Friday 6 November 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.

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

Quarter to September 2026, against a year earlier

32.57 0.07 +0.22%

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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

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	19.90	16.40	12.23	12.59	10.96	11.24	10.49	8.73	11.06	9.30
Piotroski F-Score Full definition →	7	5	5	4	5	7	6	7	5	5
P/S ratio Full definition →	4.67	3.97	3.26	3.38	2.39	3.54	2.95	1.99	2.07	1.89
P/FCF ratio Full definition →	13.20	13.89	8.68	15.12	18.57	6.21	14.50	5.54	13.70	7.64
P/Operating CF Full definition →	27.03	53.20	24.50	31.97	11.21	22.03	85.77	19.13	34.27	19.52
P/B ratio Full definition →	2.03	1.75	1.01	1.11	0.75	1.03	1.12	0.98	1.04	0.86
Price to Tangible BV Full definition →	2.68	2.25	1.82	2.03	1.33	2.01	2.42	1.89	1.88	1.54
EV/Sales Full definition →	6.28	5.62	5.06	5.15	3.13	3.84	4.09	2.12	2.13	2.22
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	16.53	18.63	12.50	20.44	20.59	6.48	15.76	4.85	9.94	8.28
EV/FCF Full definition →	17.74	19.67	13.44	23.03	24.28	6.75	20.09	5.88	14.07	8.96
Quick Ratio Full definition →	0.03	0.03	0.03	0.02	0.02	0.03	0.04	0.07	0.06	0.05
Current Ratio Full definition →	0.92	0.92	0.91	0.95	0.86	0.79	0.89	0.91	0.90	0.89
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	9.57%	9.69%	10.21%	10.79%	4.86%	3.89%	8.68%	6.53%	5.24%	5.63%
Debt/Equity Full definition →	0.93	0.93	0.69	0.70	0.34	0.28	0.72	0.50	0.40	0.43
Asset Turnover Full definition →	0.05	0.05	0.06	0.05	0.05	0.04	0.05	0.06	0.07	0.06
Operating CF/Net income Full definition →	1.61	1.28	1.51	0.94	0.70	1.89	0.92	1.90	1.15	1.32
Capex/Depreciation Full definition →	(0.45)	(0.28)	(0.52)	(0.53)	(0.30)	(0.25)	(0.98)	(2.30)	(2.31)	(0.90)
ROE Full definition →	10.57%	10.78%	11.47%	9.16%	6.88%	9.04%	10.12%	11.87%	9.73%	9.82%
ROA Full definition →	1.07%	1.12%	1.51%	1.39%	1.02%	1.27%	1.31%	1.48%	1.27%	1.29%
ROIC Full definition →	5.56%	4.52%	4.14%	4.27%	4.11%	6.12%	5.17%	8.28%	6.69%	6.31%
Return on Tangible Assets Full definition →	(22.57%)	(20.51%)	(23.35%)	(61.73%)	(9.54%)	(7.65%)	(16.66%)	(24.09%)	(18.15%)	(15.64%)
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	56.33%	59.19%	51.42%	49.14%	63.03%	56.95%	55.77%	45.71%	44.33%	44.95%
Intangible Assets out of Total Assets Full definition →	0.03	0.02	0.07	0.07	0.06	0.07	0.06	0.06	0.06	0.06
Share Based Compensation of Revenue Full definition →	1.43%	1.33%	0.97%	1.08%	1.08%	1.47%	1.73%	1.34%	1.28%	1.24%
Graham Net Nets Full definition →	(0.76)	(0.90)	(1.13)	(0.84)	(1.53)	(1.51)	(1.30)	(1.08)	(0.96)	(1.27)
Graham Number Full definition →	21.40	23.41	32.00	32.24	29.05	34.07	33.83	38.37	37.58	41.94
Earnings Yield Full definition →	5.03%	6.10%	8.18%	7.94%	9.13%	8.90%	9.54%	11.45%	9.04%	10.75%
Free Cash Flow Yield Full definition →	7.58%	7.20%	11.52%	6.61%	5.38%	16.09%	6.90%	18.06%	7.30%	13.10%
Revenue per Share Full definition →	6.14	6.65	7.27	7.52	7.33	6.89	8.28	11.87	12.98	13.22
Operating CF per Share Full definition →	2.33	2.01	2.94	1.90	1.11	4.08	2.15	5.18	2.78	3.55
Capex per Share Full definition →	(0.16)	(0.11)	(0.21)	(0.21)	(0.17)	(0.16)	(0.46)	(0.91)	(0.82)	(0.27)
Free Cash Flow per Share Full definition →	2.17	1.90	2.73	1.68	0.94	3.92	1.69	4.27	1.96	3.28
Cash per Share Full definition →	3.33	3.00	3.09	2.62	2.58	4.58	6.37	10.71	9.58	8.14
Shareholders Equity per Share Full definition →	14.14	15.13	23.46	22.86	23.44	23.77	21.83	24.14	25.83	29.06
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	14.14	15.13	23.46	22.86	23.44	23.77	21.83	24.14	25.83	29.06
Free Cash Flow Full definition →	132.87	116.99	242.12	165.40	91.90	372.82	157.59	401.36	185.18	312.22
Working Capital Full definition →	(523.89)	(596.84)	(954.86)	(535.36)	(1,840.73)	(2,874.43)	(1,495.03)	(1,257.07)	(1,458.81)	(1,838.89)
Capital Expenditures Full definition →	(9.73)	(6.54)	(18.23)	(20.93)	(16.47)	(15.33)	(43.25)	(85.61)	(76.98)	(25.64)
Net Current Asset Value Full definition →	(1,331.18)	(1,458.80)	(2,382.70)	(2,100.74)	(2,616.93)	(3,509.26)	(2,971.70)	(2,401.19)	(2,431.32)	(3,027.94)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.03	0.02	0.03	0.03	0.02	0.02	0.06	0.08	0.06	0.02
Price to Operating Income Full definition →	13.41	13.43	9.81	10.30	9.26	9.62	9.45	6.98	9.46	7.42
Other line items
Depreciation/Fixed assets Full definition →	0.16	0.19	0.16	0.18	0.26	0.32	0.23	0.19	0.17	0.14
Cash ROIC Full definition →	7.08%	5.92%	6.41%	4.06%	2.78%	11.20%	3.83%	9.08%	4.29%	6.60%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.01	0.01	0.01	0.01	0.01	0.00	0.01	0.02	0.03	0.02
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	71,574.04	50,813.52	40,607.40	30,219.05	65,223.51	151,074.37	70,387.48	17,718.35	13,407.68	16,656.49
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	6,352.71	6,710.42	8,517.72	10,175.31	11,221.12	12,551.98	12,786.57	13,030.99	13,844.97	15,375.49
Average Assets Full definition →	8,292.69	8,667.45	11,441.79	14,249.15	15,242.38	16,151.14	16,666.23	17,268.11	18,051.58	19,849.82
Average Common Equity Full definition →	837.30	897.94	1,504.46	2,162.98	2,264.89	2,270.51	2,150.16	2,154.67	2,353.01	2,603.63

Show all line items

Columns are period end dates · fundamentals updated 2 Nov 2026

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