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First Financial Bancorp's (FFBC) share price has declined 1-month and YTD by 9.21% and 10.54%, respectively, but its five-year total shareholder return is 74.45%. With shares trading below analyst targets and fundamentals still strong, investors may be overlooking its growth potential. The bank is enhancing operational efficiency through internal reviews, process redesign, and technology investments, supporting improved net margins and lower noninterest expenses.

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