First Financial [FFBC] vs U.S. Bancorp [USB] Detailed Stock Comparison

First Financial Bancorp.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: First Financial Bancorp. wins in 11 metrics, U.S. Bancorp wins in 8 metrics, with 0 ties. First Financial Bancorp. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric First Financial Bancorp. U.S. Bancorp Better
P/E Ratio (TTM) 10.92 11.92 First Financial Bancorp.
Price-to-Book Ratio 1.03 1.51 First Financial Bancorp.
Debt-to-Equity Ratio 0.59 1.21 First Financial Bancorp.
PEG Ratio -1.88 0.82 U.S. Bancorp
Profit Margin (TTM) 29.88% 29.29% First Financial Bancorp.
Operating Margin (TTM) 38.64% 37.84% First Financial Bancorp.
EBITDA Margin (TTM) 38.64% 37.84% First Financial Bancorp.
Return on Equity 9.82% 12.35% U.S. Bancorp
Return on Assets (TTM) 1.29% 1.14% First Financial Bancorp.
Free Cash Flow (TTM) $317.10M $7.97B U.S. Bancorp
Dividend Yield 4.08% 3.82% First Financial Bancorp.
1-Year Return 27.32% 25.83% First Financial Bancorp.
Price-to-Sales Ratio (TTM) 3.56 3.32 U.S. Bancorp
Enterprise Value $3.30B $126.46B U.S. Bancorp
EV/Revenue Ratio 3.86 4.75 First Financial Bancorp.
Revenue per Share (TTM) $9 $17 U.S. Bancorp
Earnings per Share (Diluted) $2.66 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.94 1.03 First Financial Bancorp.
Short % of Float 4.71% 0.00% U.S. Bancorp

First Financial Bancorp. vs U.S. Bancorp Stock Performance Analysis

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FFBC
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Financial Bancorp.2.59%-3.41%-0.80%6.25%16.38%18.65%
U.S. Bancorp4.37%-2.83%-3.80%-1.57%4.34%-1.46%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Financial Bancorp.27.32%47.53%20.06%55.51%104.52%84.41%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: First Financial Bancorp. vs U.S. Bancorp

MetricFFBCUSB
Market Information
Market Cap i$3.13B$88.06B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i1,055,0429,829,002
90 Day Avg. Volume i911,38710,401,007
Last Close$30.54$55.46
52 Week Range$22.93 - $31.38$42.55 - $61.19
% from 52W High-2.68%-9.36%
All-Time High$33.70 (Jun 11, 2018)$63.57 (Jan 10, 2022)
% from All-Time High-9.38%-12.76%
Growth Metrics
Quarterly Revenue Growth0.22%0.05%
Quarterly Earnings Growth-0.04%0.14%
Financial Health
Profit Margin (TTM) i0.30%0.29%
Operating Margin (TTM) i0.39%0.38%
Return on Equity (TTM) i0.10%0.12%
Debt to Equity (MRQ) i0.591.21
Cash & Liquidity
Book Value per Share (MRQ)$28.11$37.54
Cash per Share (MRQ)$12.24$31.14
Operating Cash Flow (TTM) i$337.86M$6.04B
Levered Free Cash Flow (TTM) i$255.61M$7.19B
Dividends
Last 12-Month Dividend Yield i4.08%3.82%
Last 12-Month Dividend i$1.23$2.04

Valuation & Enterprise Metrics Analysis: First Financial Bancorp. vs U.S. Bancorp

MetricFFBC (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i10.9211.92
Forward P/E i8.5710.09
PEG Ratio i-1.880.82
Price to Sales (TTM) i3.563.32
Price to Book (MRQ) i1.031.51
Market Capitalization
Market Capitalization i$3.13B$88.06B
Enterprise Value i$3.30B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i3.864.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.941.03
Book Value per Share (MRQ) i$28.11$37.54

Financial Statements Comparison: First Financial Bancorp. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricFFBC (2025)USB (2025)
Revenue/Sales i899.48M28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i321.27M9.52B
Pre-Tax Income % of Revenue i35.7%33.3%
Income Tax i65.67M1.92B
Income Tax % of Revenue i7.3%6.7%
Net Income (Profit) i255.61M7.60B
Profit Margin i28.4%26.6%

Balance Sheet & Liquidity Metrics

MetricFFBC (2025)USB (2025)
Cash & Equivalents i775.89M46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i514.05M60.76B
Long-Term Debt % of Revenue i57.1%212.9%
Total Shareholders Equity i2.77B65.65B
Retained Earnings i1.44B80.91B
Retained Earnings % of Revenue i159.8%283.5%
Property, Plant & Equipment i214.00M1.51B

Cash Flow Statement Comparison

MetricFFBC (2025)USB (2025)
Operating Cash Flow i297.25M6.04B
Operating Cash Flow % of Revenue i33.0%21.2%
Capital Expenditures i-20.76MN/A
Free Cash Flow i317.10M7.97B
FCF Margin i35.3%27.9%
Debt Repayment i-131.49M-9.05B
Common Stock Repurchase iN/A-489.00M

Short Interest & Institutional Ownership Analysis

MetricFFBCUSB
Shares Short i4.24M27,002
Short Ratio i5.220.00
Short % of Float i4.71%0.00%
Shares Outstanding i98.52M1.56B
Float Shares i97.57M1.55B
% Held by Insiders i1.03%0.14%
% Held by Institutions i78.24%83.55%
% Held by Public i20.73%16.31%

Dividend Analysis & Yield Comparison: First Financial Bancorp. vs U.S. Bancorp

MetricFFBCUSB
Last 12-Month Dividend i$1.23$2.04
Last 12-Month Dividend Yield i4.08%3.82%
3-Year Avg Annual Dividend i$1.03$1.98
3-Year Avg Dividend Yield i0.98%1.19%
3-Year Total Dividends i$3.09$5.95
Ex-Dividend DateMar 02, 2026Dec 31, 2025