First Financial Bancorp. FFBC

32.40 0.85 2.69% as of 25 Sep
Market cap
$3.3B
P/E
11.3×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 3.54
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — 1 — 4 1 1 2 1 1 2 1
Insider Ownership 0.34%

Capital & Financial Ratios

Market Cap 3,330.00
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 11.29
P/S ratio 2.45
P/B ratio 1.13
Past 5Y EPS Growth 3.66%
This Y EPS Growth 14.61%
Next Y EPS Growth 12.28%
Next 5Y EPS Growth 12.87%
in millions of $

Dividends

Payout Ratio 0.33
Annual Dividend Rate 0.92
Annual Dividend Yield 4.22%
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 in italic, special payouts not included in total or ratios

Assets vs Liabilities

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
in millions of $

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

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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

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
in millions of $ · 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

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
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
Low Price
29.80 29.40 33.70 28.59 25.68 26.62 26.83 26.53 31.18 29.21
High Price
1,521 1,366 2,131 2,123 2,107 2,010 2,108 2,165 2,090 2,199
Employees
0 0 0 0 0 0 0 1 1 1
Revenue/Emp
376 409 644 739 714 655 775 1,115 1,226 1,259
Revenue
91.14% 87.90% 85.84% 83.31% 90.41% 95.25% 91.50% 75.32% 68.17% 71.42%
Gross Margin
131 116 214 243 184 241 242 319 268 321
EBT
34.81% 28.39% 33.28% 32.87% 25.82% 36.80% 31.20% 28.56% 21.89% 25.51%
EBT Margin
89 97 173 198 156 205 218 256 229 256
Net Income
22 23 35 40 54 61 44 37 33 29
Depreciation
6.14 6.65 7.27 7.52 7.33 6.89 8.28 11.87 12.98 13.22
Revenue/Sh
1.45 1.57 1.95 2.01 1.60 2.16 2.33 2.72 2.42 2.68
Earnings/Sh
2.33 2.01 2.94 1.90 1.11 4.08 2.15 5.18 2.78 3.55
Cash Flow/Sh
(0.16) (0.11) (0.21) (0.21) (0.17) (0.16) (0.46) (0.91) (0.82) (0.27)
Capex/Sh
2.17 1.90 2.73 1.68 0.94 3.92 1.69 4.27 1.96 3.28
Free CF/Sh
14.14 15.13 23.46 22.86 23.44 23.77 21.83 24.14 25.83 29.06
Book Value/Sh
61 62 89 98 97 95 94 94 94 95
Shares
19.90 16.40 12.23 12.59 10.96 11.24 10.49 8.73 11.06 9.30
PE Ratio
4.67 3.97 3.26 3.38 2.39 3.54 2.95 1.99 2.07 1.89
PS Ratio
2.03 1.75 1.01 1.11 0.75 1.03 1.12 0.98 1.04 0.86
PB Ratio
6.28 5.62 5.06 5.15 3.13 3.84 4.09 2.12 2.13 2.22
EV/Sales
17.74 19.67 13.44 23.03 24.28 6.75 20.09 5.88 14.07 8.96
EV/FCF
143 124 260 186 108 388 201 487 262 338
Op' Cash Flow
(10) (7) (18) (21) (16) (15) (43) (86) (77) (26)
Capex
133 117 242 165 92 373 158 401 185 312
FCF
(524) (597) (955) (535) (1,841) (2,874) (1,495) (1,257) (1,459) (1,839)
Working Cap'
807 862 1,428 1,565 776 635 1,477 1,144 973 1,189
Total Debt
603 677 1,154 1,308 525 200 881 138 68 413
Net Debt
865 931 2,078 2,248 2,282 2,259 2,041 2,268 2,438 2,769
Sh' Equity
1.07% 1.12% 1.51% 1.39% 1.02% 1.27% 1.31% 1.48% 1.27% 1.29%
ROA
5.56% 4.52% 4.14% 4.27% 4.11% 6.12% 5.17% 8.28% 6.69% 6.31%
ROIC
10.57% 10.78% 11.47% 9.16% 6.88% 9.04% 10.12% 11.87% 9.73% 9.82%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

First Financial Bancorp. (FFBC) key facts

  • First Financial Bancorp. (FFBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • First Financial Bancorp.’s revenue for fiscal 2025 (year ended December 2025) was $1.3 billion, up 2.75% from fiscal 2024.
  • Net income was $255.6 million, or $2.68 per share (basic), a net margin of 20.3%.
  • As of September 25, 2026, FFBC traded at $32.40, a market capitalization of $3.3 billion.
  • At that price the stock trades at 11.3× trailing-twelve-month earnings and 2.5× sales.
  • First Financial Bancorp. pays an annual dividend of $0.92 per share, a yield of 4.22%, with a payout ratio of 33.5%.
  • Return on equity was 9.82% and debt-to-equity 0.32.

Source: company filings (standardised) and stockrow calculations.

First Financial Bancorp. (FFBC) Latest News

News by impact score

Fine-tune

22 Jul

4 transcript

First Financial Bancorp posted record net income in Q2 2026 earnings. Record net income signals strong profitability that can lift valuation and investor sentiment.

4

First Financial Bancorp expands Chicago operations via $208M deal. $208M Chicago expansion is a major strategic market move.

3

First Financial Bancorp (FFBC) posted Q2 2026 results, with analysis questioning whether the indicated 4% undervaluation offers enough upside. Quarterly results release with accompanying valuation note can moderately shift near-term sentiment and trading levels.

3 transcript

First Financial Bancorp discussed Q2 financial results and outlook during its earnings call. Q2 earnings metrics and outlook statements can moderately shift near-term investor sentiment and valuation.

3

First Financial Bancorp. Q2 2026 earnings call covered quarterly results, financial metrics, and management outlook. Quarterly earnings updates typically produce moderate effects on near-term stock sentiment and valuation.

21 Jul

4

First Financial Bancorp reports Q2 2026 results, increases quarterly dividend, and acquires Finward Bancorp. Acquisition of Finward Bancorp plus dividend increase mark major strategic expansion and shareholder returns.

4

First Financial Bancorp acquires Finward Bancorp in a strategic expansion move. Acquisition directly boosts FFBC scale, assets, and regional footprint with lasting effects on performance.

3

First Financial Bancorp (FFBC) reported Q2 earnings and highlighted performance across key financial metrics. Q2 earnings and metric details can moderately shift near-term investor sentiment and valuation views.

14 Jul

3

First Financial Bancorp (FFBC) earnings are projected to grow, prompting assessment of whether the stock represents a buy opportunity. Projected earnings growth for FFBC may moderately lift near-term stock performance and sentiment.

8 Jun

4

First Financial Bancorp completed the conversion of BankFinancial, finalizing the integration of systems, accounts, and operations following the acquisition. Completion of the BankFinancial conversion represents a major strategic integration step that expands First Financial's footprint and alters its operational scale.

3 Jun

3

First Financial Bancorp (FFBC) upgraded to Buy rating. Buy rating upgrade may lift short-term investor sentiment and share price.

29 Apr

3

Earnings estimates for First Financial Bancorp (FFBC) are moving higher, signaling improved analyst expectations and prompting questions on whether it's time to buy the stock. Rising earnings estimates indicate moderately improved financial outlook, potentially boosting short-term market sentiment without fundamentally altering long-term trajectory.

27 Apr

4

First Financial Bancorp. (FFBC) Q1 earnings call highlights key financial results, strategic updates, and forward guidance. Q1 earnings call highlights disclose quarterly financials and outlook, likely driving significant shifts in investor sentiment and stock performance.

26 Apr

4

First Financial Bancorp. (FFBC) beat analyst earnings forecasts, leading analysts to update their models positively. Beating earnings forecasts and prompting analyst model updates boosts investor sentiment and enhances short-to-medium term stock performance.

25 Apr

4

First Financial Bancorp (FFBC) delivered strong Q1 results propelled by strategic acquisitions, expanding fee income, and rigorous margin management. Acquisitions, fee income growth, and margin discipline represent major strategic and financial advancements boosting FFBC's trajectory and investor outlook.

4

First Financial Bancorp (FFBC) Q1 2026 earnings call highlights strong earnings growth alongside other positive financial developments. Strong earnings growth indicates significant positive momentum for FFBC's financial performance and investor sentiment.

24 Apr

4

First Financial Bancorp. (FFBC) Q1 2026 earnings call summary covers quarterly financial results, strategic updates, and forward guidance. Quarterly earnings highlights and guidance directly shape investor sentiment and stock trajectory.

23 Apr

4

First Financial Bancorp. (FFBC) Q1 earnings key metrics compared to analyst estimates in detailed analysis. Q1 earnings metrics versus estimates significantly affect FFBC's financial trajectory and market sentiment.

4

First Financial Bancorp (FFBC) surpassed Q1 earnings and revenue estimates. Surpassing Q1 earnings and revenue estimates boosts investor sentiment and signals strong financial performance, significantly impacting FFBC's market trajectory.

4

First Financial Bancorp (NASDAQ:FFBC) reports bullish Q1 CY2026 results. Bullish Q1 earnings reflect strong financial performance poised to enhance investor sentiment and stock trajectory.

4

First Financial Bancorp (FFBC) announced first quarter 2026 financial results. Quarterly earnings releases significantly affect financial performance metrics and investor sentiment.

22 Apr

4

First Financial Bancorp (FFBC) reports Q1 results tomorrow, drawing investor focus on its earnings performance. Q1 earnings report anticipated to significantly impact FFBC's financial performance, stock price, and investor sentiment.

14 Feb

3

First Financial Bancorp (FFBC) delivered record Q4 results, fueling debates on its valuation sustainability and future momentum. Record Q4 results signal strong financial performance with moderate influence on trajectory amid valuation and momentum concerns.

11 Feb

3

First Financial Bancorp. (FFBC) is highlighted as a top-ranked dividend stock, emphasizing its potential for maximizing retirement portfolios. The article outlines key strategies for investors to consider when selecting dividend stocks, focusing on FFBC's strong financial performance and consistent dividend payouts. It suggests that incorporating such stocks can enhance long-term investment returns and provide stability in retirement planning. FFBC's strong dividend performance may moderately influence investor sentiment and financial stability.

5 Feb

3

First Financial Bancorp. (FFBC) is highlighted as one of three top-ranked dividend stocks that can enhance retirement income. The article emphasizes the company's strong dividend yield and consistent performance, making it an attractive option for income-focused investors. FFBC's financial stability and growth potential are underscored, positioning it favorably in the current market environment. FFBC's strong dividend yield and consistent performance may moderately influence investor sentiment and financial performance.

4 Feb

3 transcript

First Financial Bancorp's Q4 earnings call highlighted key analyst questions regarding the bank's financial performance, strategic initiatives, and market outlook. Analysts sought clarity on loan growth, credit quality, and the impact of economic conditions on operations. The management provided insights into their strategies for navigating challenges and capitalizing on opportunities in the current market environment. The earnings call addressed important operational aspects that could moderately influence financial performance and market sentiment.

3 Feb

3

First Financial Bancorp (FFBC) reported its Q4 earnings, showcasing both highs and lows compared to other regional banks. The performance metrics highlighted FFBC's strengths and weaknesses in the current market landscape, prompting analysis of its competitive positioning against peers. Investors are keenly observing these results to gauge future growth potential and market sentiment. Q4 earnings results may moderately influence FFBC's financial performance and competitive positioning in the regional banking sector.

3

First Financial Bancorp. (FFBC) is highlighted as one of three dividend stocks to consider, offering a yield of up to 4%. The article emphasizes the company's strong financial performance and commitment to returning value to shareholders through dividends. Investors looking for stable income sources may find FFBC an attractive option in the current market environment. FFBC's dividend yield and financial performance may moderately influence investor sentiment and market positioning.

31 Jan

4

First Financial Bancorp (FFBC) shares rose 7.1% following the announcement of record results for 2025 and the filing of a new share shelf registration. The strong financial performance highlights the company's growth and stability, while the share shelf filing indicates potential for future capital raising activities. Record financial results and a new share shelf filing are significant strategic moves that could enhance future growth and investor sentiment.

4

First Financial Bancorp is evaluating its growth strategies in light of a record year, balancing ambitions against potential dilution of shareholder value. The company is considering various options to expand while maintaining financial stability and shareholder interests. Strategic growth considerations could significantly influence the company's future performance and investor sentiment.

stockrow.com/FFBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com