Saturday 17 October 2026 Export FFBC’s income statement to Excel — free account

First Financial Bancorp.

First Financial Bancorp.’s revenue for fiscal 2025 (year ended December 2025) was $1.3 billion, up 2.75% from fiscal 2024. In the quarter to June 2026, revenue grew 13.0%, EPS was flat, free cash flow fell 101.0% and total debt fell 7.06%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.

31.48 0.07 +0.22%

Follow FFBC

Alert me

Market cap: $3.3B
P/E: 11.0×
Fwd P/E: 9.7×
Dividend yield: 3.21%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 3.54

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	1	—	4	1	1	2	1	1	2	1	—

Insider Ownership 0.39%

Capital & Financial Ratios $m

Market Cap 3,300.00

Revenue 1,372.91

Net Income 285.22

Free Cash Flow 731.79

Net Debt 167.00

Current Ratio 0.85

Debt/Equity 0.32

P/E ratio 10.97

Fwd P/E 9.66

P/S ratio 2.38

P/B ratio 1.10

Past 5Y EPS Growth 10.84%

This Y EPS Growth 15.57%

Next Y EPS Growth 12.04%

Next Y revenue growth (14.16%)

Next 5Y EPS Growth 12.79%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 42.09%

10-year low 10-year high

P/S against its own 10 years 36.60%

10-year low 10-year high

P/B against its own 10 years 59.64%

10-year low 10-year high

Dividends

Payout Ratio 0.36

Annual Dividend Rate 1.01

Annual Dividend Yield 3.21%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.02	0.25 0.25 0.26
2025	0.98	0.24 0.24 0.25 0.25
2024	0.94	0.23 0.23 0.24 0.24
2023	0.92	0.23 0.23 0.23 0.23
2022	0.92	0.23 0.23 0.23 0.23
2021	0.92	0.23 0.23 0.23 0.23
2020	0.92	0.23 0.23 0.23 0.23
2019	1.13	0.22 0.22 0.23 0.23 0.23
2018	0.78	0.19 0.19 0.20 0.20
2017	0.68	0.17 0.17 0.17 0.17
2016	0.64	0.16 0.16 0.16 0.16

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	1,006	904	776	786
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	12,864	13,701	15,332	15,810

	2023	2024	2025	Q'26
Payables	13,361	14,329	16,422	17,583
ST’ Debt	—	—	—	—
Other	—	—	—	—
	14,121	15,160	17,171	18,500

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	364	355	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.71	0.73	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	13.76	22.80	22.27	22.07	10.83	17.18	18.75	17.23	20.59	21.10	Analyst estimates 2026–2028 Powerpack
	High	29.80	29.40	33.70	28.59	25.68	26.62	26.83	26.53	31.18	29.21
People
People	Employees	1,521	1,366	2,131	2,123	2,107	2,010	2,108	2,165	2,090	2,199
	Revenue/emp, $m	0.25	0.30	0.30	0.35	0.34	0.33	0.37	0.52	0.59	0.57
Income, $m
Income, $m	Revenue	376	409	644	739	714	655	775	1,115	1,226	1,259
	Gross margin, %	91.14	87.90	85.84	83.31	90.41	95.25	91.50	75.32	68.17	71.42
	EBT	131	116	214	243	184	241	242	319	268	321
	EBT margin, %	34.81	28.39	33.28	32.87	25.82	36.80	31.20	28.56	21.89	25.51
	Net income	89	97	173	198	156	205	218	256	229	256
	Depreciation	22	23	35	40	54	61	44	37	33	29
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
	Earnings	1.45	1.57	1.95	2.01	1.60	2.16	2.33	2.72	2.42	2.68
	Cash flow	2.33	2.01	2.94	1.90	1.11	4.08	2.15	5.18	2.78	3.55
	Capex	(0.16)	(0.11)	(0.21)	(0.21)	(0.17)	(0.16)	(0.46)	(0.91)	(0.82)	(0.27)
	Free cash flow	2.17	1.90	2.73	1.68	0.94	3.92	1.69	4.27	1.96	3.28
	Book value	14.14	15.13	23.46	22.86	23.44	23.77	21.83	24.14	25.83	29.06
	Shares, m	61	62	89	98	97	95	94	94	94	95
Valuation, ×
Valuation, ×	P/E	19.90	16.40	12.23	12.59	10.96	11.24	10.49	8.73	11.06	9.30
	P/S	4.67	3.97	3.26	3.38	2.39	3.54	2.95	1.99	2.07	1.89
	P/B	2.03	1.75	1.01	1.11	0.75	1.03	1.12	0.98	1.04	0.86
	EV/Sales	6.28	5.62	5.06	5.15	3.13	3.84	4.09	2.12	2.13	2.22
	EV/FCF	17.74	19.67	13.44	23.03	24.28	6.75	20.09	5.88	14.07	8.96
Cash, $m
Cash, $m	Operating cash flow	143	124	260	186	108	388	201	487	262	338
	Capex	(10)	(7)	(18)	(21)	(16)	(15)	(43)	(86)	(77)	(26)
	Free cash flow	133	117	242	165	92	373	158	401	185	312
Balance, $m
Balance, $m	Working capital	(524)	(597)	(955)	(535)	(1,841)	(2,874)	(1,495)	(1,257)	(1,459)	(1,839)
	Total debt	807	862	1,428	1,565	776	635	1,477	1,144	973	1,189
	Net debt	603	677	1,154	1,308	525	200	881	138	68	413
	Shareholders’ equity	865	931	2,078	2,248	2,282	2,259	2,041	2,268	2,438	2,769
Returns, %
Returns, %	ROA	1.07	1.12	1.51	1.39	1.02	1.27	1.31	1.48	1.27	1.29
	ROIC	5.56	4.52	4.14	4.27	4.11	6.12	5.17	8.28	6.69	6.31
	ROE	10.57	10.78	11.47	9.16	6.88	9.04	10.12	11.87	9.73	9.82

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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.	$3.5B	18.2×	14.1×	+71.53% (above 0%: growing)	+11.67% (above 0%: growing)	+139.43% (above 0%: growing)	74.94%	0.00%	Compare
FIBK First Interstate BancSystem, Inc.	$3.3B	10.7×	13.4×	−1.86% (below 0%: shrinking)	+26.09% (above 0%: growing)	−12.42% (below 0%: shrinking)	79.42%	0.00%	Compare
MCHB Mechanics Bancorp	$3.3B	11.6×	14.9×	+32.34% (above 0%: growing)	+18.88% (above 0%: growing)	−31.39% (below 0%: shrinking)	76.78%	0.00%	Compare
FFBC First Financial Bancorp.	$3.3B	11.0×	9.7×	+12.98% (above 0%: growing)	0.00%	−101.00% (below 0%: shrinking)	74.47%	0.00%
TOWN Towne Bank	$3.3B	9.9×	8.3×	+85.30% (above 0%: growing)	+303.85% (above 0%: growing)	+9.18% (above 0%: growing)	85.47%	0.00%	Compare
PRK Park National Corporation	$3.2B	15.9×	14.7×	+25.60% (above 0%: growing)	+9.06% (above 0%: growing)	+4.77% (above 0%: growing)	84.20%	0.00%	Compare
SFNC Simmons First National Corporation	$3.2B	— (loss-making)	10.5×	−0.49% (below 0%: shrinking)	+6.98% (above 0%: growing)	+89.30% (above 0%: growing)	69.90%	0.00%	Compare
CBU Community Financial System, Inc.	$3.1B	14.0×	13.3×	+8.48% (above 0%: growing)	+19.59% (above 0%: growing)	+15.96% (above 0%: growing)	83.15%	0.00%	Compare
SBCF Seacoast Banking Corporation of Florida	$3.1B	20.5×	14.1×	+30.05% (above 0%: growing)	+10.00% (above 0%: growing)	−19.23% (below 0%: shrinking)	73.47%	0.00%	Compare
Median of peers	$3.2B	14.0×	13.8×	+27.83%	+15.28%	+6.98%	78.10%	0.00%

All 323 Banks Regional stocks →

First Financial Bancorp. (FFBC) key facts

Strength: First Financial Bancorp.’s revenue for fiscal 2025 (year ended December 2025) was $1.3 billion, up 2.75% from fiscal 2024.
Strength: Net income was $255.6 million, or $2.68 per share (basic), a net margin of 20.3%.
First Financial Bancorp. (FFBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, FFBC traded at $31.48, a market capitalization of $3.3 billion.
At that price the stock trades at 11.0× trailing-twelve-month earnings and 2.4× sales; its P/E is higher than 42% of its own readings over the past ten years.
First Financial Bancorp. pays an annual dividend of $1.01 per share, a yield of 3.21%, with a payout ratio of 35.7%.
Return on equity was 9.82% and debt-to-equity 0.32.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.