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First Financial Bancorp. (FFBC) Financials

First Financial Bancorp. logo
$32.09 -0.03 (-0.09%)
Closing price 09/18/2026 04:00 PM Eastern
Extended Trading
$32.08 -0.02 (-0.05%)
As of 09/18/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for First Financial Bancorp.

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 75 89 97 173 198 156 205 218 256 229 256
Consolidated Net Income / (Loss)		 75 89 97 173 198 156 205 218 256 229 256
Net Income / (Loss) Continuing Operations		 75 89 97 173 198 156 205 218 256 229 256
Total Pre-Tax Income 		111 131 116 214 243 184 241 242 319 268 321
Total Revenue		 322 342 360 553 616 646 624 709 840 836 899
Net Interest Income / (Expense)		 247 273 284 449 484 457 452 519 628 612 642
Total Interest Income		 270 306 333 540 608 525 483 585 903 1,002 1,002
Loans and Leases Interest Income		 230 263 280 447 499 432 386 459 744 837 819
Investment Securities Interest Income		 44 48 56 93 108 93 98 121 139 136 157
Other Interest Income		 -4.68 -4.39 -3.52 0.69 0.81 0.28 0.15 5.48 20 30 26
Total Interest Expense		 23 33 50 91 123 68 31 66 275 390 360
Deposits Interest Expense		 19 23 35 57 79 42 14 28 202 331 311
Short-Term Borrowings Interest Expense		 1.36 4.51 8.19 18 25 6.44 0.20 19 53 39 25
Long-Term Debt Interest Expense		 2.42 6.16 6.15 16 19 20 16 19 20 20 24
Total Non-Interest Income		 75 70 76 103 131 189 172 190 212 224 257
Service Charges on Deposit Accounts		 - 19 20 35 38 29 32 28 27 29 31
Other Service Charges		 50 26 29 40 34 24 30 32 36 42 45
Net Realized & Unrealized Capital Gains on Investments		 12 12 13 13 31 75 41 19 17 0.04 2.56
Investment Banking Income		 13 13 14 15 21 21 24 24 26 29 33
Other Non-Interest Income		 - - 0.00 0.00 7.74 39 45 87 105 124 146
Provision for Credit Losses		 9.64 10 3.58 15 30 71 -18 12 43 48 38
Total Non-Interest Expense		 201 201 240 324 342 391 401 455 478 520 541
Salaries and Employee Benefits		 112 129 137 189 209 237 246 269 293 304 316
Net Occupancy & Equipment Expense		 38 38 40 67 62 66 67 69 72 73 77
Marketing Expense		 3.72 3.97 3.20 7.60 6.91 6.41 7.98 8.74 9.65 9.03 10
Property & Liability Insurance Claims		 4.45 4.29 3.94 3.97 1.97 5.11 5.63 7.19 12 11 11
Other Operating Expenses		 41 27 54 48 53 58 64 66 80 98 114
Amortization Expense		 - - 1.30 7.36 9.67 11 9.84 11 10 9.49 11
Other Special Charges		 1.86 -1.21 - 0.00 0.00 7.26 - 24 1.30 14 1.14
Income Tax Expense		 36 42 19 42 45 29 36 24 63 39 66
Basic Earnings per Share		 $1.23 $1.45 $1.57 $1.95 $2.01 $1.60 $2.16 $2.33 $2.72 $2.42 $2.68
Weighted Average Basic Shares Outstanding		 61.06M 61.21M 61.53M 88.58M 98.31M 97.36M 95.03M 93.53M 93.94M 94.40M 95.28M
Diluted Earnings per Share		 $1.21 $1.43 $1.56 $1.93 $2.00 $1.59 $2.14 $2.30 $2.69 $2.40 $2.66
Weighted Average Diluted Shares Outstanding		 61.85M 61.99M 62.17M 89.61M 98.85M 98.09M 95.90M 94.59M 95.10M 95.41M 96.16M
Weighted Average Basic & Diluted Shares Outstanding		 61M 61.10M 61.60M 88.50M 98.49M 97.37M 94.15M 94.87M 95.07M 95.42M 104.59M
Cash Dividends to Common per Share		 $0.64 $0.64 $0.68 $0.78 $0.90 $0.92 $0.92 $0.92 $0.92 $0.94 $0.98

Quarterly Income Statements for First Financial Bancorp.

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 57 51 61 52 65 51 70 72 62 74 76
Consolidated Net Income / (Loss)		 57 51 61 52 65 51 70 72 62 74 76
Net Income / (Loss) Continuing Operations		 57 51 61 52 65 51 70 72 62 74 76
Total Pre-Tax Income 		71 62 75 65 67 64 88 91 79 94 94
Total Revenue		 201 195 215 201 224 200 226 234 239 272 264
Net Interest Income / (Expense)		 154 149 153 156 154 149 158 160 174 190 190
Total Interest Income		 238 241 253 257 252 240 246 250 265 282 281
Loans and Leases Interest Income		 197 202 212 215 208 197 201 205 216 225 219
Investment Securities Interest Income		 34 31 33 35 36 37 38 39 43 52 56
Other Interest Income		 7.33 7.46 7.96 6.70 7.66 6.65 5.96 6.77 6.33 5.45 5.38
Total Interest Expense		 85 92 99 102 97 91 88 90 91 93 91
Deposits Interest Expense		 69 76 83 87 85 79 75 78 79 80 79
Short-Term Borrowings Interest Expense		 10 11 11 9.93 6.59 7.55 6.39 5.98 4.93 5.17 5.00
Long-Term Debt Interest Expense		 5.20 4.93 4.99 5.07 5.15 4.94 5.75 6.02 7.55 7.91 6.30
Total Non-Interest Income		 47 47 62 46 70 51 68 74 65 82 74
Service Charges on Deposit Accounts		 6.85 6.91 7.19 7.55 7.63 7.46 7.77 7.83 8.31 9.01 8.90
Other Service Charges		 6.83 9.30 9.11 15 11 8.29 9.35 14 14 11 9.84
Net Realized & Unrealized Capital Gains on Investments		 5.64 -1.40 4.42 -12 7.07 -4.06 8.60 6.79 -8.78 14 11
Investment Banking Income		 6.09 6.68 7.17 6.91 7.96 8.14 7.79 7.35 9.29 10 8.25
Other Non-Interest Income		 22 25 34 29 36 31 35 38 42 38 36
Provision for Credit Losses		 10 11 16 11 9.43 8.70 9.80 9.07 10 8.54 8.19
Total Non-Interest Expense		 119 122 124 126 148 128 129 134 150 169 162
Salaries and Employee Benefits		 71 74 75 75 80 75 75 81 85 100 87
Net Occupancy & Equipment Expense		 18 18 18 18 18 19 18 19 21 25 25
Marketing Expense		 2.09 1.96 2.61 2.26 2.20 2.02 2.74 2.36 3.06 2.65 3.62
Property & Liability Insurance Claims		 3.65 2.78 2.66 3.04 2.74 3.06 2.61 2.61 2.92 3.65 2.88
Other Operating Expenses		 21 23 22 25 38 14 14 27 46 31 21
Amortization Expense		 2.60 2.30 2.40 2.40 -7.36 15 16 2.36 -8.88 6.26 21
Other Special Charges		 - 0.03 0.03 0.03 - 0.11 0.11 0.11 0.80 0.67 0.67
Income Tax Expense		 15 11 14 12 2.03 12 18 19 17 19 18
Basic Earnings per Share		 $0.60 $0.54 $0.64 $0.56 $0.68 $0.54 $0.74 $0.76 $0.64 $0.72 $0.74
Weighted Average Basic Shares Outstanding		 93.94M 94.22M 94.44M 94.47M 94.40M 94.65M 94.86M 94.89M 95.28M 103.71M 103.94M
Diluted Earnings per Share		 $0.60 $0.53 $0.64 $0.55 $0.68 $0.54 $0.73 $0.75 $0.64 $0.71 $0.73
Weighted Average Diluted Shares Outstanding		 95.10M 95.18M 95.47M 95.48M 95.41M 95.52M 95.74M 95.75M 96.16M 104.62M 104.94M
Weighted Average Basic & Diluted Shares Outstanding		 95.07M 95.46M 95.48M 95.49M 95.42M 95.74M 95.75M 98.53M 104.59M 104.93M 104.97M

Annual Cash Flow Statements for First Financial Bancorp.

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 4.72 6.76 29 86 -36 30 -11 -13 5.56 -39 4.30
Net Cash From Operating Activities		 92 143 124 260 186 108 388 201 487 262 338
Net Cash From Continuing Operating Activities		 82 131 124 260 186 108 388 201 487 262 338
Net Income / (Loss) Continuing Operations		 75 89 97 173 198 156 205 218 256 229 256
Consolidated Net Income / (Loss)		 75 89 97 173 198 156 205 218 256 229 256
Provision For Loan Losses		 9.64 10 3.58 15 31 71 -18 12 43 48 38
Depreciation Expense		 13 13 13 24 28 33 32 31 30 30 32
Amortization Expense		 7.90 8.48 11 11 11 21 29 20 15 11 4.73
Non-Cash Adjustments to Reconcile Net Income		 -11 12 -4.78 12 8.36 -43 21 -5.53 15 49 48
Changes in Operating Assets and Liabilities, net		 -3.33 11 4.49 26 -90 -130 119 -75 128 -105 -40
Net Cash From Investing Activities		 -919 -313 -429 -205 -252 -1,203 -510 -883 -701 -1,000 -547
Net Cash From Continuing Investing Activities		 -919 -313 -429 -205 -253 -1,203 -510 -883 -701 -1,000 -547
Purchase of Property, Leasehold Improvements and Equipment		 -7.47 -9.73 -6.54 -18 -21 -16 -15 -14 -24 -21 -21
Purchase of Investment Securities		 -1,258 -838 -1,015 -971 -1,308 -2,325 -2,037 -1,670 -782 -1,896 -2,154
Sale and/or Maturity of Investments		 347 534 592 720 1,076 1,139 1,542 830 167 973 1,633
Other Investing Activities, net		 - - - - - 0.00 0.00 -29 -61 -56 -4.88
Net Cash From Financing Activities		 832 178 335 30 31 1,125 111 670 220 699 213
Net Cash From Continuing Financing Activities		 832 178 335 30 31 1,125 111 670 220 699 213
Net Change in Deposits		 524 346 369 -19 70 2,022 640 -171 660 968 302
Issuance of Debt		 397 0.00 6.65 150 275 -109 130 927 -353 -180 9.96
Repayment of Debt		 -46 -131 -0.09 -22 -160 -682 -463 - 0.00 0.00 -4.34
Payment of Dividends		 -39 -39 -41 -80 -89 -90 -87 -87 -87 -90 -95
Other Financing Activities, Net		 0.89 1.07 0.34 0.28 0.09 0.07 0.06 0.18 0.05 0.00 0.00
Cash Interest Paid		 21 33 49 84 122 76 33 60 235 398 365
Cash Income Taxes Paid		 31 38 38 16 27 33 18 5.70 10 28 9.21

Quarterly Cash Flow Statements for First Financial Bancorp.

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -7.28 -14 -5.61 -3.18 -16 16 20 -36 3.89 -7.91 36
Net Cash From Operating Activities		 116 32 68 88 74 56 70 90 122 549 31
Net Cash From Continuing Operating Activities		 116 32 68 88 74 56 70 90 122 549 31
Net Income / (Loss) Continuing Operations		 57 51 61 52 65 51 70 72 62 74 76
Consolidated Net Income / (Loss)		 57 51 61 52 65 51 70 72 62 74 76
Provision For Loan Losses		 10 11 16 11 9.43 8.70 9.80 9.07 10 8.54 8.19
Depreciation Expense		 7.36 7.40 7.78 7.67 7.49 7.33 7.35 7.40 9.74 13 12
Amortization Expense		 -4.11 3.34 3.11 2.72 1.99 1.69 1.33 1.06 0.65 1.34 2.11
Non-Cash Adjustments to Reconcile Net Income		 19 20 -3.73 19 14 42 -13 19 -0.20 415 -3.08
Changes in Operating Assets and Liabilities, net		 27 -61 -16 -4.36 -24 -54 -5.92 -19 39 36 -65
Net Cash From Investing Activities		 -514 -43 -568 7.72 -396 73 -83 48 -584 -601 376
Net Cash From Continuing Investing Activities		 -514 -43 -568 7.72 -396 73 -83 48 -584 -601 376
Purchase of Property, Leasehold Improvements and Equipment		 -6.00 -7.12 -3.29 -3.67 -7.00 -3.75 -4.95 -4.03 -8.03 -13 -10
Purchase of Investment Securities		 -371 -423 -676 -369 -469 -335 -292 -382 -1,146 -1,075 -141
Sale and/or Maturity of Investments		 -120 395 117 414 87 416 217 431 570 488 554
Net Cash From Financing Activities		 390 -2.25 495 -99 306 -112 33 -173 465 44 -371
Net Cash From Continuing Financing Activities		 390 -2.25 495 -99 306 -112 33 -173 465 44 -371
Net Change in Deposits		 445 96 205 286 381 -132 173 63 198 288 -335
Repayment of Debt		 - -1.07 -4.87 5.34 - -1.55 -1.11 -123 122 -153 -74
Payment of Dividends		 -22 -22 -22 -23 -23 -23 -24 -24 -24 -26 -27
Cash Interest Paid		 84 95 95 102 106 90 96 91 88 92 97
Cash Income Taxes Paid		 1.68 0.01 21 4.68 1.59 0.11 1.56 2.31 5.24 0.46 2.07

Annual Balance Sheets for First Financial Bancorp.

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 8,147 8,438 301 13,987 14,512 15,973 16,329 17,003 17,533 18,570 21,129
Cash and Due from Banks		 115 122 151 236 201 231 220 208 213 174 179
Interest Bearing Deposits at Other Banks		 34 82 - 38 57 20 215 388 793 730 597
Trading Account Securities		 1,938 1,816 - 3,213 3,009 3,597 4,336 3,502 3,111 3,274 4,047
Loans and Leases, Net of Allowance		 5,335 5,700 -54 8,768 9,144 9,725 9,156 10,166 10,792 11,605 13,238
Loans and Leases		 5,389 5,757 - 8,824 9,202 9,901 9,288 10,299 10,933 11,762 13,424
Allowance for Loan and Lease Losses		 53 58 54 57 58 176 132 133 141 157 186
Premises and Equipment, Net		 137 132 - 216 215 207 254 281 348 407 419
Goodwill		 - - 204 880 938 938 1,001 1,002 1,006 1,008 1,100
Intangible Assets		 212 211 - 41 76 65 104 94 84 79 119
Other Assets		 395 376 - 595 873 1,190 1,043 1,364 1,187 1,293 1,431
Total Liabilities & Shareholders' Equity		 8,147 8,438 794 13,987 14,512 15,973 16,329 17,003 17,533 18,570 21,129
Total Liabilities		 7,338 7,573 815 11,908 12,264 13,691 14,070 14,962 15,265 16,132 18,360
Non-Interest Bearing Deposits		 1,413 1,548 - 2,492 2,644 3,764 4,186 4,135 3,318 3,132 3,465
Interest Bearing Deposits		 4,766 4,978 - 7,648 7,566 8,468 8,686 8,566 10,043 11,197 12,956
Short-Term Debt		 - - 815 - - 0.00 20 157 138 130 0.33
Long-Term Debt		 969 807 - 1,428 1,565 776 635 1,477 1,144 973 1,189
Other Long-Term Liabilities		 100 119 - 157 323 516 492 627 622 700 749
Total Equity & Noncontrolling Interests		 809 865 -20 2,078 2,248 2,282 2,259 2,041 2,268 2,438 2,769
Total Preferred & Common Equity		 809 865 931 2,078 2,248 2,282 2,259 2,041 2,268 2,438 2,769
Total Common Equity		 809 865 -20 2,078 2,248 2,282 2,259 2,041 2,268 2,438 2,769
Common Stock		 571 570 - 1,633 1,641 1,639 1,640 1,635 1,639 1,642 1,648
Retained Earnings		 388 437 - 600 711 720 837 968 1,137 1,276 1,437
Treasury Stock		 -119 -114 - -111 -118 -126 -218 -203 -198 -191 -126
Accumulated Other Comprehensive Income / (Loss)		 -31 -28 -20 -44 13 49 -0.43 -359 -310 -290 -190

Quarterly Balance Sheets for First Financial Bancorp.

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 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 16,934 17,090 17,055 17,599 18,166 18,146 18,455 18,634 18,555 22,780 22,440
Cash and Due from Banks		 200 217 220 199 194 191 191 210 175 171 206
Interest Bearing Deposits at Other Banks		 305 485 453 751 739 661 633 570 565 1,032 579
Trading Account Securities		 3,477 3,347 3,138 2,942 3,133 3,248 3,355 3,486 3,516 5,021 4,813
Loans and Leases, Net of Allowance		 10,292 10,402 10,502 11,061 11,365 11,394 11,569 11,628 11,553 13,311 13,545
Loans and Leases		 10,433 10,550 10,647 11,205 11,521 11,553 11,724 11,786 11,715 13,495 13,735
Allowance for Loan and Lease Losses		 142 149 145 144 156 159 155 159 162 184 190
Premises and Equipment, Net		 343 324 329 360 365 398 412 415 413 448 472
Goodwill		 1,006 1,006 1,006 1,008 1,008 1,008 1,008 1,008 1,008 1,100 1,100
Intangible Assets		 91 89 86 86 84 82 77 75 74 146 141
Other Assets		 11,511 1,220 1,320 1,193 1,280 1,166 1,211 1,242 1,252 1,551 1,584
Total Liabilities & Shareholders' Equity		 16,934 17,090 17,055 17,599 18,166 18,146 18,455 18,634 18,555 22,780 22,440
Total Liabilities		 14,812 14,947 14,925 15,312 15,840 15,696 15,954 16,076 15,923 19,839 19,452
Non-Interest Bearing Deposits		 3,830 3,605 3,439 3,176 3,061 3,108 3,161 3,132 3,128 3,983 3,705
Interest Bearing Deposits		 8,845 9,190 9,477 10,281 10,600 10,840 11,036 11,238 11,306 13,936 13,878
Short-Term Debt		 128 166 219 162 139 47 65 4.70 45 70 40
Long-Term Debt		 1,432 1,390 1,096 1,043 1,379 1,109 1,081 1,025 772 930 953
Other Long-Term Liabilities		 577 596 695 650 660 592 611 676 672 920 877
Total Equity & Noncontrolling Interests		 2,121 2,143 2,130 2,287 2,326 2,450 2,501 2,558 2,632 2,941 2,987
Total Preferred & Common Equity		 2,121 2,143 2,130 2,287 2,326 2,450 2,501 2,558 2,632 2,941 2,987
Total Common Equity		 2,131 2,143 2,130 2,287 2,326 2,450 2,501 2,558 2,632 2,941 2,987
Common Stock		 1,629 1,633 1,636 1,633 1,636 1,639 1,637 1,639 1,641 1,790 1,792
Retained Earnings		 1,017 1,061 1,102 1,166 1,205 1,234 1,305 1,352 1,400 1,486 1,536
Treasury Stock		 -188 -197 -198 -191 -191 -191 -187 -186 -186 -117 -117
Accumulated Other Comprehensive Income / (Loss)		 -328 -353 -410 -321 -323 -232 -254 -246 -223 -217 -224

Annual Metrics And Ratios for First Financial Bancorp.

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.23 $1.45 $1.57 $1.95 $2.01 $1.60 $2.16 $2.33 $2.72 $2.42 $2.68
Adjusted Weighted Average Basic Shares Outstanding		 61.06M 61.21M 61.53M 88.58M 98.31M 97.36M 95.03M 93.53M 93.94M 94.40M 95.28M
Adjusted Diluted Earnings per Share		 $1.21 $1.43 $1.56 $1.93 $2.00 $1.59 $2.14 $2.30 $2.69 $2.40 $2.66
Adjusted Weighted Average Diluted Shares Outstanding		 61.85M 61.99M 62.17M 89.61M 98.85M 98.09M 95.90M 94.59M 95.10M 95.41M 96.16M
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		 61.64M 62.00M 62.09M 98.39M 98.49M 97.37M 94.15M 94.87M 95.07M 95.42M 104.59M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for First Financial Bancorp.

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 104,586,093.00 104,929,374.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 104,586,093.00 104,929,374.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.71 0.73
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -6.16% -9.13% 1.09% -5.10% 11.70% 2.63% 5.36% 16.27% - 35.50% 16.72%
EBITDA Growth		 -22.81% -26.81% -7.30% -16.12% 2.34% 0.21% 12.67% 31.72% - 49.12% 12.70%
EBIT Growth		 -10.15% -29.60% -7.83% -17.21% -6.27% 3.02% 17.47% 39.77% - 47.11% 7.49%
NOPAT Growth		 -17.88% -28.00% -7.40% -16.83% 14.37% 1.19% 15.12% 37.12% - 45.14% 9.23%
Net Income Growth		 -17.88% -28.00% -7.40% -16.83% 14.37% 1.19% 15.12% 37.12% - 45.14% 9.23%
EPS Growth		 -16.67% -28.38% -7.25% -16.67% 13.33% 1.89% 14.06% 36.36% - 31.48% 0.00%
Operating Cash Flow Growth		 336.07% -81.46% -36.31% -3.95% -36.25% 75.74% 2.54% 1.92% - 878.23% -55.05%
Free Cash Flow Firm Growth		 126.29% 126.40% 73.07% -187.15% -59.46% -143.01% 489.92% 310.08% - -113.03% -196.61%
Invested Capital Growth		 -3.41% -5.14% 3.91% 4.69% -0.25% 4.42% -6.67% -4.36% - 8.07% 10.92%
Revenue Q/Q Growth		 -5.34% -2.74% 10.02% -6.31% 11.42% -10.65% 12.95% 3.39% - 13.72% -2.71%
EBITDA Q/Q Growth		 -16.82% -2.90% 18.23% -12.16% 1.48% -4.92% 32.93% 2.69% - 20.97% 0.47%
EBIT Q/Q Growth		 -8.90% -13.52% 21.15% -13.26% 3.14% -4.95% 38.14% 3.21% - 18.24% 0.93%
NOPAT Q/Q Growth		 -10.04% -10.65% 19.96% -13.74% 23.71% -20.95% 36.46% 2.75% - 19.32% 2.70%
Net Income Q/Q Growth		 -10.04% -10.65% 19.96% -13.74% 23.71% -20.95% 36.46% 2.75% - 19.32% 2.70%
EPS Q/Q Growth		 -9.09% -11.67% 20.75% -14.06% 23.64% -20.59% 35.19% 2.74% - 10.94% 2.82%
Operating Cash Flow Q/Q Growth		 26.64% -72.51% 113.13% 29.47% -15.95% -24.23% 24.36% 28.69% - 349.41% -94.29%
Free Cash Flow Firm Q/Q Growth		 45.37% 31.85% -134.87% -30.38% 167.61% -239.90% 416.15% -29.75% - 38.09% -43.38%
Invested Capital Q/Q Growth		 3.06% -1.62% 10.07% -6.19% -1.81% 2.99% -1.62% -3.87% - -0.44% 0.97%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.18% 37.12% 39.89% 37.40% 34.06% 36.24% 42.65% 42.37% - 39.89% 41.19%
EBIT Margin		 35.56% 31.62% 34.82% 32.24% 29.84% 31.74% 38.82% 38.75% - 34.46% 35.75%
Profit (Net Income) Margin		 28.26% 25.96% 28.31% 26.06% 28.93% 25.60% 30.93% 30.73% - 27.42% 28.94%
Tax Burden Percent		 79.47% 82.10% 81.30% 80.85% 96.97% 80.65% 79.67% 79.32% - 79.56% 80.96%
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		 20.53% 17.90% 18.70% 19.15% 3.03% 19.35% 20.33% 20.68% - 20.44% 19.04%
Return on Invested Capital (ROIC)		 6.57% 5.94% 6.18% 6.00% 6.82% 6.03% 7.09% 7.71% - 7.01% 7.71%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.57% 5.94% 6.18% 6.00% 6.82% 6.03% 7.09% 7.71% - 7.01% 7.71%
Return on Net Nonoperating Assets (RNNOA)		 4.45% 3.73% 4.25% 3.24% 3.46% 2.96% 3.70% 2.99% - 2.77% 2.81%
Return on Equity (ROE)		 11.02% 9.66% 10.42% 9.24% 10.27% 8.99% 10.79% 10.70% - 9.78% 10.53%
Cash Return on Invested Capital (CROIC)		 10.55% 11.86% 2.30% 1.68% 6.71% 2.10% 13.32% 11.78% - -0.41% -2.82%
Operating Return on Assets (OROA)		 1.73% 1.50% 1.63% 1.49% 1.38% 1.48% 1.80% 1.87% - 1.62% 1.76%
Return on Assets (ROA)		 1.38% 1.23% 1.32% 1.20% 1.34% 1.19% 1.43% 1.48% - 1.29% 1.42%
Return on Common Equity (ROCE)		 11.02% 9.68% 10.42% 9.24% 10.27% 8.99% 10.79% 10.70% - 9.78% 10.53%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 10.33% 9.94% 9.01% 0.00% 9.17% 9.33% 9.81% - 9.48% 9.55%
Net Operating Profit after Tax (NOPAT)		 57 51 61 52 65 51 70 72 - 74 76
NOPAT Margin		 28.26% 25.96% 28.31% 26.06% 28.93% 25.60% 30.93% 30.73% - 27.42% 28.94%
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		 45.14% 48.10% 44.76% 47.43% 44.84% 47.83% 42.40% 43.65% - 46.92% 43.89%
Operating Expenses to Revenue		 59.34% 62.67% 57.53% 62.49% 65.96% 63.92% 56.85% 57.38% - 62.39% 61.15%
Earnings before Interest and Taxes (EBIT)		 71 62 75 65 67 64 88 91 - 94 94
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 75 72 86 75 76 73 97 99 - 108 109
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.96 0.92 0.91 0.98 1.05 0.95 0.91 0.92 - 0.99 1.19
Price to Tangible Book Value (P/TBV)		 1.85 1.77 1.72 1.77 1.90 1.68 1.57 1.56 - 1.72 2.03
Price to Revenue (P/Rev)		 2.59 2.57 2.58 2.97 3.07 2.84 2.73 2.73 - 3.00 3.52
Price to Earnings (P/E)		 8.50 8.94 9.17 10.92 11.22 10.39 9.73 9.37 - 10.46 12.45
Dividend Yield		 4.02% 4.15% 4.14% 3.69% 3.50% 3.80% 3.96% 3.84% - 3.55% 2.96%
Earnings Yield		 11.77% 11.19% 10.90% 9.16% 8.92% 9.63% 10.27% 10.67% - 9.56% 8.03%
Enterprise Value to Invested Capital (EV/IC)		 0.69 0.68 0.70 0.75 0.78 0.74 0.72 0.72 - 0.69 0.94
Enterprise Value to Revenue (EV/Rev)		 2.92 2.88 3.29 3.34 3.31 3.22 3.02 2.82 - 2.80 3.72
Enterprise Value to EBITDA (EV/EBITDA)		 6.89 7.18 8.39 8.81 8.93 8.73 8.02 7.24 - 6.90 9.26
Enterprise Value to EBIT (EV/EBIT)		 7.69 8.08 9.45 9.95 10.31 10.01 9.08 8.07 - 7.73 10.50
Enterprise Value to NOPAT (EV/NOPAT)		 9.58 10.02 11.70 12.30 12.08 11.79 10.78 9.67 - 9.73 13.17
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.03 6.82 8.79 8.92 10.55 9.45 8.93 8.61 - 3.27 4.74
Enterprise Value to Free Cash Flow (EV/FCFF)		 6.43 5.56 31.19 45.92 11.63 36.11 5.20 6.01 - 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.57 0.53 0.65 0.47 0.45 0.46 0.40 0.31 - 0.34 0.33
Long-Term Debt to Equity		 0.50 0.46 0.59 0.45 0.40 0.43 0.40 0.29 - 0.32 0.32
Financial Leverage		 0.68 0.63 0.69 0.54 0.51 0.49 0.52 0.39 - 0.39 0.36
Leverage Ratio		 8.01 7.83 7.89 7.69 7.67 7.53 7.53 7.22 - 7.58 7.41
Compound Leverage Factor		 8.01 7.83 7.89 7.69 7.67 7.53 7.53 7.22 - 7.58 7.41
Debt to Total Capital		 36.11% 34.51% 39.48% 32.05% 31.15% 31.41% 28.70% 23.69% - 25.39% 24.93%
Short-Term Debt to Total Capital		 3.88% 4.64% 3.62% 1.29% 3.68% 1.78% 0.13% 1.31% - 1.79% 0.99%
Long-Term Debt to Total Capital		 32.23% 29.87% 35.86% 30.76% 27.46% 29.64% 28.57% 22.38% - 23.60% 23.94%
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		 63.89% 65.49% 60.52% 67.95% 68.85% 68.59% 71.30% 76.31% - 74.61% 75.07%
Debt to EBITDA		 3.60 3.66 4.71 3.75 3.56 3.70 3.21 2.37 - 2.54 2.45
Net Debt to EBITDA		 0.78 0.77 1.82 0.99 0.64 1.04 0.78 0.22 - -0.51 0.51
Long-Term Debt to EBITDA		 3.22 3.17 4.27 3.60 3.14 3.49 3.19 2.24 - 2.36 2.35
Debt to NOPAT		 5.01 5.10 6.56 5.24 4.82 4.99 4.31 3.17 - 3.59 3.48
Net Debt to NOPAT		 1.08 1.08 2.53 1.38 0.87 1.40 1.04 0.30 - -0.73 0.72
Long-Term Debt to NOPAT		 4.47 4.42 5.96 5.03 4.25 4.71 4.30 2.99 - 3.34 3.34
Noncontrolling Interest Sharing Ratio		 0.00% -0.21% 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)		 182 240 -84 -109 74 -103 326 229 - -220 -315
Operating Cash Flow to CapEx		 1,935.83% 448.34% 2,071.09% 2,402.15% 1,058.12% 1,496.45% 1,410.67% 2,227.36% - 4,069.33% 304.49%
Free Cash Flow to Firm to Interest Expense		 2.15 2.61 -0.84 -1.07 0.76 -1.13 3.72 2.55 - -2.37 -3.48
Operating Cash Flow to Interest Expense		 1.37 0.35 0.68 0.87 0.76 0.62 0.80 1.00 - 5.91 0.35
Operating Cash Flow Less CapEx to Interest Expense		 1.30 0.27 0.65 0.83 0.69 0.57 0.74 0.96 - 5.77 0.23
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 - 0.05 0.05
Fixed Asset Turnover		 2.67 2.34 2.39 2.23 2.21 2.18 2.18 2.18 - 2.26 2.28
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,550 3,492 3,844 3,606 3,541 3,647 3,588 3,449 - 3,941 3,980
Invested Capital Turnover		 0.23 0.23 0.22 0.23 0.24 0.24 0.23 0.25 - 0.26 0.27
Increase / (Decrease) in Invested Capital		 -125 -189 145 162 -8.90 155 -256 -157 - 294 392
Enterprise Value (EV)		 2,450 2,365 2,706 2,714 2,765 2,705 2,572 2,495 - 2,714 3,756
Market Capitalization		 2,174 2,111 2,121 2,409 2,567 2,384 2,323 2,418 - 2,916 3,550
Book Value per Share		 $23.84 $24.27 $24.37 $25.66 $25.53 $26.21 $26.72 $27.49 - $28.12 $28.47
Tangible Book Value per Share		 $12.39 $12.67 $12.94 $14.26 $14.15 $14.85 $15.41 $16.19 - $16.21 $16.65
Total Capital		 3,550 3,492 3,844 3,606 3,541 3,647 3,588 3,449 - 3,941 3,980
Total Debt		 1,282 1,205 1,518 1,156 1,103 1,146 1,030 817 - 1,001 992
Total Long-Term Debt		 1,144 1,043 1,379 1,109 973 1,081 1,025 772 - 930 953
Net Debt		 276 255 585 305 198 322 249 77 - -202 207
Capital Expenditures (CapEx)		 6.00 7.12 3.29 3.67 7.00 3.75 4.95 4.03 - 13 10
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)		 1,282 1,205 1,518 1,156 1,103 1,146 1,030 817 - 1,001 992
Total Depreciation and Amortization (D&A)		 3.25 11 11 10 9.47 9.02 8.68 8.46 - 15 14
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.60 $0.54 $0.64 $0.56 $0.68 $0.54 $0.74 $0.76 $0.64 $0.72 $0.74
Adjusted Weighted Average Basic Shares Outstanding		 93.94M 94.22M 94.44M 94.47M 94.40M 94.65M 94.86M 94.89M 95.28M 103.71M 103.94M
Adjusted Diluted Earnings per Share		 $0.60 $0.53 $0.64 $0.55 $0.68 $0.54 $0.73 $0.75 $0.64 $0.71 $0.73
Adjusted Weighted Average Diluted Shares Outstanding		 95.10M 95.18M 95.47M 95.48M 95.41M 95.52M 95.74M 95.75M 96.16M 104.62M 104.94M
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		 95.07M 95.46M 95.48M 95.49M 95.42M 95.74M 95.75M 98.53M 104.59M 104.93M 104.97M
Normalized Net Operating Profit after Tax (NOPAT)		 57 51 61 52 65 51 70 72 - 75 77
Normalized NOPAT Margin		 28.26% 25.96% 28.31% 26.06% 28.93% 25.64% 30.97% 30.77% - 27.61% 29.15%
Pre Tax Income Margin		 35.56% 31.62% 34.82% 32.24% 29.84% 31.74% 38.82% 38.75% - 34.46% 35.75%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.84 0.67 0.75 0.64 0.69 0.70 1.00 1.01 - 1.01 1.04
NOPAT to Interest Expense		 0.67 0.55 0.61 0.52 0.67 0.56 0.80 0.80 - 0.80 0.84
EBIT Less CapEx to Interest Expense		 0.77 0.59 0.72 0.60 0.62 0.66 0.95 0.97 - 0.86 0.93
NOPAT Less CapEx to Interest Expense		 0.60 0.47 0.58 0.48 0.60 0.52 0.74 0.76 - 0.66 0.73
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 34.06% 36.81% 37.90% 40.12% 39.13% 39.52% 38.50% 36.00% - 35.02% 35.39%
Augmented Payout Ratio		 34.06% 36.81% 37.90% 40.12% 39.13% 39.52% 38.50% 36.00% - 35.02% 35.39%

Financials Breakdown Chart

Key Financial Trends

First Financial Bancorp. (NASDAQ:FFBC) has expanded meaningfully since 2022, with improving loan growth, higher revenue and stronger common equity. However, recent results also show rising operating costs, share dilution and volatile cash flows that investors should monitor.

  • Net interest income has accelerated. Net interest income increased from $159.3 million in Q1 2023 to $190.4 million in Q2 2026. The latest quarter was also slightly above Q1 2026 and 20% higher than the restated Q2 2025 figure of $158.3 million.
  • The balance sheet has grown substantially. Total assets rose from $16.6 billion in Q3 2022 to $22.4 billion in Q2 2026, while net loans increased from $9.7 billion to $13.5 billion. This provides a larger earning-asset base for future revenue generation.
  • Deposit funding has expanded over the longer term. Total deposits grew from approximately $12.3 billion in Q3 2022 to $17.5 billion in Q2 2026, supporting the company’s loan growth. The latest quarter did show a modest sequential decline, however.
  • Profitability has improved from the 2024 trough. Net income increased from $50.7 million in Q1 2024 to $76.5 million in Q2 2026. Q2 2026 net income was also 9% above the restated Q2 2025 result of $70.0 million.
  • Credit-loss provisions have moderated. The provision for credit losses declined to $8.2 million in Q2 2026 from $9.8 million in Q2 2025 and $10.1 million in Q4 2025. This supported the year-over-year improvement in pretax income.
  • Capital levels have strengthened. Common equity increased from $1.99 billion in Q3 2022 to $2.99 billion in Q2 2026. Common equity also represented roughly 13.3% of total assets in Q2 2026, up from approximately 12.0% in Q3 2022.
  • Noninterest income remains a useful supplement but is uneven. Noninterest income reached $73.8 million in Q2 2026, up from $46.5 million in Q1 2023. Results can fluctuate because investment gains, investment banking income and other noninterest revenue vary considerably from quarter to quarter.
  • Cash flow trends are difficult to interpret. Operating cash flow ranged from $31.4 million in Q2 2026 to $549.0 million in Q1 2026, with the earlier surge driven largely by a $415.0 million noncash adjustment. Investment-security purchases and sales also create substantial quarter-to-quarter swings in cash flow.
  • Operating expenses are rising faster than revenue in the latest comparison. Q2 2026 noninterest expense increased 25.6% year over year to $161.5 million, outpacing the 17.2% increase in total revenue. Salaries, occupancy, amortization and other operating expenses all rose from Q2 2025.
  • Share growth has limited per-share earnings improvement. Weighted-average basic shares increased from 93.7 million in Q1 2023 to 103.9 million in Q2 2026. As a result, diluted EPS was $0.73 in Q2 2026, unchanged from Q2 2025 despite higher net income, and below the $0.74 reported in Q1 2023.

Overall, FFBC shows a larger and better-capitalized banking franchise with stronger recent net interest income and loan growth. The primary investor concerns are whether expense growth can slow, whether deposits remain stable and whether rising credit-loss allowances eventually pressure earnings as the loan book expands.

09/19/26 07:48 PM ETAI Generated. May Contain Errors.

First Financial Bancorp. Financials - Frequently Asked Questions

According to the most recent income statement we have on file, First Financial Bancorp.'s financial year ends in December. Their financial year 2025 ended on December 31, 2025.

First Financial Bancorp.'s net income appears to be on an upward trend, with a most recent value of $255.61 million in 2025, rising from $75.06 million in 2015. The previous period was $228.83 million in 2024. View First Financial Bancorp.'s forecast to see where analysts expect First Financial Bancorp. to go next.

Over the last 10 years, First Financial Bancorp.'s total revenue changed from $321.70 million in 2015 to $899.48 million in 2025, a change of 179.6%.

First Financial Bancorp.'s total liabilities were at $18.36 billion at the end of 2025, a 13.8% increase from 2024, and a 150.2% increase since 2015.

In the past 10 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 $178.55 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:FFBC last updated on 8/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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