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

32.56 0.83 −2.49%

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

Show all line items

Columns are period end dates · fundamentals updated 2 Nov 2026

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