First Financial Bancorp. (NASDAQ: FFBC) is one of 327 publicly-traded companies in the “Banks” industry, but how does it contrast to its peers? We will compare First Financial Bancorp. to related businesses based on the strength of its dividends, risk, profitability, analyst recommendations, earnings, institutional ownership and valuation.

Dividends

First Financial Bancorp. pays an annual dividend of $0.68 per share and has a dividend yield of 2.5%. First Financial Bancorp. pays out 43.0% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 2.0% and pay out 36.7% of their earnings in the form of a dividend.

Profitability

This table compares First Financial Bancorp. and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Financial Bancorp. 26.49% 11.22% 1.16%
First Financial Bancorp. Competitors 19.09% 8.88% 0.94%

Risk and Volatility

First Financial Bancorp. has a beta of 1.2, meaning that its stock price is 20% more volatile than the S&P 500. Comparatively, First Financial Bancorp.’s peers have a beta of 0.78, meaning that their average stock price is 22% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and price targets for First Financial Bancorp. and its peers, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Financial Bancorp. 1 3 3 0 2.29
First Financial Bancorp. Competitors 2010 7995 8154 315 2.37

First Financial Bancorp. currently has a consensus target price of $28.57, indicating a potential upside of 3.33%. As a group, “Banks” companies have a potential downside of 8.55%. Given First Financial Bancorp.’s higher possible upside, equities analysts clearly believe First Financial Bancorp. is more favorable than its peers.

Institutional and Insider Ownership

74.2% of First Financial Bancorp. shares are held by institutional investors. Comparatively, 52.4% of shares of all “Banks” companies are held by institutional investors. 1.9% of First Financial Bancorp. shares are held by insiders. Comparatively, 10.5% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Earnings and Valuation

This table compares First Financial Bancorp. and its peers revenue, earnings per share and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
First Financial Bancorp. $339.87 million N/A 17.50
First Financial Bancorp. Competitors N/A N/A 18.70

First Financial Bancorp. is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Summary

First Financial Bancorp. beats its peers on 8 of the 14 factors compared.

First Financial Bancorp. Company Profile

First Financial Bancorp. (First Financial) is a regional bank holding company. First Financial is engaged in the business of commercial banking and other banking and banking-related activities through its subsidiary, First Financial Bank, National Association (the Bank). The range of banking services provided by First Financial to individuals and businesses include commercial lending, real estate lending and consumer financing. It offers deposit products that include interest-bearing and non-interest-bearing accounts, time deposits and cash management services for commercial customers. First Financial’s Wealth Management division provides a range of trust and asset management services. As of December 31, 2016, it operated 102 banking centers. Its banking operating markets are located within the three state region of Ohio, Indiana and Kentucky. As of December 31, 2016, it operated 60 banking centers in Ohio, 38 banking centers in Indiana and four banking centers in Kentucky.

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