First Financial Bancorp. (FFBC) vs Mechanics Bank (MCHB)
A side-by-side comparison of First Financial Bancorp. and Mechanics Bank across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — FFBC vs MCHB
growth of $100 · dividends reinvested · last 10yFFBC vs MCHB: by the numbers
- •FFBC is the larger company ($3.31B vs $3.30B market cap).
- •FFBC trades at the lower trailing earnings multiple (11.14 vs 11.99 P/E), one valuation lens rather than an overall verdict.
- •MCHB converts more revenue to profit (26.53% vs 21.41% net margin).
- •MCHB grew revenue faster over the past five years (21.79% vs 13.90% CAGR).
- •MCHB pays the higher dividend yield (10.43% vs 3.21%).
Metrics side by side
Valuation
| Metric | FFBC | MCHB |
|---|---|---|
| P/E ratio | 11.14 | 11.99 |
| Forward P/E | 10.35 | 14.41 |
| PEG ratio | 1.03 | 0.43 |
| P/S ratio | 2.48 | 3.12 |
| P/B ratio | 1.11 | 1.23 |
Profitability
| Metric | FFBC | MCHB |
|---|---|---|
| Operating margin | 26.86% | 31.51% |
| Net margin | 21.41% | 26.53% |
| ROE | 9.55% | 10.46% |
First Financial Bancorp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Mechanics Bank: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | FFBC | MCHB |
|---|---|---|
| Dividend yield | 3.21% | 10.43% |
| Payout ratio | 35.69% | 124.80% |
Growth (annualized)
| Metric | FFBC | MCHB |
|---|---|---|
| Revenue CAGR (5Y) | 13.90% | 21.79% |
| EPS CAGR (5Y) | 10.95% | 28.37% |
| Total return CAGR (5Y) | 9.86% | -15.32% |
Frequently asked
- Which has the lower trailing P/E, FFBC or MCHB?
- FFBC has the lower trailing P/E: FFBC trades at 11.14 and MCHB at 11.99. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, FFBC or MCHB?
- Over the past five years, MCHB grew revenue faster — FFBC at a 13.90% CAGR versus MCHB at 21.79%.
- Does FFBC or MCHB pay a bigger dividend?
- FFBC yields 3.21% and MCHB yields 10.43% based on trailing dividends and the latest price.
- Is FFBC or MCHB more profitable?
- MCHB runs the higher net margin — FFBC at 21.41% versus MCHB at 26.53%.
- How have FFBC and MCHB total returns compared?
- Over the past 10 years, FFBC delivered 7.73% and MCHB delivered -2.87% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
First Financial Bancorp. & Mechanics Bank appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.