower than the Financial Services sector, the industry and its peers average. Looking at the Financial Services sector average of 13.38, First Financial Bancorp's price to earnings (P/E) is 10% lower.
FFBC PE vs peers
FFBC's PE ratio is less than its peer stocks HBAN and WSBC, but it is above FMNB's and LCNB's. First Financial Bancorp is currently trading at a lower PE ratio (12.03) than its peers average of 12.34.
| Stock name | PE ratio | Market cap |
|---|---|---|
| FMNB Farmers National Banc Corp | 9.93 | $852.7M |
| SBFG Sb Financial Group Inc | 10.41 | $166.64M |
| LCNB Lcnb Corp | 11.03 | $253.01M |
| UBCP United Bancorp Inc | 11.34 | $88.51M |
| FFBC First Financial Bancorp | 12.03 | $3.61B |
| PEBO Peoples Bancorp Inc | 12.19 | $1.38B |
| WSBC Wesbanco Inc | 12.5 | $3.76B |
| OVBC Ohio Valley Banc Corp | 13.12 | $202.71M |
| HBAN Huntington Bancshares Inc | 13.58 | $36.35B |
| PRK Park National Corp | 16.95 | $3.36B |
Frequently asked questions
What is First Financial Bancorp's PE ratio?
FFBC's price to earnings ratio is 12.03 as of Jul 13, 2026.
What is the 3-year average PE ratio for First Financial Bancorp (FFBC)?
The 3-year average PE ratio for FFBC stock is 9.44.
What is the 5-year average PE ratio for First Financial Bancorp (FFBC)?
The 5-year average PE ratio for FFBC stock is 9.57.
What is the highest PE ratio for FFBC?
Over the last ten years, the Dec 2016 quarter recorded the highest quarterly PE ratio at 19.62.
How does the current PE ratio for FFBC compare to its historical average?
FFBC's price to earnings ratio is currently 1.9% above its 10-year historical average.
How is FFBC's PE ratio calculated (First Financial Bancorp PE ratio formula)?
The P/E ratio is calculated by taking the latest stock price and dividing it by the earnings per share(EPS) for the last 12 months. As of today (Jul 13, 2026), First Financial Bancorp's share price is $34.42. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $2.86. Therefore, First Financial Bancorp's price to earnings ratio for today is 12.03. PE RATIO(12.03) = STOCK PRICE($34.42) / TTM EPS($2.86)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.