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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. 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%
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% (at or above 15%: strong)
Next Y EPS Growth 12.04%
Next Y revenue growth (14.16%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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. $3.5B 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.

Source: company filings (standardised) and stockrow calculations.

First Financial Bancorp. (FFBC) Latest News

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