FFBC
First Financial Bancorp.
Price Chart
Latest Quote
$31.94
+0.33 (+1.04%)
Current Price
| Previous Close | $31.61 |
| Open | $31.67 |
| Day High | $32.16 |
| Day Low | $31.65 |
| Volume | 578,974 |
Stock Information
| Quarterly Dividend / Yield | $1.00 / 3.13% |
| Shares Outstanding | 104.93M |
| Quarterly Dividend Yield | 3.13% |
| Quarterly Dividend | $1.00 |
| Total Debt | $1.52B |
| Cash Equivalents | $1.66B |
| Revenue | $917.19M |
| Net Income | $278.76M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $3.35B |
| P/E Ratio | 11.29 |
| EPS (TTM) | $2.83 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $3.22B |
| Sales | $917.19M |
| Income | $278.76M |
| Book/sh | $28.02 |
| Cash/sh | $15.79 |
| Employees | 2K |
Financial Ratios
| EPS Growth TTM | 45.10% |
Returns & Margins
| ROA | 1.35% |
| ROE | 10.24% |
| Operating Margin | 37.32% |
| Profit Margin | 30.39% |
Ownership
| Insider Ownership | 1.01% |
| Institutional Ownership | 85.59% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.32 |
| PEG | 1.12 |
| P/S | 3.65 |
| P/B | 1.14 |
Analyst Data
| Recommendation | none |
| Target Price | $33.43 |
Technical Indicators
| SMA20 | $31.06 |
| SMA50 | $30.26 |
| SMA200 | $27.00 |
| RSI | 67.78 |
| ATR | 0.6771 |
| Shares Float | 103.68M |
| Short Float | 4.44% |
| Short Ratio | 5.32 |
| Volatility | 0.94 |
| Rel Volume | 0.66 |
Performance History
| Week | -1.11% |
| Month | +5.72% |
| Quarter | +20.61% |
| 6 Months | +21.96% |
| YTD | +29.50% |
| Year | +42.76% |
| 3 Years | +66.46% |
| 5 Years | +56.02% |
| 10 Years | +132.35% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $31.94 | 589,104 |
| 2026-06-18 | $31.61 | 1,723,400 |
| 2026-06-17 | $31.46 | 973,700 |
| 2026-06-16 | $31.89 | 747,000 |
| 2026-06-15 | $31.71 | 684,000 |
| 2026-06-12 | $32.30 | 612,300 |
| 2026-06-11 | $31.78 | 790,400 |
| 2026-06-10 | $31.55 | 845,700 |
| 2026-06-09 | $31.38 | 1,033,800 |
| 2026-06-08 | $30.82 | 825,800 |
| 2026-06-05 | $30.85 | 880,300 |
| 2026-06-04 | $30.54 | 1,555,200 |
| 2026-06-03 | $29.77 | 887,800 |
| 2026-06-02 | $30.46 | 981,100 |
| 2026-06-01 | $30.02 | 1,157,000 |
| 2026-05-29 | $30.51 | 899,400 |
| 2026-05-28 | $30.59 | 592,100 |
| 2026-05-27 | $30.57 | 544,000 |
| 2026-05-26 | $30.90 | 821,800 |
About First Financial Bancorp.
First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and 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, such as 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 secured commercial financing services 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, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.
đ° Latest News
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $899,484,000 | $835,578,000 | $840,192,000 | $708,784,000 |
| Operating Revenue | $899,484,000 | $835,578,000 | $840,192,000 | $708,784,000 |
| Expenses | ||||
| Interest Expense | $359,858,000 | $390,085,000 | $275,234,000 | $65,863,000 |
| Rent Expense Supplemental | $53,705,000 | $44,317,000 | $32,500,000 | $20,363,000 |
| Selling And Marketing Expense | $10,170,000 | $9,026,000 | $9,647,000 | $8,744,000 |
| General And Administrative Expense | $380,794,000 | $359,915,000 | $337,179,000 | $296,925,000 |
| Professional Expense And Contract Services Expense | $14,833,000 | $14,087,000 | $9,926,000 | $9,734,000 |
| Other Non Interest Expense | $84,789,000 | $89,603,000 | $74,802,000 | $93,329,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $255,605,000 | $228,830,000 | $255,863,000 | $217,612,000 |
| Net Interest Income | $642,046,000 | $612,010,000 | $627,770,000 | $519,143,000 |
| Interest Income | $1,001,904,000 | $1,002,095,000 | $903,004,000 | $585,006,000 |
| Normalized Income | $255,605,000 | $228,830,000 | $255,863,000 | $217,612,000 |
| Net Income From Continuing And Discontinued Operation | $255,605,000 | $228,830,000 | $255,863,000 | $217,612,000 |
| Net Income Common Stockholders | $255,605,000 | $228,830,000 | $255,863,000 | $217,612,000 |
| Net Income | $255,605,000 | $228,830,000 | $255,863,000 | $217,612,000 |
| Net Income Including Noncontrolling Interests | $255,605,000 | $228,830,000 | $255,863,000 | $217,612,000 |
| Net Income Continuous Operations | $255,605,000 | $228,830,000 | $255,863,000 | $217,612,000 |
| Pretax Income | $321,270,000 | $268,324,000 | $318,596,000 | $241,722,000 |
| Depreciation Amortization Depletion Income Statement | $11,003,000 | $9,487,000 | $10,402,000 | $11,185,000 |
| Depreciation And Amortization In Income Statement | $11,003,000 | $9,487,000 | $10,402,000 | $11,185,000 |
| Amortization Of Intangibles Income Statement | $11,003,000 | $9,487,000 | $10,402,000 | $11,185,000 |
| Special Income Charges | - | - | - | $0 |
| Per Share | ||||
| Diluted EPS | $2.66 | $2.40 | $2.69 | $2.30 |
| Basic EPS | $2.68 | $2.42 | $2.72 | $2.33 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $39,823,000 | $38,418,000 | $37,799,000 | $38,807,000 |
| Diluted Average Shares | $96,157,964 | $95,405,719 | $95,096,067 | $94,586,851 |
| Basic Average Shares | $95,284,550 | $94,404,617 | $93,938,772 | $93,528,712 |
| Diluted NI Availto Com Stockholders | $255,605,000 | $228,830,000 | $255,863,000 | $217,612,000 |
| Tax Provision | $65,665,000 | $39,494,000 | $62,733,000 | $24,110,000 |
| Gain On Sale Of Security | $-22,324,000 | $-22,575,000 | $-1,052,000 | $-1,208,000 |
| Amortization | $11,003,000 | $9,487,000 | $10,402,000 | $11,185,000 |
| Selling General And Administration | $390,964,000 | $368,941,000 | $346,826,000 | $305,669,000 |
| Insurance And Claims | $11,204,000 | $11,209,000 | $11,948,000 | $7,194,000 |
| Rent And Landing Fees | $53,705,000 | $44,317,000 | $32,500,000 | $20,363,000 |
| Salaries And Wages | $315,885,000 | $304,389,000 | $292,731,000 | $269,368,000 |
| Occupancy And Equipment | $38,958,000 | $37,477,000 | $36,533,000 | $35,432,000 |
| Total Unusual Items | - | - | - | $0 |
| Total Unusual Items Excluding Goodwill | - | - | - | $0 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-18
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,550,860,000 | $1,351,094,000 | $1,178,157,000 | $945,947,000 |
| Total Assets | $21,129,379,000 | $18,570,261,000 | $17,532,900,000 | $17,003,316,000 |
| Goodwill And Other Intangible Assets | $1,218,356,000 | $1,086,947,000 | $1,089,817,000 | $1,095,426,000 |
| Other Intangible Assets | $118,832,000 | $79,291,000 | $83,949,000 | $93,919,000 |
| Receivables | $623,365,000 | $584,966,000 | $462,452,000 | $232,553,000 |
| Other Receivables | $623,365,000 | $584,966,000 | $462,452,000 | $232,553,000 |
| Cash And Cash Equivalents | $775,891,000 | $904,486,000 | $1,006,019,000 | $595,683,000 |
| Cash Financial | $178,553,000 | $174,258,000 | $213,059,000 | $207,501,000 |
| Cash Cash Equivalents And Federal Funds Sold | $775,891,000 | $904,486,000 | $1,006,019,000 | $595,683,000 |
| Accounts Receivable | - | - | - | $1,220,648,000 |
| Debt | ||||
| Net Debt | $412,344,000 | $196,955,000 | $274,299,000 | $1,036,447,000 |
| Total Debt | $1,189,384,000 | $1,102,961,000 | $1,281,929,000 | $1,633,828,000 |
| Long Term Debt And Capital Lease Obligation | $514,052,000 | $347,509,000 | $344,115,000 | $346,672,000 |
| Long Term Debt | $512,903,000 | $345,989,000 | $342,504,000 | $344,974,000 |
| Current Debt And Capital Lease Obligation | $675,332,000 | $755,452,000 | $937,814,000 | $1,287,156,000 |
| Current Debt | $675,332,000 | $755,452,000 | $937,814,000 | $1,287,156,000 |
| Other Current Borrowings | $675,332,000 | $755,452,000 | $937,814,000 | $1,287,156,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $18,360,163,000 | $16,132,220,000 | $15,264,926,000 | $14,961,943,000 |
| Payables And Accrued Expenses | - | - | - | $626,938,000 |
| Payables | - | - | - | $626,938,000 |
| Accounts Payable | - | - | - | $626,938,000 |
| Equity | ||||
| Common Stock Equity | $2,769,216,000 | $2,438,041,000 | $2,267,974,000 | $2,041,373,000 |
| Total Equity Gross Minority Interest | $2,769,216,000 | $2,438,041,000 | $2,267,974,000 | $2,041,373,000 |
| Stockholders Equity | $2,769,216,000 | $2,438,041,000 | $2,267,974,000 | $2,041,373,000 |
| Gains Losses Not Affecting Retained Earnings | $-189,942,000 | $-289,799,000 | $-309,819,000 | $-358,663,000 |
| Other Equity Adjustments | $-189,942,000 | $-289,799,000 | $-309,819,000 | $-358,663,000 |
| Retained Earnings | $1,437,286,000 | $1,276,329,000 | $1,136,718,000 | $968,237,000 |
| Other | ||||
| Treasury Shares Number | $5,752,100 | $8,786,954 | $9,140,550 | $9,390,695 |
| Ordinary Shares Number | $98,521,726 | $95,494,840 | $95,141,244 | $94,891,099 |
| Share Issued | $104,273,826 | $104,281,794 | $104,281,794 | $104,281,794 |
| Tangible Book Value | $1,550,860,000 | $1,351,094,000 | $1,178,157,000 | $945,947,000 |
| Invested Capital | $3,957,451,000 | $3,539,482,000 | $3,548,292,000 | $3,673,503,000 |
| Capital Lease Obligations | $1,149,000 | $1,520,000 | $1,611,000 | $1,698,000 |
| Total Capitalization | $3,282,119,000 | $2,784,030,000 | $2,610,478,000 | $2,386,347,000 |
| Treasury Stock | $125,746,000 | $190,544,000 | $197,897,000 | $202,806,000 |
| Capital Stock | $1,647,618,000 | $1,642,055,000 | $1,638,972,000 | $1,634,605,000 |
| Common Stock | $1,647,618,000 | $1,642,055,000 | $1,638,972,000 | $1,634,605,000 |
| Long Term Capital Lease Obligation | $1,149,000 | $1,520,000 | $1,611,000 | $1,698,000 |
| Investments And Advances | $4,160,041,000 | $3,375,334,000 | $3,231,392,000 | $3,636,829,000 |
| Held To Maturity Securities | $57,825,000 | $76,960,000 | $80,321,000 | $84,021,000 |
| Available For Sale Securities | $878,833,000 | $114,598,000 | $129,945,000 | $143,160,000 |
| Goodwill | $1,099,524,000 | $1,007,656,000 | $1,005,868,000 | $1,001,507,000 |
| Net PPE | $418,763,000 | $407,084,000 | $347,954,000 | $280,818,000 |
| Accumulated Depreciation | $-146,764,000 | $-135,566,000 | $-129,311,000 | $-125,570,000 |
| Gross PPE | $565,527,000 | $542,650,000 | $477,265,000 | $406,388,000 |
| Leases | $32,747,000 | $31,953,000 | $32,060,000 | $32,515,000 |
| Construction In Progress | $14,007,000 | $9,532,000 | $8,413,000 | $5,644,000 |
| Other Properties | $214,003,000 | $209,119,000 | $153,214,000 | $91,738,000 |
| Machinery Furniture Equipment | $82,701,000 | $77,363,000 | $72,580,000 | $69,855,000 |
| Buildings And Improvements | $176,283,000 | $167,013,000 | $162,423,000 | $157,620,000 |
| Land And Improvements | $45,786,000 | $47,670,000 | $48,575,000 | $49,016,000 |
| Other Short Term Investments | $3,223,383,000 | $3,183,776,000 | $3,021,126,000 | $3,409,648,000 |
| Line Of Credit | - | - | - | $0 |
Fetched: 2026-06-18
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $317,104,000 | $241,081,000 | $462,834,000 | $187,068,000 |
| Operating Activities | ||||
| Operating Cash Flow | $337,861,000 | $262,156,000 | $486,969,000 | $200,846,000 |
| Cash Flow From Continuing Operating Activities | $337,861,000 | $262,156,000 | $486,969,000 | $200,846,000 |
| Operating Gains Losses | $6,211,000 | $10,735,000 | $-8,650,000 | $-11,838,000 |
| Investing Activities | ||||
| Capital Expenditure | $-20,757,000 | $-21,075,000 | $-24,135,000 | $-13,778,000 |
| Investing Cash Flow | $-546,724,000 | $-1,000,035,000 | $-701,265,000 | $-883,105,000 |
| Cash Flow From Continuing Investing Activities | $-546,724,000 | $-1,000,035,000 | $-701,265,000 | $-883,105,000 |
| Net Other Investing Changes | $-3,269,000 | $-50,889,000 | $-56,536,000 | $-22,423,000 |
| Financing Activities | ||||
| Financing Cash Flow | $213,158,000 | $699,078,000 | $219,854,000 | $669,729,000 |
| Cash Flow From Continuing Financing Activities | $213,158,000 | $699,078,000 | $219,854,000 | $669,729,000 |
| Net Other Financing Charges | $-4,339,000 | - | - | - |
| Cash Dividends Paid | $-94,646,000 | $-89,544,000 | $-87,159,000 | $-86,606,000 |
| Common Stock Dividend Paid | $-94,646,000 | $-89,544,000 | $-87,159,000 | $-86,606,000 |
| Repurchase Of Capital Stock | - | - | $0 | $0 |
| Net Common Stock Issuance | - | - | $0 | $0 |
| Other | ||||
| Repayment Of Debt | $-131,487,000 | - | $-3,313,000 | $-64,018,000 |
| Issuance Of Debt | $300,000,000 | $2,643,000 | $0 | $0 |
| Interest Paid Supplemental Data | $364,965,000 | $398,129,000 | $234,929,000 | $59,512,000 |
| Income Tax Paid Supplemental Data | $9,213,000 | $27,523,000 | $10,076,000 | $5,696,000 |
| End Cash Position | $178,553,000 | $174,258,000 | $213,059,000 | $207,501,000 |
| Beginning Cash Position | $174,258,000 | $213,059,000 | $207,501,000 | $220,031,000 |
| Changes In Cash | $4,295,000 | $-38,801,000 | $5,558,000 | $-12,530,000 |
| Proceeds From Stock Option Exercised | $0 | $0 | $48,000 | $177,000 |
| Net Issuance Payments Of Debt | $9,963,000 | $-179,719,000 | $-352,655,000 | $926,935,000 |
| Net Short Term Debt Issuance | $-158,550,000 | $-182,362,000 | $-349,342,000 | $990,953,000 |
| Net Long Term Debt Issuance | $168,513,000 | $2,643,000 | $-3,313,000 | $-64,018,000 |
| Long Term Debt Payments | $-131,487,000 | - | $-3,313,000 | $-64,018,000 |
| Long Term Debt Issuance | $300,000,000 | $2,643,000 | $0 | $0 |
| Net Investment Purchase And Sale | $-370,521,000 | $-124,695,000 | $453,580,000 | $313,555,000 |
| Sale Of Investment | $1,498,523,000 | $904,886,000 | $566,617,000 | $996,034,000 |
| Purchase Of Investment | $-1,869,044,000 | $-1,029,581,000 | $-113,037,000 | $-682,479,000 |
| Net Business Purchase And Sale | $-187,186,000 | $-96,887,000 | $-3,535,000 | $0 |
| Net PPE Purchase And Sale | $-20,757,000 | $-21,075,000 | $-24,135,000 | $-13,778,000 |
| Purchase Of PPE | $-20,757,000 | $-21,075,000 | $-24,135,000 | $-13,778,000 |
| Change In Working Capital | $-39,582,000 | $-104,736,000 | $127,677,000 | $-74,578,000 |
| Change In Other Current Liabilities | $7,218,000 | $70,839,000 | $-62,507,000 | $164,302,000 |
| Change In Other Current Assets | $-43,870,000 | $-172,489,000 | $159,446,000 | $-226,398,000 |
| Change In Payables And Accrued Expense | $-5,470,000 | $-8,044,000 | $40,305,000 | $6,652,000 |
| Change In Payable | $-5,470,000 | $-8,044,000 | $40,305,000 | $6,652,000 |
| Change In Account Payable | $-5,470,000 | $-8,044,000 | $40,305,000 | $6,652,000 |
| Change In Receivables | $2,540,000 | $4,958,000 | $-9,567,000 | $-19,134,000 |
| Changes In Account Receivables | $2,540,000 | $4,958,000 | $-9,567,000 | $-19,134,000 |
| Other Non Cash Items | $6,904,000 | $1,289,000 | $-4,280,000 | $-3,563,000 |
| Stock Based Compensation | $15,590,000 | $15,693,000 | $14,898,000 | $13,379,000 |
| Amortization Of Securities | $-3,264,000 | $3,066,000 | $7,190,000 | $12,819,000 |
| Deferred Tax | $18,907,000 | $21,202,000 | $13,365,000 | $-3,505,000 |
| Deferred Income Tax | $18,907,000 | $21,202,000 | $13,365,000 | $-3,505,000 |
| Depreciation Amortization Depletion | $39,823,000 | $38,418,000 | $37,799,000 | $38,807,000 |
| Depreciation And Amortization | $39,823,000 | $38,418,000 | $37,799,000 | $38,807,000 |
| Depreciation | $39,823,000 | $38,418,000 | $37,799,000 | $38,807,000 |
| Pension And Employee Benefit Expense | $8,772,000 | $6,078,000 | $3,515,000 | $2,002,000 |
| Gain Loss On Investment Securities | $22,324,000 | $22,575,000 | $1,052,000 | $1,208,000 |
| Net Income From Continuing Operations | $255,605,000 | $228,830,000 | $255,863,000 | $217,612,000 |
| Common Stock Payments | - | - | $0 | $0 |
| Sale Of Business | - | - | - | - |
| Purchase Of Business | - | - | - | - |
| Change In Other Working Capital | - | - | - | - |
Fetched: 2026-06-18