First Financial Bancorp. (FFBC) Financials

$23.99 -0.12 (-0.50%)

Closing price 05/23/2025 04:00 PM Eastern

Extended Trading

$23.99 0.00 (0.00%)

As of 05/23/2025 04:34 PM Eastern

Annual Income Statements for First Financial Bancorp.

This table shows First Financial Bancorp.'s income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	229	256	218	205	156	198	173	97	89	75
Consolidated Net Income / (Loss)	229	256	218	205	156	198	173	97	89	75
Net Income / (Loss) Continuing Operations	229	256	218	205	156	198	173	97	89	75
Total Pre-Tax Income	268	319	242	241	184	243	214	116	131	111
Total Revenue	836	840	709	624	646	616	553	360	342	322
Net Interest Income / (Expense)	612	628	519	452	457	484	449	284	273	247
Total Interest Income	1,002	903	585	483	525	608	540	333	306	270
Loans and Leases Interest Income	837	744	459	386	432	499	447	280	263	230
Investment Securities Interest Income	136	139	121	98	93	108	93	56	48	44
Other Interest Income	30	20	5.48	0.15	0.28	0.81	0.69	-3.52	-4.39	-4.68
Total Interest Expense	390	275	66	31	68	123	91	50	33	23
Deposits Interest Expense	331	202	28	14	42	79	57	35	23	19
Short-Term Borrowings Interest Expense	39	53	19	0.20	6.44	25	18	8.19	4.51	1.36
Long-Term Debt Interest Expense	20	20	19	16	20	19	16	6.15	6.16	2.42
Total Non-Interest Income	224	212	190	172	189	131	103	76	70	75
Service Charges on Deposit Accounts	29	27	28	32	29	38	35	20	19	-
Other Service Charges	42	36	32	30	24	34	40	29	26	50
Net Realized & Unrealized Capital Gains on Investments	0.04	17	19	41	75	31	13	13	12	12
Investment Banking Income	29	26	24	24	21	21	15	14	13	13
Other Non-Interest Income	124	105	87	45	39	7.74	0.00	0.00	-	-
Provision for Credit Losses	48	43	12	-18	71	30	15	3.58	10	9.64
Total Non-Interest Expense	520	478	455	401	391	342	324	240	201	201
Salaries and Employee Benefits	304	293	269	246	237	209	189	137	129	112
Net Occupancy & Equipment Expense	73	72	69	67	66	62	67	40	38	38
Marketing Expense	9.03	9.65	8.74	7.98	6.41	6.91	7.60	3.20	3.97	3.72
Property & Liability Insurance Claims	11	12	7.19	5.63	5.11	1.97	3.97	3.94	4.29	4.45
Other Operating Expenses	98	80	66	64	58	53	48	54	27	41
Amortization Expense	9.49	10	11	9.84	11	9.67	7.36	1.30	-	-
Other Special Charges	14	1.30	24	-	7.26	0.00	0.00	-	-1.21	1.86
Income Tax Expense	39	63	24	36	29	45	42	19	42	36
Basic Earnings per Share	$2.42	$2.72	$2.33	$2.16	$1.60	$2.01	$1.95	$1.57	$1.45	$1.23
Weighted Average Basic Shares Outstanding	94.40M	93.94M	93.53M	95.03M	97.36M	98.31M	88.58M	61.53M	61.21M	61.06M
Diluted Earnings per Share	$2.40	$2.69	$2.30	$2.14	$1.59	$2.00	$1.93	$1.56	$1.43	$1.21
Weighted Average Diluted Shares Outstanding	95.41M	95.10M	94.59M	95.90M	98.09M	98.85M	89.61M	62.17M	61.99M	61.85M
Weighted Average Basic & Diluted Shares Outstanding	95.42M	95.07M	94.87M	94.15M	97.37M	98.49M	88.50M	61.60M	61.10M	61M
Cash Dividends to Common per Share	$0.94	$0.92	$0.92	$0.92	$0.92	$0.90	$0.78	$0.68	$0.64	$0.64

This table shows First Financial Bancorp.'s income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	51	65	52	61	51	57	63	66	70	69	56
Consolidated Net Income / (Loss)	51	65	52	61	51	57	63	66	70	69	56
Net Income / (Loss) Continuing Operations	51	65	52	61	51	57	63	66	70	69	56
Total Pre-Tax Income	64	67	65	75	62	71	78	81	88	79	47
Total Revenue	200	224	201	215	195	201	212	212	215	214	180
Net Interest Income / (Expense)	149	154	156	153	149	154	155	159	159	158	138
Total Interest Income	240	252	257	253	241	238	232	224	209	190	155
Loans and Leases Interest Income	197	208	215	212	202	197	192	184	170	152	122
Investment Securities Interest Income	37	36	35	33	31	34	35	36	35	34	31
Other Interest Income	6.65	7.66	6.70	7.96	7.46	7.33	5.01	3.93	3.54	3.26	1.60
Total Interest Expense	91	97	102	99	92	85	77	65	49	32	17
Deposits Interest Expense	79	85	87	83	76	69	57	44	31	16	6.39
Short-Term Borrowings Interest Expense	7.55	6.59	9.93	11	11	10	15	16	13	11	6.16
Long-Term Debt Interest Expense	4.94	5.15	5.07	4.99	4.93	5.20	4.95	4.84	4.86	4.76	4.68
Total Non-Interest Income	51	70	46	62	47	47	57	53	56	56	43
Service Charges on Deposit Accounts	7.46	7.63	7.55	7.19	6.91	6.85	6.96	6.97	6.51	6.41	6.28
Other Service Charges	8.29	11	14	9.11	8.05	6.83	11	9.07	9.68	6.95	7.59
Net Realized & Unrealized Capital Gains on Investments	-4.06	7.07	-11	4.42	-0.15	5.64	4.03	5.20	2.46	6.32	4.30
Investment Banking Income	8.14	7.96	6.91	7.17	6.68	6.09	6.94	6.71	6.33	5.65	5.49
Other Non-Interest Income	31	36	29	34	25	22	28	25	31	31	19
Provision for Credit Losses	8.70	9.43	11	16	11	10	12	11	10	10	8.28
Total Non-Interest Expense	128	148	126	124	122	119	122	121	117	124	125
Salaries and Employee Benefits	75	80	75	75	74	71	76	74	72	74	67
Net Occupancy & Equipment Expense	19	18	18	18	18	18	18	19	18	17	17
Marketing Expense	2.02	2.20	2.26	2.61	1.96	2.09	2.60	2.80	2.16	2.20	2.52
Property & Liability Insurance Claims	3.06	2.74	3.04	2.66	2.78	3.65	2.67	2.81	2.83	2.17	1.89
Other Operating Expenses	14	38	25	22	14	21	21	19	19	6.69	34
Amortization Expense	15	-7.36	2.40	2.40	12	2.60	2.60	2.60	2.60	-1.30	2.78
Other Special Charges	0.11	-	-	-	-	-	-	-	-	-	-
Income Tax Expense	12	2.03	12	14	11	15	15	15	17	10	-8.63
Basic Earnings per Share	$0.54	$0.68	$0.56	$0.64	$0.54	$0.60	$0.67	$0.70	$0.75	$0.74	$0.60
Weighted Average Basic Shares Outstanding	94.65M	94.40M	94.47M	94.44M	94.22M	93.94M	94.03M	93.92M	93.73M	93.53M	93.58M
Diluted Earnings per Share	$0.54	$0.68	$0.55	$0.64	$0.53	$0.60	$0.66	$0.69	$0.74	$0.72	$0.59
Weighted Average Diluted Shares Outstanding	95.52M	95.41M	95.48M	95.47M	95.18M	95.10M	95.13M	95.17M	94.96M	94.59M	94.79M
Weighted Average Basic & Diluted Shares Outstanding	95.74M	95.42M	95.49M	95.48M	95.46M	95.07M	95.12M	95.12M	95.15M	94.87M	94.84M

This table details how cash moves in and out of First Financial Bancorp.'s business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Change in Cash & Equivalents	-39	5.56	-13	-11	30	-36	86	29	6.76	4.72
Net Cash From Operating Activities	262	487	201	388	108	186	260	124	143	92
Net Cash From Continuing Operating Activities	262	487	201	388	108	186	260	124	131	82
Net Income / (Loss) Continuing Operations	229	256	218	205	156	198	173	97	89	75
Consolidated Net Income / (Loss)	229	256	218	205	156	198	173	97	89	75
Provision For Loan Losses	48	43	12	-18	71	31	15	3.58	10	9.64
Depreciation Expense	30	30	31	32	33	28	24	13	13	13
Amortization Expense	11	7.19	20	29	21	11	11	11	8.48	7.90
Non-Cash Adjustments to Reconcile Net Income	49	23	-5.53	21	-43	8.36	12	-4.78	12	-11
Changes in Operating Assets and Liabilities, net	-105	128	-75	119	-130	-90	26	4.49	11	-3.33
Net Cash From Investing Activities	-1,000	-701	-883	-510	-1,203	-252	-205	-429	-313	-919
Net Cash From Continuing Investing Activities	-1,000	-701	-883	-510	-1,203	-253	-205	-429	-313	-919
Purchase of Property, Leasehold Improvements and Equipment	-21	-24	-14	-15	-16	-21	-18	-6.54	-9.73	-7.47
Purchase of Investment Securities	-1,896	-782	-1,670	-2,037	-2,325	-1,308	-971	-1,015	-838	-1,258
Sale and/or Maturity of Investments	973	167	830	1,542	1,139	1,076	720	592	534	347
Other Investing Activities, net	-56	-61	-29	0.00	0.00	-	-	-	-	-
Net Cash From Financing Activities	699	220	670	111	1,125	31	30	335	178	832
Net Cash From Continuing Financing Activities	699	220	670	111	1,125	31	30	335	178	832
Net Change in Deposits	968	660	-171	640	2,022	70	-19	369	346	524
Issuance of Debt	-180	-353	927	130	-109	275	150	6.65	0.00	397
Payment of Dividends	-90	-87	-87	-87	-90	-89	-80	-41	-39	-39
Other Financing Activities, Net	0.00	0.05	0.18	0.06	0.07	0.09	0.28	0.34	1.07	0.89
Cash Interest Paid	398	235	60	33	76	122	84	49	33	21
Cash Income Taxes Paid	28	10	5.70	18	33	27	16	38	38	31

This table details how cash moves in and out of First Financial Bancorp.'s business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	16	-16	-3.18	-5.61	-14	-7.28	2.95	18	-7.67	12	-107
Net Cash From Operating Activities	56	74	88	68	32	116	92	107	172	27	-92
Net Cash From Continuing Operating Activities	56	74	88	68	32	116	92	107	172	27	-92
Net Income / (Loss) Continuing Operations	51	65	52	61	51	57	63	66	70	69	56
Consolidated Net Income / (Loss)	51	65	52	61	51	57	63	66	70	69	56
Provision For Loan Losses	8.70	9.43	11	16	11	10	12	11	10	10	8.28
Depreciation Expense	7.33	7.49	7.67	7.78	7.40	7.36	7.63	7.52	7.52	7.34	7.74
Amortization Expense	1.69	1.99	2.72	3.11	3.34	-4.11	3.73	3.76	3.81	9.90	-0.89
Non-Cash Adjustments to Reconcile Net Income	42	14	19	-3.73	20	19	-1.25	14	-8.79	-20	6.60
Changes in Operating Assets and Liabilities, net	-54	-24	-4.36	-16	-61	27	6.89	5.49	89	-50	-169
Net Cash From Investing Activities	73	-396	7.72	-568	-43	-514	54	-184	-57	-472	-318
Net Cash From Continuing Investing Activities	73	-396	7.72	-568	-43	-514	54	-184	-57	-472	-318
Purchase of Property, Leasehold Improvements and Equipment	-3.75	-7.00	-3.67	-3.29	-7.12	-6.00	-6.10	-7.54	-4.49	-4.02	-2.53
Purchase of Investment Securities	-335	-469	-369	-676	-382	-371	-18	-312	-81	-686	-435
Sale and/or Maturity of Investments	416	87	414	117	354	-120	82	114	91	248	119
Other Investing Activities, net	-4.53	-8.04	-34	-6.00	-8.26	-16	-4.61	22	-62	-	-
Net Cash From Financing Activities	-112	306	-99	495	-2.25	390	-142	94	-122	457	303
Net Cash From Continuing Financing Activities	-112	306	-99	495	-2.25	390	-142	94	-122	457	303
Net Change in Deposits	-132	381	286	205	96	445	121	120	-26	361	63
Issuance of Debt	44	-54	-368	317	-76	-40	-242	-1.28	-70	62	265
Repayment of Debt	-1.55	-	5.34	-4.87	-1.07	-	0.75	-2.87	-4.22	-	-3.74
Payment of Dividends	-23	-23	-23	-22	-22	-22	-22	-22	-22	-22	-22
Cash Interest Paid	90	106	102	95	95	84	68	52	31	29	15
Cash Income Taxes Paid	0.11	1.59	4.68	21	0.01	1.68	0.68	7.39	0.32	0.85	0.54

This table presents First Financial Bancorp.'s assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Total Assets	18,570	17,533	17,003	16,329	15,973	14,512	13,987	301	8,438	8,147
Cash and Due from Banks	174	213	208	220	231	201	236	151	122	115
Interest Bearing Deposits at Other Banks	730	793	388	215	20	57	38	-	82	34
Trading Account Securities	3,274	3,111	3,502	4,336	3,597	3,009	3,213	-	1,816	1,938
Loans and Leases, Net of Allowance	11,605	10,792	10,166	9,156	9,725	9,144	8,768	-54	5,700	5,335
Loans and Leases	11,762	10,933	10,299	9,288	9,901	9,202	8,824	-	5,757	5,389
Allowance for Loan and Lease Losses	157	141	133	132	176	58	57	54	58	53
Premises and Equipment, Net	407	348	281	254	207	215	216	-	132	137
Goodwill	1,008	1,006	1,002	1,001	938	938	880	204	-	-
Intangible Assets	79	84	94	104	65	76	41	-	211	212
Other Assets	1,293	1,187	1,364	1,043	1,190	873	595	-	376	395
Total Liabilities & Shareholders' Equity	18,570	17,533	17,003	16,329	15,973	14,512	13,987	794	8,438	8,147
Total Liabilities	16,132	15,265	14,962	14,070	13,691	12,264	11,908	815	7,573	7,338
Non-Interest Bearing Deposits	3,132	3,318	4,135	4,186	3,764	2,644	2,492	-	1,548	1,413
Interest Bearing Deposits	11,197	10,043	8,566	8,686	8,468	7,566	7,648	-	4,978	4,766
Short-Term Debt	130	138	157	20	0.00	-	-	815	-	-
Long-Term Debt	973	1,144	1,477	635	776	1,565	1,428	-	807	969
Other Long-Term Liabilities	700	622	627	492	516	323	157	-	119	100
Total Equity & Noncontrolling Interests	2,438	2,268	2,041	2,259	2,282	2,248	2,078	-20	865	809
Total Preferred & Common Equity	2,438	2,268	2,041	2,259	2,282	2,248	2,078	931	865	809
Total Common Equity	2,438	2,268	2,041	2,259	2,282	2,248	2,078	-20	865	809
Common Stock	1,642	1,639	1,635	1,640	1,639	1,641	1,633	-	570	571
Retained Earnings	1,276	1,137	968	837	720	711	600	-	437	388
Treasury Stock	-191	-198	-203	-218	-126	-118	-111	-	-114	-119
Accumulated Other Comprehensive Income / (Loss)	-290	-310	-359	-0.43	49	13	-44	-20	-28	-31

This table presents First Financial Bancorp.'s assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	18,455	18,146	18,166	17,599	17,055	17,090	16,934	16,624
Cash and Due from Banks	191	191	194	199	220	217	200	196
Interest Bearing Deposits at Other Banks	633	661	739	751	453	485	305	339
Trading Account Securities	3,355	3,248	3,133	2,942	3,138	3,347	3,477	3,628
Loans and Leases, Net of Allowance	11,569	11,394	11,365	11,061	10,502	10,402	10,292	9,673
Loans and Leases	11,724	11,553	11,521	11,205	10,647	10,550	10,433	9,797
Allowance for Loan and Lease Losses	155	159	156	144	145	149	142	124
Premises and Equipment, Net	412	398	365	360	329	324	343	274
Goodwill	1,008	1,008	1,008	1,008	1,006	1,006	1,006	998
Intangible Assets	77	82	84	86	86	89	91	97
Other Assets	1,211	1,166	1,280	1,193	1,320	1,220	11,511	1,419
Total Liabilities & Shareholders' Equity	18,455	18,146	18,166	17,599	17,055	17,090	16,934	16,624
Total Liabilities	15,954	15,696	15,840	15,312	14,925	14,947	14,812	14,630
Non-Interest Bearing Deposits	3,161	3,108	3,061	3,176	3,439	3,605	3,830	4,137
Interest Bearing Deposits	11,036	10,840	10,600	10,281	9,477	9,190	8,845	8,203
Short-Term Debt	65	47	139	162	219	166	128	185
Long-Term Debt	1,081	1,109	1,379	1,043	1,096	1,390	1,432	1,328
Other Long-Term Liabilities	611	592	660	650	695	596	577	774
Total Equity & Noncontrolling Interests	2,501	2,450	2,326	2,287	2,130	2,143	2,121	1,994
Total Preferred & Common Equity	2,501	2,450	2,326	2,287	2,130	2,143	2,121	1,994
Total Common Equity	2,501	2,450	2,326	2,287	2,130	2,143	2,131	1,994
Common Stock	1,637	1,639	1,636	1,633	1,636	1,633	1,629	1,632
Retained Earnings	1,305	1,234	1,205	1,166	1,102	1,061	1,017	921
Treasury Stock	-187	-191	-191	-191	-198	-197	-188	-204
Accumulated Other Comprehensive Income / (Loss)	-254	-232	-323	-321	-410	-353	-328	-355

This table displays calculated financial ratios and metrics derived from First Financial Bancorp.'s official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-0.55%	18.54%	13.66%	-3.41%	4.87%	11.40%	53.64%	5.09%	6.39%	9.95%
EBITDA Growth	-12.93%	21.29%	-2.88%	26.49%	-15.45%	13.32%	78.53%	-8.30%	15.25%	14.68%
EBIT Growth	-15.78%	31.80%	0.33%	30.65%	-24.07%	13.37%	84.41%	-11.14%	17.85%	16.74%
NOPAT Growth	-10.57%	17.58%	6.07%	31.67%	-21.34%	14.76%	78.32%	9.33%	17.94%	15.48%
Net Income Growth	-10.57%	17.58%	6.07%	31.67%	-21.34%	14.76%	78.32%	9.33%	17.94%	15.48%
EPS Growth	-10.78%	16.96%	7.48%	34.59%	-20.50%	3.63%	23.72%	9.09%	18.18%	11.01%
Operating Cash Flow Growth	-46.17%	142.46%	-48.26%	258.20%	-41.84%	-28.43%	110.77%	-13.38%	55.73%	61.63%
Free Cash Flow Firm Growth	-37.63%	170.09%	-255.53%	-61.60%	936.06%	96.41%	-306.51%	656.89%	162.10%	-537.44%
Invested Capital Growth	-0.25%	-3.41%	26.13%	-4.72%	-19.80%	8.76%	1,065.93%	-82.02%	-5.93%	27.87%
Revenue Q/Q Growth	2.89%	-1.54%	8.82%	-3.63%	3.91%	0.03%	12.51%	1.95%	1.55%	1.20%
EBITDA Q/Q Growth	0.57%	-3.90%	13.40%	-2.42%	2.71%	-4.41%	30.98%	-13.83%	3.67%	2.17%
EBIT Q/Q Growth	-1.64%	-2.47%	11.47%	0.38%	-2.28%	-3.51%	34.97%	-16.46%	4.34%	2.20%
NOPAT Q/Q Growth	3.69%	-4.61%	11.33%	-0.66%	-0.23%	-3.12%	21.24%	1.61%	4.08%	1.65%
Net Income Q/Q Growth	3.69%	-4.61%	11.33%	-0.66%	-0.23%	-3.10%	21.21%	1.59%	4.08%	1.65%
EPS Q/Q Growth	3.45%	-4.27%	10.05%	0.47%	0.63%	-3.38%	9.04%	1.30%	5.15%	1.68%
Operating Cash Flow Q/Q Growth	-13.84%	22.53%	-28.11%	-10.82%	215.39%	-3.89%	26.93%	-21.75%	32.07%	23.51%
Free Cash Flow Firm Q/Q Growth	302.26%	15.37%	-16.69%	-63.20%	99.62%	-190.00%	-67.52%	1,954.80%	276.06%	-529.86%
Invested Capital Q/Q Growth	-1.81%	3.06%	4.80%	2.41%	-14.79%	-1.95%	-7.87%	-83.77%	-8.56%	8.83%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	37.08%	42.35%	41.39%	48.44%	36.99%	45.88%	45.10%	38.81%	44.48%	41.06%
EBIT Margin	32.11%	37.92%	34.10%	38.63%	28.56%	39.45%	38.76%	32.30%	38.20%	34.48%
Profit (Net Income) Margin	27.39%	30.45%	30.70%	32.90%	24.13%	32.17%	31.23%	26.91%	25.86%	23.33%
Tax Burden Percent	85.28%	80.31%	90.03%	85.15%	84.49%	81.56%	80.57%	83.32%	67.72%	67.67%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	14.72%	19.69%	9.97%	14.85%	15.51%	18.44%	19.43%	16.68%	32.28%	32.33%
Return on Invested Capital (ROIC)	6.45%	7.08%	6.61%	6.87%	4.54%	5.41%	9.07%	9.81%	5.13%	4.74%
ROIC Less NNEP Spread (ROIC-NNEP)	6.45%	7.08%	6.61%	6.87%	4.54%	5.41%	9.07%	9.81%	5.13%	4.74%
Return on Net Nonoperating Assets (RNNOA)	3.27%	4.79%	3.52%	2.17%	2.34%	3.75%	7.71%	13.10%	5.44%	4.68%
Return on Equity (ROE)	9.73%	11.87%	10.12%	9.04%	6.88%	9.16%	16.77%	22.91%	10.57%	9.42%
Cash Return on Invested Capital (CROIC)	6.71%	10.55%	-16.51%	11.71%	26.50%	-2.98%	-159.33%	148.85%	11.25%	-19.72%
Operating Return on Assets (OROA)	1.49%	1.85%	1.45%	1.49%	1.21%	1.70%	3.00%	2.66%	1.58%	1.44%
Return on Assets (ROA)	1.27%	1.48%	1.31%	1.27%	1.02%	1.39%	2.42%	2.22%	1.07%	0.98%
Return on Common Equity (ROCE)	9.73%	11.87%	10.12%	9.04%	6.88%	9.16%	16.77%	22.91%	10.57%	9.42%
Return on Equity Simple (ROE_SIMPLE)	9.39%	11.28%	10.66%	9.08%	6.83%	8.81%	8.30%	10.40%	10.23%	9.27%
Net Operating Profit after Tax (NOPAT)	229	256	218	205	156	198	173	97	89	75
NOPAT Margin	27.39%	30.45%	30.70%	32.90%	24.13%	32.17%	31.23%	26.91%	25.86%	23.33%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	46.20%	44.60%	48.99%	51.51%	47.85%	45.13%	47.73%	50.13%	49.93%	47.66%
Operating Expenses to Revenue	62.18%	56.95%	64.24%	64.27%	60.51%	55.61%	58.55%	66.71%	58.84%	62.52%
Earnings before Interest and Taxes (EBIT)	268	319	242	241	184	243	214	116	131	111
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	310	356	293	302	239	282	249	140	152	132
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.05	0.96	1.04	0.91	0.65	0.92	0.88	0.00	1.53	1.00
Price to Tangible Book Value (P/TBV)	1.90	1.85	2.24	1.79	1.16	1.68	1.58	0.00	2.02	1.35
Price to Revenue (P/Rev)	3.07	2.59	2.99	3.30	2.31	3.36	3.32	3.49	3.86	2.52
Price to Earnings (P/E)	11.22	8.50	9.73	10.04	9.56	10.45	10.62	12.99	14.91	10.78
Dividend Yield	3.50%	4.02%	4.12%	4.19%	6.05%	4.32%	4.17%	3.36%	3.00%	4.88%
Earnings Yield	8.92%	11.77%	10.28%	9.96%	10.46%	9.57%	9.42%	7.70%	6.71%	9.28%
Enterprise Value to Invested Capital (EV/IC)	0.78	0.69	0.86	0.78	0.66	0.89	0.85	6.39	1.15	0.92
Enterprise Value to Revenue (EV/Rev)	3.31	2.92	4.45	3.66	3.12	5.49	5.40	5.34	5.62	5.06
Enterprise Value to EBITDA (EV/EBITDA)	8.93	6.89	10.76	7.55	8.44	11.96	11.98	13.76	12.63	12.33
Enterprise Value to EBIT (EV/EBIT)	10.31	7.69	13.06	9.46	10.93	13.91	13.94	16.53	14.71	14.69
Enterprise Value to NOPAT (EV/NOPAT)	12.08	9.58	14.50	11.11	12.93	17.06	17.30	19.84	21.73	21.70
Enterprise Value to Operating Cash Flow (EV/OCF)	10.55	5.03	15.71	5.87	18.59	18.13	11.47	15.55	13.49	17.79
Enterprise Value to Free Cash Flow (EV/FCFF)	11.63	6.43	0.00	6.52	2.21	0.00	0.00	1.31	9.91	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.45	0.57	0.80	0.29	0.34	0.70	0.69	-39.95	0.93	1.20
Long-Term Debt to Equity	0.40	0.50	0.72	0.28	0.34	0.70	0.69	0.00	0.93	1.20
Financial Leverage	0.51	0.68	0.53	0.32	0.52	0.69	0.85	1.34	1.06	0.99
Leverage Ratio	7.67	8.01	7.75	7.11	6.73	6.59	6.94	10.34	9.90	9.64
Compound Leverage Factor	7.67	8.01	7.75	7.11	6.73	6.59	6.94	10.34	9.90	9.64
Debt to Total Capital	31.15%	36.11%	44.46%	22.47%	25.38%	41.05%	40.72%	102.57%	48.27%	54.48%
Short-Term Debt to Total Capital	3.68%	3.88%	4.28%	0.69%	0.00%	0.00%	0.00%	102.57%	0.00%	0.00%
Long-Term Debt to Total Capital	27.46%	32.23%	40.18%	21.79%	25.38%	41.05%	40.72%	0.00%	48.27%	54.48%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	68.85%	63.89%	55.54%	77.53%	74.62%	58.95%	59.28%	-2.57%	51.73%	45.52%
Debt to EBITDA	3.56	3.60	5.57	2.17	3.25	5.54	5.73	5.83	5.30	7.33
Net Debt to EBITDA	0.64	0.78	3.54	0.73	2.20	4.63	4.63	4.76	3.96	6.21
Long-Term Debt to EBITDA	3.14	3.22	5.03	2.10	3.25	5.54	5.73	0.00	5.30	7.33
Debt to NOPAT	4.82	5.01	7.51	3.19	4.98	7.90	8.27	8.42	9.12	12.90
Net Debt to NOPAT	0.87	1.08	4.77	1.07	3.37	6.60	6.69	6.86	6.81	10.93
Long-Term Debt to NOPAT	4.25	4.47	6.79	3.09	4.98	7.90	8.27	0.00	9.12	12.90
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	238	381	-544	350	911	-109	-3,033	1,469	194	-312
Operating Cash Flow to CapEx	1,243.92%	2,017.69%	1,457.73%	2,531.51%	658.10%	890.08%	1,428.28%	1,889.61%	1,466.17%	1,226.29%
Free Cash Flow to Firm to Interest Expense	0.61	1.38	-8.26	11.24	13.30	-0.88	-33.27	29.65	5.83	-13.43
Operating Cash Flow to Interest Expense	0.67	1.77	3.05	12.48	1.58	1.51	2.86	2.49	4.29	3.94
Operating Cash Flow Less CapEx to Interest Expense	0.62	1.68	2.84	11.99	1.34	1.34	2.66	2.36	3.99	3.62
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.08	0.08	0.04	0.04
Fixed Asset Turnover	2.21	2.67	2.65	2.71	3.06	2.86	0.00	0.00	2.55	2.31
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,541	3,550	3,675	2,914	3,058	3,813	3,506	301	1,673	1,778
Invested Capital Turnover	0.24	0.23	0.22	0.21	0.19	0.17	0.29	0.36	0.20	0.20
Increase / (Decrease) in Invested Capital	-8.90	-125	761	-144	-755	307	3,205	-1,372	-106	387
Enterprise Value (EV)	2,765	2,450	3,156	2,280	2,015	3,379	2,987	1,921	1,923	1,629
Market Capitalization	2,567	2,174	2,118	2,060	1,490	2,071	1,833	1,257	1,320	809
Book Value per Share	$25.53	$23.84	$21.52	$24.10	$23.28	$22.62	$21.23	($0.33)	$13.97	$13.13
Tangible Book Value per Share	$14.15	$12.39	$9.97	$12.31	$13.06	$12.41	$11.82	($3.62)	$10.57	$9.69
Total Capital	3,541	3,550	3,675	2,914	3,058	3,813	3,506	794	1,673	1,778
Total Debt	1,103	1,282	1,634	655	776	1,565	1,428	815	807	969
Total Long-Term Debt	973	1,144	1,477	635	776	1,565	1,428	0.00	807	969
Net Debt	198	276	1,038	220	525	1,308	1,154	664	603	820
Capital Expenditures (CapEx)	21	24	14	15	16	21	18	6.54	9.73	7.47
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	1,103	1,282	1,634	655	776	1,565	1,428	321	807	969
Total Depreciation and Amortization (D&A)	41	37	52	61	54	40	35	23	22	21
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.42	$2.72	$2.33	$2.16	$1.60	$2.01	$1.95	$1.57	$1.45	$1.23
Adjusted Weighted Average Basic Shares Outstanding	94.40M	93.94M	93.53M	95.03M	97.36M	98.31M	88.58M	61.53M	61.21M	61.06M
Adjusted Diluted Earnings per Share	$2.40	$2.69	$2.30	$2.14	$1.59	$2.00	$1.93	$1.56	$1.43	$1.21
Adjusted Weighted Average Diluted Shares Outstanding	95.41M	95.10M	94.59M	95.90M	98.09M	98.85M	89.61M	62.17M	61.99M	61.85M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	95.42M	95.07M	94.87M	94.15M	97.37M	98.49M	98.39M	62.09M	62.00M	61.64M
Normalized Net Operating Profit after Tax (NOPAT)	241	257	239	205	162	198	173	97	88	76
Normalized NOPAT Margin	28.86%	30.58%	33.73%	32.90%	25.08%	32.17%	31.23%	26.91%	25.62%	23.72%
Pre Tax Income Margin	32.11%	37.92%	34.10%	38.63%	28.56%	39.45%	38.76%	32.30%	38.20%	34.48%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.69	1.16	3.67	7.75	2.69	1.97	2.35	2.35	3.93	4.77
NOPAT to Interest Expense	0.59	0.93	3.30	6.60	2.28	1.61	1.89	1.95	2.66	3.23
EBIT Less CapEx to Interest Expense	0.63	1.07	3.46	7.25	2.45	1.80	2.15	2.21	3.64	4.45
NOPAT Less CapEx to Interest Expense	0.53	0.84	3.09	6.10	2.04	1.44	1.69	1.82	2.37	2.91
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	39.13%	34.06%	39.80%	42.56%	57.56%	44.98%	46.15%	42.55%	44.20%	52.05%
Augmented Payout Ratio	39.13%	34.06%	39.80%	95.24%	68.27%	78.41%	46.15%	42.55%	44.20%	58.04%

This table displays calculated financial ratios and metrics derived from First Financial Bancorp.'s official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	2.63%	11.70%	-5.10%	1.09%	-9.13%	-6.16%	17.55%	27.40%	45.53%	36.73%	15.70%
EBITDA Growth	0.21%	2.34%	-16.12%	-7.30%	-26.81%	-22.81%	66.40%	18.53%	52.93%	55.85%	-34.02%
EBIT Growth	3.02%	-6.27%	-17.21%	-7.83%	-29.60%	-10.15%	66.47%	25.74%	73.13%	45.56%	-29.77%
NOPAT Growth	1.19%	14.37%	-16.83%	-7.40%	-28.00%	-17.88%	13.21%	27.46%	70.46%	47.16%	-7.18%
Net Income Growth	1.19%	14.37%	-16.83%	-7.40%	-28.00%	-17.88%	13.21%	27.46%	70.46%	47.16%	-7.18%
EPS Growth	1.89%	13.33%	-16.67%	-7.25%	-28.38%	-16.67%	11.86%	25.45%	68.18%	41.18%	-6.35%
Operating Cash Flow Growth	75.74%	-36.25%	-3.95%	-36.31%	-81.46%	336.07%	200.21%	-12.36%	19.74%	-74.67%	-218.37%
Free Cash Flow Firm Growth	-143.01%	-59.46%	-187.15%	73.07%	126.40%	126.29%	120.67%	34.19%	-600.34%	-461.64%	-175.37%
Invested Capital Growth	4.42%	-0.25%	4.69%	3.91%	-5.14%	-3.41%	-1.77%	11.33%	36.24%	26.13%	23.25%
Revenue Q/Q Growth	-10.65%	11.42%	-6.31%	10.02%	-2.74%	-5.34%	-0.19%	-1.10%	0.43%	18.57%	8.18%
EBITDA Q/Q Growth	-4.92%	1.48%	-12.16%	18.23%	-2.90%	-16.82%	-2.92%	-6.65%	11.17%	79.32%	-30.85%
EBIT Q/Q Growth	-4.95%	3.14%	-13.26%	21.15%	-13.52%	-8.90%	-3.43%	-7.46%	10.36%	68.80%	-27.06%
NOPAT Q/Q Growth	-20.95%	23.71%	-13.74%	19.96%	-10.65%	-10.04%	-3.97%	-6.73%	1.91%	24.02%	8.12%
Net Income Q/Q Growth	-20.95%	23.71%	-13.74%	19.96%	-10.65%	-10.04%	-3.97%	-6.73%	1.91%	24.02%	8.12%
EPS Q/Q Growth	-20.59%	23.64%	-14.06%	20.75%	-11.67%	-9.09%	-4.35%	-6.76%	2.78%	22.03%	7.27%
Operating Cash Flow Q/Q Growth	-24.23%	-15.95%	29.47%	113.13%	-72.51%	26.64%	-14.15%	-37.95%	546.42%	129.10%	-175.08%
Free Cash Flow Firm Q/Q Growth	-239.90%	167.61%	-30.38%	-134.87%	31.85%	45.37%	140.30%	65.81%	-31.30%	-14.28%	-28.30%
Invested Capital Q/Q Growth	2.99%	-1.81%	-6.19%	10.07%	-1.62%	3.06%	-6.89%	0.49%	0.18%	4.80%	5.52%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	36.24%	34.06%	37.40%	39.89%	37.12%	37.18%	42.31%	43.50%	46.08%	45.20%	29.89%
EBIT Margin	31.74%	29.84%	32.24%	34.82%	31.62%	35.56%	36.95%	38.19%	40.81%	37.14%	26.09%
Profit (Net Income) Margin	25.60%	28.93%	26.06%	28.31%	25.96%	28.26%	29.73%	30.90%	32.77%	32.29%	30.87%
Tax Burden Percent	80.65%	96.97%	80.85%	81.30%	82.10%	79.47%	80.47%	80.92%	80.29%	86.95%	118.34%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	19.35%	3.03%	19.15%	18.70%	17.90%	20.53%	19.53%	19.08%	19.71%	13.05%	-18.34%
Return on Invested Capital (ROIC)	6.03%	6.82%	6.00%	6.18%	5.94%	6.57%	7.30%	7.23%	7.97%	6.95%	6.33%
ROIC Less NNEP Spread (ROIC-NNEP)	6.03%	6.82%	6.00%	6.18%	5.94%	6.57%	7.30%	7.23%	7.97%	6.95%	6.33%
Return on Net Nonoperating Assets (RNNOA)	2.96%	3.46%	3.24%	4.25%	3.73%	4.45%	5.01%	4.83%	3.97%	3.70%	3.18%
Return on Equity (ROE)	8.99%	10.27%	9.24%	10.42%	9.66%	11.02%	12.31%	12.06%	11.94%	10.65%	9.51%
Cash Return on Invested Capital (CROIC)	2.10%	6.71%	1.68%	2.30%	11.86%	10.55%	9.51%	-3.29%	-22.95%	-16.51%	-14.67%
Operating Return on Assets (OROA)	1.48%	1.38%	1.49%	1.63%	1.50%	1.73%	1.87%	1.88%	1.92%	1.58%	1.04%
Return on Assets (ROA)	1.19%	1.34%	1.20%	1.32%	1.23%	1.38%	1.51%	1.52%	1.54%	1.37%	1.23%
Return on Common Equity (ROCE)	8.99%	10.27%	9.24%	10.42%	9.68%	11.02%	12.31%	12.06%	11.97%	10.65%	9.51%
Return on Equity Simple (ROE_SIMPLE)	9.17%	0.00%	9.01%	9.94%	10.33%	0.00%	12.60%	12.17%	11.63%	0.00%	9.80%
Net Operating Profit after Tax (NOPAT)	51	65	52	61	51	57	63	66	70	69	56
NOPAT Margin	25.60%	28.93%	26.06%	28.31%	25.96%	28.26%	29.73%	30.90%	32.77%	32.29%	30.87%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	47.83%	44.84%	47.43%	44.76%	48.10%	45.14%	45.20%	45.10%	43.02%	43.50%	48.06%
Operating Expenses to Revenue	63.92%	65.96%	62.49%	57.53%	62.67%	59.34%	57.55%	56.76%	54.31%	58.17%	69.32%
Earnings before Interest and Taxes (EBIT)	64	67	65	75	62	71	78	81	88	79	47
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	73	76	75	86	72	75	90	92	99	97	54
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.95	1.05	0.98	0.91	0.92	0.96	0.84	0.87	0.92	1.04	0.93
Price to Tangible Book Value (P/TBV)	1.68	1.90	1.77	1.72	1.77	1.85	1.72	1.78	1.89	2.24	2.07
Price to Revenue (P/Rev)	2.84	3.07	2.97	2.58	2.57	2.59	2.10	2.27	2.52	2.99	2.85
Price to Earnings (P/E)	10.39	11.22	10.92	9.17	8.94	8.50	6.67	7.14	7.92	9.73	9.51
Dividend Yield	3.80%	3.50%	3.69%	4.14%	4.15%	4.02%	4.89%	4.70%	4.47%	4.12%	4.70%
Earnings Yield	9.63%	8.92%	9.16%	10.90%	11.19%	11.77%	14.99%	14.01%	12.62%	10.28%	10.52%
Enterprise Value to Invested Capital (EV/IC)	0.74	0.78	0.75	0.70	0.68	0.69	0.71	0.73	0.82	0.86	0.81
Enterprise Value to Revenue (EV/Rev)	3.22	3.31	3.34	3.29	2.88	2.92	2.85	3.31	3.88	4.45	4.36
Enterprise Value to EBITDA (EV/EBITDA)	8.73	8.93	8.81	8.39	7.18	6.89	6.57	8.12	9.41	10.76	10.97
Enterprise Value to EBIT (EV/EBIT)	10.01	10.31	9.95	9.45	8.08	7.69	7.44	9.20	10.80	13.06	13.08
Enterprise Value to NOPAT (EV/NOPAT)	11.79	12.08	12.30	11.70	10.02	9.58	9.06	10.41	12.20	14.50	14.51
Enterprise Value to Operating Cash Flow (EV/OCF)	9.45	10.55	8.92	8.79	6.82	5.03	6.12	12.68	13.13	15.71	10.15
Enterprise Value to Free Cash Flow (EV/FCFF)	36.11	11.63	45.92	31.19	5.56	6.43	7.36	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.46	0.45	0.47	0.65	0.53	0.57	0.62	0.73	0.74	0.80	0.76
Long-Term Debt to Equity	0.43	0.40	0.45	0.59	0.46	0.50	0.51	0.65	0.68	0.72	0.67
Financial Leverage	0.49	0.51	0.54	0.69	0.63	0.68	0.69	0.67	0.50	0.53	0.50
Leverage Ratio	7.53	7.67	7.69	7.89	7.83	8.01	8.17	7.91	7.74	7.75	7.70
Compound Leverage Factor	7.53	7.67	7.69	7.89	7.83	8.01	8.17	7.91	7.74	7.75	7.70
Debt to Total Capital	31.41%	31.15%	32.05%	39.48%	34.51%	36.11%	38.18%	42.06%	42.38%	44.46%	43.13%
Short-Term Debt to Total Capital	1.78%	3.68%	1.29%	3.62%	4.64%	3.88%	6.36%	4.49%	3.48%	4.28%	5.27%
Long-Term Debt to Total Capital	29.64%	27.46%	30.76%	35.86%	29.87%	32.23%	31.82%	37.58%	38.90%	40.18%	37.86%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	68.59%	68.85%	67.95%	60.52%	65.49%	63.89%	61.82%	57.94%	57.87%	55.54%	56.87%
Debt to EBITDA	3.70	3.56	3.75	4.71	3.66	3.60	3.55	4.65	4.88	5.57	5.85
Net Debt to EBITDA	1.04	0.64	0.99	1.82	0.77	0.78	1.73	2.55	3.30	3.54	3.78
Long-Term Debt to EBITDA	3.49	3.14	3.60	4.27	3.17	3.22	2.96	4.16	4.48	5.03	5.13
Debt to NOPAT	4.99	4.82	5.24	6.56	5.10	5.01	4.90	5.97	6.32	7.51	7.74
Net Debt to NOPAT	1.40	0.87	1.38	2.53	1.08	1.08	2.39	3.27	4.28	4.77	5.00
Long-Term Debt to NOPAT	4.71	4.25	5.03	5.96	4.42	4.47	4.09	5.33	5.80	6.79	6.79
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	-0.21%	0.00%	0.00%	0.00%	-0.21%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-103	74	-109	-84	240	182	125	-311	-909	-692	-606
Operating Cash Flow to CapEx	1,496.45%	1,058.12%	2,402.15%	2,071.09%	448.34%	1,935.83%	1,503.61%	1,417.23%	3,832.76%	663.35%	-3,625.54%
Free Cash Flow to Firm to Interest Expense	-1.13	0.76	-1.07	-0.84	2.61	2.15	1.63	-4.81	-18.45	-21.62	-35.18
Operating Cash Flow to Interest Expense	0.62	0.76	0.87	0.68	0.35	1.37	1.20	1.65	3.50	0.83	-5.32
Operating Cash Flow Less CapEx to Interest Expense	0.57	0.69	0.83	0.65	0.27	1.30	1.12	1.54	3.40	0.71	-5.46
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.04
Fixed Asset Turnover	2.18	2.21	2.23	2.39	2.34	2.67	2.83	2.75	2.50	2.65	2.79
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,647	3,541	3,606	3,844	3,492	3,550	3,445	3,700	3,682	3,675	3,507
Invested Capital Turnover	0.24	0.24	0.23	0.22	0.23	0.23	0.25	0.23	0.24	0.22	0.21
Increase / (Decrease) in Invested Capital	155	-8.90	162	145	-189	-125	-62	376	979	761	662
Enterprise Value (EV)	2,705	2,765	2,714	2,706	2,365	2,450	2,431	2,716	3,010	3,156	2,837
Market Capitalization	2,384	2,567	2,409	2,121	2,111	2,174	1,789	1,862	1,955	2,118	1,859
Book Value per Share	$26.21	$25.53	$25.66	$24.37	$24.27	$23.84	$22.39	$22.53	$22.46	$21.52	$21.02
Tangible Book Value per Share	$14.85	$14.15	$14.26	$12.94	$12.67	$12.39	$10.90	$11.02	$10.90	$9.97	$9.48
Total Capital	3,647	3,541	3,606	3,844	3,492	3,550	3,445	3,700	3,682	3,675	3,507
Total Debt	1,146	1,103	1,156	1,518	1,205	1,282	1,315	1,556	1,560	1,634	1,513
Total Long-Term Debt	1,081	973	1,109	1,379	1,043	1,144	1,096	1,390	1,432	1,477	1,328
Net Debt	322	198	305	585	255	276	642	854	1,055	1,038	978
Capital Expenditures (CapEx)	3.75	7.00	3.67	3.29	7.12	6.00	6.10	7.54	4.49	4.02	2.53
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	1,146	1,103	1,156	1,518	1,205	1,282	1,315	1,556	1,560	1,634	1,513
Total Depreciation and Amortization (D&A)	9.02	9.47	10	11	11	3.25	11	11	11	17	6.85
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.54	$0.68	$0.56	$0.64	$0.54	$0.60	$0.67	$0.70	$0.75	$0.74	$0.60
Adjusted Weighted Average Basic Shares Outstanding	94.65M	94.40M	94.47M	94.44M	94.22M	93.94M	94.03M	93.92M	93.73M	93.53M	93.58M
Adjusted Diluted Earnings per Share	$0.54	$0.68	$0.55	$0.64	$0.53	$0.60	$0.66	$0.69	$0.74	$0.72	$0.59
Adjusted Weighted Average Diluted Shares Outstanding	95.52M	95.41M	95.48M	95.47M	95.18M	95.10M	95.13M	95.17M	94.96M	94.59M	94.79M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	95.74M	95.42M	95.49M	95.48M	95.46M	95.07M	95.12M	95.12M	95.15M	94.87M	94.84M
Normalized Net Operating Profit after Tax (NOPAT)	51	65	52	61	51	57	63	66	70	69	33
Normalized NOPAT Margin	25.64%	28.93%	26.06%	28.31%	25.96%	28.26%	29.73%	30.90%	32.77%	32.29%	18.26%
Pre Tax Income Margin	31.74%	29.84%	32.24%	34.82%	31.62%	35.56%	36.95%	38.19%	40.81%	37.14%	26.09%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.70	0.69	0.64	0.75	0.67	0.84	1.02	1.26	1.78	2.48	2.73
NOPAT to Interest Expense	0.56	0.67	0.52	0.61	0.55	0.67	0.82	1.02	1.43	2.16	3.23
EBIT Less CapEx to Interest Expense	0.66	0.62	0.60	0.72	0.59	0.77	0.94	1.14	1.69	2.36	2.59
NOPAT Less CapEx to Interest Expense	0.52	0.60	0.48	0.58	0.47	0.60	0.74	0.90	1.34	2.03	3.09
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	39.52%	39.13%	40.12%	37.90%	36.81%	34.06%	32.45%	33.27%	35.15%	39.80%	44.22%
Augmented Payout Ratio	39.52%	39.13%	40.12%	37.90%	36.81%	34.06%	32.45%	33.27%	35.15%	39.80%	44.22%

Frequently Asked Questions About First Financial Bancorp.'s Financials

When does First Financial Bancorp.'s fiscal year end?

According to the most recent income statement we have on file, First Financial Bancorp.'s financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has First Financial Bancorp.'s net income changed over the last 9 years?

First Financial Bancorp.'s net income appears to be on an upward trend, with a most recent value of $228.83 million in 2024, rising from $75.06 million in 2015. The previous period was $255.86 million in 2023. See First Financial Bancorp.'s forecast for analyst expectations on what’s next for the company.

How has First Financial Bancorp. revenue changed over the last 9 years?

Over the last 9 years, First Financial Bancorp.'s total revenue changed from $321.70 million in 2015 to $835.58 million in 2024, a change of 159.7%.

How much debt does First Financial Bancorp. have?

First Financial Bancorp.'s total liabilities were at $16.13 billion at the end of 2024, a 5.7% increase from 2023, and a 119.8% increase since 2015.

How much cash does First Financial Bancorp. have?

In the past 9 years, First Financial Bancorp.'s cash and equivalents has ranged from $114.84 million in 2015 to $236.22 million in 2018, and is currently $174.26 million as of their latest financial filing in 2024.

How has First Financial Bancorp.'s book value per share changed over the last 9 years?

Over the last 9 years, First Financial Bancorp.'s book value per share changed from 13.13 in 2015 to 25.53 in 2024, a change of 94.5%.

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This page (NASDAQ:FFBC) was last updated on 5/25/2025 by MarketBeat.com Staff

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First Financial Bancorp. (FFBC) Financials

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First Financial Bancorp. (FFBC) Financials

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