Pricing Log in Create free account
Friday 6 November 2026 Export FFBC’s income statement to Excel — free account

First Financial Bancorp.

FFBC Financial Banks Regional

First Financial Bancorp.’s revenue for fiscal 2025 (year ended December 2025) was $1.3 billion, up 2.75% from fiscal 2024.

Revenue
+13.3%
EPS
+2.75%
Free cash flow
−101.0%
Total debt
+21.8%

Quarter to September 2026, against a year earlier

32.56 0.83 −2.49%
Market cap
$3.4B
P/E
11.3×
Fwd P/E
10.5×
Dividend yield
3.10%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 3.54
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 1 — 4 1 1 2 1 1 2 1 — —
Insider Ownership 0.21%

Capital & Financial Ratios $m

Size
Market Cap 3,420.00
Revenue ttm 1,416.09
Net income ttm 285.22
Free cash flow ttm 731.79
Net debt Q 197.05
Valuation
P/E 11.26
Forward P/E 10.50
Price / sales 2.39
Forward P/S Powerpack
Price / FCF 4.63
Price / book 1.17
Financial health
Current ratio Q 0.85
Debt / equity Q 0.33
Interest coverage Q —
Growth
Revenue growth Q +13.34% (above 0%: growing)
Operating income growth Q +9.82% (above 0%: growing)
EPS, this year +14.29%
EPS, next year A +13.25%
Revenue, next year A −13.84% (below 0%: weak)
EPS, past 5 yrs +10.84%
EPS, next 5 yrs A +12.45%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 46.72%
10-year low 10-year high
P/S against its own 10 years 37.04%
10-year low 10-year high
P/B against its own 10 years 69.67%
10-year low 10-year high

Dividends raised 2 years running

Yield
3.10%
Annual rate
1.01
Payout ratio
35.4%
Growth, 2017–25
+4.67%/yr
  1. 0.68 ’17
  2. 0.78 ’18 +15
  3. 1.13 ’19 +45
  4. 0.92 ’20 −19
  5. 0.92 ’21 +0
  6. 0.92 ’22 +0
  7. 0.92 ’23 +0
  8. 0.94 ’24 +2
  9. 0.98 ’25 +4
  10. 1.02 ’26e +4
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,006 904 776 743
Receivables — — — —
Inventory — — — —
Other — — — —
12,864 13,701 15,332 15,799
2023 2024 2025 Q'26
Payables 13,361 14,329 16,422 17,698
ST’ Debt — — — —
Other — — — —
14,121 15,160 17,171 18,493

Compound Annual Growth %

10y 5y 3y
Sales 13.82% 12.02% 17.58%
Cash Flow 13.95% 25.54% 18.93%
Earnings 13.04% 10.41% 5.51%
Book Value 13.09% 3.95% 10.70%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.82 Actual 0.84

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.79 0.80 Beat by 0.01
Q1 FY26 0.70 0.77 Beat by 0.07
Q2 FY26 0.81 0.80 Miss by 0.01
Q3 FY26 0.82 0.84 Beat by 0.02
Q4 FY26 0.85 — Reports 27 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.71 0.73 0.77 — —
’25 0.54 0.73 0.75 0.64 2.66
’24 0.53 0.64 0.55 0.68 2.40
’23 0.74 0.69 0.66 0.60 2.69
’22 0.44 0.55 0.59 0.73 2.30
’21 0.48 0.52 0.63 0.50 2.14
’20 0.29 0.38 0.42 0.49 1.59
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 364 355 367 — —
’25 292 314 324 330 1,259
’24 287 314 303 321 1,226
’23 264 277 289 285 1,115
’22 155 176 198 246 775
’21 163 165 163 164 655
’20 175 172 176 192 714
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 549 31 — — —
’25 56 70 90 122 338
’24 32 68 88 74 262
’23 172 107 92 116 487
’22 144 122 (92) 27 201
’21 147 59 77 105 388
’20 (126) 60 22 152 108
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 529 (1) — — —
’25 48 61 88 115 312
’24 17 59 51 59 185
’23 105 121 81 94 401
’22 129 110 (96) 16 158
’21 144 56 72 100 373
’20 (132) 56 19 149 92
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 376 409 644 739 714 655 775 1,115 1,226 1,259 1,416 +14.4% 1,085 1,204 1,236 (0.6%)
Gross margin, % 91.14 87.90 85.84 83.31 90.41 95.25 91.50 75.32 68.17 71.42 74.03 (19.7) pt
EBT 131 116 214 243 184 241 242 319 268 321 366 +10.5%
EBT margin, % 34.81 28.39 33.28 32.87 25.82 36.80 31.20 28.56 21.89 25.51 25.87 (9.3) pt
Net income 89 97 173 198 156 205 218 256 229 256 285 +12.5%
Per share, $
Per share, $ Revenue 6.14 6.65 7.27 7.52 7.33 6.89 8.28 11.87 12.98 13.22 13.62 +8.9%
Earnings 1.45 1.57 1.95 2.01 1.60 2.16 2.33 2.72 2.42 2.68 2.89 +7.1%
Cash flow 2.33 2.01 2.94 1.90 1.11 4.08 2.15 5.18 2.78 3.55 0.00 +4.8%
Capex (0.16) (0.11) (0.21) (0.21) (0.17) (0.16) (0.46) (0.91) (0.82) (0.27) 0.00 +6.0%
Free cash flow 2.17 1.90 2.73 1.68 0.94 3.92 1.69 4.27 1.96 3.28 0.00 +4.7%
Book value 14.14 15.13 23.46 22.86 23.44 23.77 21.83 24.14 25.83 29.06 27.72 +8.3%
Shares, m 61 62 89 98 97 95 94 94 94 95 102 +5.0%
Valuation, ×
Valuation, × P/E 19.90 16.40 12.23 12.59 10.96 11.24 10.49 8.73 11.06 9.30 11.26 12.3
P/S 4.67 3.97 3.26 3.38 2.39 3.54 2.95 1.99 2.07 1.89 2.39 3.0
P/B 2.03 1.75 1.01 1.11 0.75 1.03 1.12 0.98 1.04 0.86 1.17 1.2
EV/Sales 6.28 5.62 5.06 5.15 3.13 3.84 4.09 2.12 2.13 2.22 — 4.0
EV/FCF 17.74 19.67 13.44 23.03 24.28 6.75 20.09 5.88 14.07 8.96 — 15.4
Cash, $m
Cash, $m Operating cash flow 143 124 260 186 108 388 201 487 262 338 792 +10.1%
Capex (10) (7) (18) (21) (16) (15) (43) (86) (77) (26) (60) +11.4%
Free cash flow 133 117 242 165 92 373 158 401 185 312 732 +10.0%
Balance, $m
Balance, $m Working capital (524) (597) (955) (535) (1,841) (2,874) (1,495) (1,257) (1,459) (1,839) (2,694) +15.0%
Net debt 603 677 1,154 1,308 525 200 881 138 68 413 197 (4.1%)
Shareholders’ equity 865 931 2,078 2,248 2,282 2,259 2,041 2,268 2,438 2,769 2,881 +13.8%
Returns, %
Returns, % ROA 1.07 1.12 1.51 1.39 1.02 1.27 1.31 1.48 1.27 1.29 1.44 +0.2 pt
ROIC 5.56 4.52 4.14 4.27 4.11 6.12 5.17 8.28 6.69 6.31 7.45 +0.8 pt
ROE 10.57 10.78 11.47 9.16 6.88 9.04 10.12 11.87 9.73 9.82 10.68 (0.8) pt
People
People Employees 1,521 1,366 2,131 2,123 2,107 2,010 2,108 2,165 2,090 2,199 — +4.2%
Revenue/emp, $m 0.25 0.30 0.30 0.35 0.34 0.33 0.37 0.52 0.59 0.57 — +9.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

First Financial Bancorp. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NIC Nicolet Bankshares Inc. $3.6B 18.7× 17.7× +61.55% (above 0%: growing) +8.19% (above 0%: growing) +40.19% (above 0%: growing) 75.01% 0.00% Compare
RNST Renasant Corporation $3.6B 11.0× 10.9× −0.13% (below 0%: shrinking) +37.83% (above 0%: growing) +505.64% (above 0%: growing) 68.82% 0.00% Compare
FIBK First Interstate BancSystem, Inc. $3.5B 11.8× 13.4× −5.93% (below 0%: shrinking) −4.35% (below 0%: shrinking) +22.30% (above 0%: growing) 79.01% 0.00% Compare
FFBC First Financial Bancorp. $3.4B 11.3× 10.5× +13.34% (above 0%: growing) +2.75% (above 0%: growing) −101.00% (below 0%: shrinking) 74.64% 0.00%
TOWN Towne Bank $3.4B 10.2× 8.6× +85.30% (above 0%: growing) +303.85% (above 0%: growing) +9.18% (above 0%: growing) 85.47% 0.00% Compare
CBU Community Financial System, Inc. $3.4B 14.7× 13.6× +6.18% (above 0%: growing) +11.54% (above 0%: growing) +15.96% (above 0%: growing) 83.56% 0.00% Compare
MCHB Mechanics Bancorp $3.4B 11.9× 16.4× +32.34% (above 0%: growing) +18.88% (above 0%: growing) −31.39% (below 0%: shrinking) 76.78% 0.00% Compare
SFNC Simmons First National Corporation $3.4B 12.9× 12.8× +180.46% (above 0%: growing) n/m +89.30% (above 0%: growing) 70.51% 0.00% Compare
SBCF Seacoast Banking Corporation of Florida $3.3B 18.8× 16.4× +29.89% (above 0%: growing) +48.07% (above 0%: growing) −19.23% (below 0%: shrinking) 73.05% 0.00% Compare
Median of peers $3.4B 12.4× 13.5× +31.12% +18.88% +19.13% 75.90% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 16 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 3.28m 2.89m 111.72
2024 3.32m 3.45m 115.82
2023 3.36m 3.58m 115.25
2022 2.80m 2.91m 122.26
2021 3.05m 2.57m 144.59

Ownership

Directors and executive officers, together 1.08%
BlackRock, Inc. 13.05%
Dimensional Fund Advisors LP Building One 6.31%
Nomura Asset Management International Inc. 5.62%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

First Financial Bancorp. (FFBC) Latest News

2 Nov

Impact 3 · · StockStory

29 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

28 Oct

Impact 4 · · MarketBeat
Impact 4 · · The Motley Fool transcript
Impact 3 · · Associated Press
Impact 3 · · PR Newswire

27 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · StockStory

26 Oct

Impact 3 · · StockStory

22 Oct

Impact 3 · · Zacks

21 Oct

Impact 3 · · Zacks

20 Oct

Impact 3 · · Zacks

29 Sep

Impact 3 · · Zacks

27 Sep

Impact 4 ·
Impact 3 · · Simply Wall St.

22 Jul

Impact 4 · transcript
Impact 4 · · bankingdive.com
Impact 3 ·
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby

21 Jul

Impact 4 ·
Impact 4 ·
Impact 3 ·

14 Jul

Impact 3 ·

8 Jun

Impact 4 · · PR Newswire

3 Jun

Impact 3 ·

29 Apr

Impact 3 · · Zacks

27 Apr

Impact 4 · · MarketBeat

FFBC metrics, ten years each

stockrow.com/FFBC · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com