First Financial Bancorp. (NASDAQ:FFBC) versus Triumph Financial (NYSE:TFIN) Head to Head Comparison

First Financial Bancorp. (NASDAQ:FFBC) and Triumph Financial (NYSE:TFIN) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their risk, institutional ownership, analyst recommendations, earnings, profitability, dividends and valuation.

Insider and Institutional Ownership

77.2% of First Financial Bancorp. shares are held by institutional investors. Comparatively, 91.1% of Triumph Financial shares are held by institutional investors. 1.1% of First Financial Bancorp. shares are held by insiders. Comparatively, 5.5% of Triumph Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Earnings and Valuation

This table compares First Financial Bancorp. and Triumph Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Financial Bancorp.	$1.26 billion	2.62	$255.60 million	$2.83	11.12
Triumph Financial	$518.88 million	2.77	$25.36 million	$1.48	40.66

First Financial Bancorp. has higher revenue and earnings than Triumph Financial. First Financial Bancorp. is trading at a lower price-to-earnings ratio than Triumph Financial, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for First Financial Bancorp. and Triumph Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Financial Bancorp.	0	3	5	0	2.62
Triumph Financial	0	6	1	0	2.14

First Financial Bancorp. currently has a consensus price target of $34.00, suggesting a potential upside of 8.06%. Triumph Financial has a consensus price target of $84.80, suggesting a potential upside of 40.92%. Given Triumph Financial’s higher probable upside, analysts clearly believe Triumph Financial is more favorable than First Financial Bancorp..

Profitability

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

	Net Margins	Return on Equity	Return on Assets
First Financial Bancorp.	20.77%	11.13%	1.49%
Triumph Financial	7.17%	4.69%	0.62%

Volatility & Risk

First Financial Bancorp. has a beta of 0.91, suggesting that its share price is 9% less volatile than the S&P 500. Comparatively, Triumph Financial has a beta of 1.37, suggesting that its share price is 37% more volatile than the S&P 500.

Summary

First Financial Bancorp. beats Triumph Financial on 8 of the 14 factors compared between the two stocks.

About First Financial Bancorp.

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking, savings, and money-market accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for commercial customers. It also provides real estate loans secured by residential property, such as one to four family residential housing units or commercial property comprising owner-occupied and/or investor income producing real estate consisting of apartments, shopping centers, and office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment, as well as equipment and leasehold improvement financing for franchisees; consumer loans comprising new and used vehicle loans, second mortgages on residential real estate, and unsecured loans; and home equity lines of credit. In addition, the company offers commercial financing to the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees. Further, it provides a range of trust and wealth management services; lease and equipment financing services; and currency payments, foreign exchange hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

About Triumph Financial

Triumph Bancorp, Inc. operates as a financial holding company for TBK Bank, SSB that provides various banking and commercial finance products and services to retail customers and small-to-mid-sized businesses in the United States. The company operates through four segments: Banking, Factoring, Payments, and Corporate. It offers depository products, including checking, savings, and money market accounts, as well as certificates of deposit; and commercial and industrial loans, loans to purchase capital equipment, and business loans for working capital and operational purposes. The company also provides asset-based, and equipment and premium finance loans; real estate loans to finance commercial properties; to factoring services the transportation and non-transportation sectors; agriculture loans; commercial construction, land, and land development loans; mortgage warehouse loans; residential real estate loans; and consumer loans. In addition, it offers debit cards; electronic banking, trust, and treasury management services; and insurance brokerage services. As of December 31, 2021, the company operated through a network of 10 branches in the Quad Cities Metropolitan Area of Iowa and Illinois; 8 branches in northern and central Illinois; 7 branches in southern Colorado; 3 branches in New Mexico; 31 branches in central and eastern Colorado; and 2 branches in far western Kansas, as well as a branch office dedicated to deposit gathering activities in Dallas, Texas. Triumph Bancorp, Inc. was founded in 1981 and is headquartered in Dallas, Texas.