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First Financial Bancorp. (FFBC) Financials

First Financial Bancorp. logo
$30.73 +0.05 (+0.16%)
Closing price 04:00 PM Eastern
Extended Trading
$30.72 -0.02 (-0.05%)
As of 04:10 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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 63 57 51 61 52 65 51 70 72 62 74
Consolidated Net Income / (Loss)		 63 57 51 61 52 65 51 70 72 62 74
Net Income / (Loss) Continuing Operations		 63 57 51 61 52 65 51 70 72 62 74
Total Pre-Tax Income 		78 71 62 75 65 67 64 88 91 79 94
Total Revenue		 212 201 195 215 201 224 200 226 234 239 272
Net Interest Income / (Expense)		 155 154 149 153 156 154 149 158 160 174 190
Total Interest Income		 232 238 241 253 257 252 240 246 250 265 282
Loans and Leases Interest Income		 192 197 202 212 215 208 197 201 205 216 225
Investment Securities Interest Income		 35 34 31 33 35 36 37 38 39 43 52
Other Interest Income		 5.01 7.33 7.46 7.96 6.70 7.66 6.65 5.96 6.77 6.33 5.45
Total Interest Expense		 77 85 92 99 102 97 91 88 90 91 93
Deposits Interest Expense		 57 69 76 83 87 85 79 75 78 79 80
Short-Term Borrowings Interest Expense		 15 10 11 11 9.93 6.59 7.55 6.39 5.98 4.93 5.17
Long-Term Debt Interest Expense		 4.95 5.20 4.93 4.99 5.07 5.15 4.94 5.75 6.02 7.55 7.91
Total Non-Interest Income		 57 47 47 62 46 70 51 68 74 65 82
Service Charges on Deposit Accounts		 6.96 6.85 6.91 7.19 7.55 7.63 7.46 7.77 7.83 8.31 9.01
Other Service Charges		 11 6.83 9.30 9.11 15 11 8.29 9.35 14 14 11
Net Realized & Unrealized Capital Gains on Investments		 4.03 5.64 -1.40 4.42 -12 7.07 -4.06 8.60 6.79 -8.78 14
Investment Banking Income		 6.94 6.09 6.68 7.17 6.91 7.96 8.14 7.79 7.35 9.29 10
Other Non-Interest Income		 28 22 25 34 29 36 31 35 38 42 38
Provision for Credit Losses		 12 10 11 16 11 9.43 8.70 9.80 9.07 10 8.54
Total Non-Interest Expense		 122 119 122 124 126 148 128 129 134 150 169
Salaries and Employee Benefits		 76 71 74 75 75 80 75 75 81 85 100
Net Occupancy & Equipment Expense		 18 18 18 18 18 18 19 18 19 21 25
Marketing Expense		 2.60 2.09 1.96 2.61 2.26 2.20 2.02 2.74 2.36 3.06 2.65
Property & Liability Insurance Claims		 2.67 3.65 2.78 2.66 3.04 2.74 3.06 2.61 2.61 2.92 3.65
Other Operating Expenses		 21 21 23 22 25 38 14 28 27 46 31
Amortization Expense		 2.60 2.60 2.30 2.40 2.40 -7.36 15 2.36 2.36 -8.88 6.26
Other Special Charges		 - - 0.03 0.03 0.03 - 0.11 0.11 0.11 0.80 0.67
Income Tax Expense		 15 15 11 14 12 2.03 12 18 19 17 19
Basic Earnings per Share		 $0.67 $0.60 $0.54 $0.64 $0.56 $0.68 $0.54 $0.74 $0.76 $0.64 $0.72
Weighted Average Basic Shares Outstanding		 94.03M 93.94M 94.22M 94.44M 94.47M 94.40M 94.65M 94.86M 94.89M 95.28M 103.71M
Diluted Earnings per Share		 $0.66 $0.60 $0.53 $0.64 $0.55 $0.68 $0.54 $0.73 $0.75 $0.64 $0.71
Weighted Average Diluted Shares Outstanding		 95.13M 95.10M 95.18M 95.47M 95.48M 95.41M 95.52M 95.74M 95.75M 96.16M 104.62M
Weighted Average Basic & Diluted Shares Outstanding		 95.12M 95.07M 95.46M 95.48M 95.49M 95.42M 95.74M 95.75M 98.53M 104.59M 104.93M
Cash Dividends to Common per Share		 $0.23 - $0.23 $0.23 $0.24 - $0.24 $0.24 $0.25 - $0.25

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Change in Cash & Equivalents		 2.95 -7.28 -14 -5.61 -3.18 -16 16 20 -36 3.89 -7.91
Net Cash From Operating Activities		 92 116 32 68 88 74 56 70 90 122 549
Net Cash From Continuing Operating Activities		 92 116 32 68 88 74 56 70 90 122 549
Net Income / (Loss) Continuing Operations		 63 57 51 61 52 65 51 70 72 62 74
Consolidated Net Income / (Loss)		 63 57 51 61 52 65 51 70 72 62 74
Provision For Loan Losses		 12 10 11 16 11 9.43 8.70 9.80 9.07 10 8.54
Depreciation Expense		 7.63 7.36 7.40 7.78 7.67 7.49 7.33 7.35 7.40 9.74 13
Amortization Expense		 3.73 -4.11 3.34 3.11 2.72 1.99 1.69 1.33 1.06 0.65 1.34
Non-Cash Adjustments to Reconcile Net Income		 -1.25 19 20 -3.73 19 14 42 -13 19 -0.20 415
Changes in Operating Assets and Liabilities, net		 6.89 27 -61 -16 -4.36 -24 -54 -5.92 -19 39 36
Net Cash From Investing Activities		 54 -514 -43 -568 7.72 -396 73 -83 48 -584 -601
Net Cash From Continuing Investing Activities		 54 -514 -43 -568 7.72 -396 73 -83 48 -584 -601
Purchase of Property, Leasehold Improvements and Equipment		 -6.10 -6.00 -7.12 -3.29 -3.67 -7.00 -3.75 -4.95 -4.03 -8.03 -13
Purchase of Investment Securities		 -18 -371 -423 -676 -369 -469 -335 -292 -382 -1,146 -1,075
Sale and/or Maturity of Investments		 82 -120 395 117 414 87 416 217 431 570 488
Net Cash From Financing Activities		 -142 390 -2.25 495 -99 306 -112 33 -173 465 44
Net Cash From Continuing Financing Activities		 -142 390 -2.25 495 -99 306 -112 33 -173 465 44
Net Change in Deposits		 121 445 96 205 286 381 -132 173 63 198 288
Issuance of Debt		 -242 -40 -76 317 -368 -54 44 -115 -90 170 -65
Repayment of Debt		 0.75 - -1.07 -4.87 5.34 - -1.55 -1.11 -123 122 -153
Payment of Dividends		 -22 -22 -22 -22 -23 -23 -23 -24 -24 -24 -26
Cash Interest Paid		 68 84 95 95 102 106 90 96 91 88 92
Cash Income Taxes Paid		 0.68 1.68 0.01 21 4.68 1.59 0.11 1.56 2.31 5.24 0.46

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 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
Total Assets		 16,624 16,934 17,090 17,055 17,599 18,166 18,146 18,455 18,634 18,555 22,780
Cash and Due from Banks		 196 200 217 220 199 194 191 191 210 175 171
Interest Bearing Deposits at Other Banks		 339 305 485 453 751 739 661 633 570 565 1,032
Trading Account Securities		 3,628 3,477 3,347 3,138 2,942 3,133 3,248 3,355 3,486 3,516 5,021
Loans and Leases, Net of Allowance		 9,673 10,292 10,402 10,502 11,061 11,365 11,394 11,569 11,628 11,553 13,311
Loans and Leases		 9,797 10,433 10,550 10,647 11,205 11,521 11,553 11,724 11,786 11,715 13,495
Allowance for Loan and Lease Losses		 124 142 149 145 144 156 159 155 159 162 184
Premises and Equipment, Net		 274 343 324 329 360 365 398 412 415 413 448
Goodwill		 998 1,006 1,006 1,006 1,008 1,008 1,008 1,008 1,008 1,008 1,100
Intangible Assets		 97 91 89 86 86 84 82 77 75 74 146
Other Assets		 1,419 11,511 1,220 1,320 1,193 1,280 1,166 1,211 1,242 1,252 1,551
Total Liabilities & Shareholders' Equity		 16,624 16,934 17,090 17,055 17,599 18,166 18,146 18,455 18,634 18,555 22,780
Total Liabilities		 14,630 14,812 14,947 14,925 15,312 15,840 15,696 15,954 16,076 15,923 19,839
Non-Interest Bearing Deposits		 4,137 3,830 3,605 3,439 3,176 3,061 3,108 3,161 3,132 3,128 3,983
Interest Bearing Deposits		 8,203 8,845 9,190 9,477 10,281 10,600 10,840 11,036 11,238 11,306 13,936
Short-Term Debt		 185 128 166 219 162 139 47 65 4.70 45 70
Long-Term Debt		 1,328 1,432 1,390 1,096 1,043 1,379 1,109 1,081 1,025 772 930
Other Long-Term Liabilities		 774 577 596 695 650 660 592 611 676 672 920
Total Equity & Noncontrolling Interests		 1,994 2,121 2,143 2,130 2,287 2,326 2,450 2,501 2,558 2,632 2,941
Total Preferred & Common Equity		 1,994 2,121 2,143 2,130 2,287 2,326 2,450 2,501 2,558 2,632 2,941
Total Common Equity		 1,994 2,131 2,143 2,130 2,287 2,326 2,450 2,501 2,558 2,632 2,941
Common Stock		 1,632 1,629 1,633 1,636 1,633 1,636 1,639 1,637 1,639 1,641 1,790
Retained Earnings		 921 1,017 1,061 1,102 1,166 1,205 1,234 1,305 1,352 1,400 1,486
Treasury Stock		 -204 -188 -197 -198 -191 -191 -191 -187 -186 -186 -117
Accumulated Other Comprehensive Income / (Loss)		 -355 -328 -353 -410 -321 -323 -232 -254 -246 -223 -217

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
DEI Shares Outstanding		 - - - - - - - - - - 104,586,093.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 104,586,093.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.71
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 17.55% -6.16% -9.13% 1.09% -5.10% 11.70% 2.63% 5.36% 16.27% - 35.50%
EBITDA Growth		 66.40% -22.81% -26.81% -7.30% -16.12% 2.34% 0.21% 12.67% 31.72% - 49.12%
EBIT Growth		 66.47% -10.15% -29.60% -7.83% -17.21% -6.27% 3.02% 17.47% 39.77% - 47.11%
NOPAT Growth		 13.21% -17.88% -28.00% -7.40% -16.83% 14.37% 1.19% 15.12% 37.12% - 45.14%
Net Income Growth		 13.21% -17.88% -28.00% -7.40% -16.83% 14.37% 1.19% 15.12% 37.12% - 45.14%
EPS Growth		 11.86% -16.67% -28.38% -7.25% -16.67% 13.33% 1.89% 14.06% 36.36% - 31.48%
Operating Cash Flow Growth		 200.21% 336.07% -81.46% -36.31% -3.95% -36.25% 75.74% 2.54% 1.92% - 878.23%
Free Cash Flow Firm Growth		 120.67% 126.29% 126.40% 73.07% -187.15% -59.46% -143.01% 489.92% 310.08% - -113.03%
Invested Capital Growth		 -1.77% -3.41% -5.14% 3.91% 4.69% -0.25% 4.42% -6.67% -4.36% - 8.07%
Revenue Q/Q Growth		 -0.19% -5.34% -2.74% 10.02% -6.31% 11.42% -10.65% 12.95% 3.39% - 13.72%
EBITDA Q/Q Growth		 -2.92% -16.82% -2.90% 18.23% -12.16% 1.48% -4.92% 32.93% 2.69% - 20.97%
EBIT Q/Q Growth		 -3.43% -8.90% -13.52% 21.15% -13.26% 3.14% -4.95% 38.14% 3.21% - 18.24%
NOPAT Q/Q Growth		 -3.97% -10.04% -10.65% 19.96% -13.74% 23.71% -20.95% 36.46% 2.75% - 19.32%
Net Income Q/Q Growth		 -3.97% -10.04% -10.65% 19.96% -13.74% 23.71% -20.95% 36.46% 2.75% - 19.32%
EPS Q/Q Growth		 -4.35% -9.09% -11.67% 20.75% -14.06% 23.64% -20.59% 35.19% 2.74% - 10.94%
Operating Cash Flow Q/Q Growth		 -14.15% 26.64% -72.51% 113.13% 29.47% -15.95% -24.23% 24.36% 28.69% - 349.41%
Free Cash Flow Firm Q/Q Growth		 140.30% 45.37% 31.85% -134.87% -30.38% 167.61% -239.90% 416.15% -29.75% - 38.09%
Invested Capital Q/Q Growth		 -6.89% 3.06% -1.62% 10.07% -6.19% -1.81% 2.99% -1.62% -3.87% - -0.44%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.31% 37.18% 37.12% 39.89% 37.40% 34.06% 36.24% 42.65% 42.37% - 39.89%
EBIT Margin		 36.95% 35.56% 31.62% 34.82% 32.24% 29.84% 31.74% 38.82% 38.75% - 34.46%
Profit (Net Income) Margin		 29.73% 28.26% 25.96% 28.31% 26.06% 28.93% 25.60% 30.93% 30.73% - 27.42%
Tax Burden Percent		 80.47% 79.47% 82.10% 81.30% 80.85% 96.97% 80.65% 79.67% 79.32% - 79.56%
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		 19.53% 20.53% 17.90% 18.70% 19.15% 3.03% 19.35% 20.33% 20.68% - 20.44%
Return on Invested Capital (ROIC)		 7.30% 6.57% 5.94% 6.18% 6.00% 6.82% 6.03% 7.09% 7.71% - 7.01%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.30% 6.57% 5.94% 6.18% 6.00% 6.82% 6.03% 7.09% 7.71% - 7.01%
Return on Net Nonoperating Assets (RNNOA)		 5.01% 4.45% 3.73% 4.25% 3.24% 3.46% 2.96% 3.70% 2.99% - 2.77%
Return on Equity (ROE)		 12.31% 11.02% 9.66% 10.42% 9.24% 10.27% 8.99% 10.79% 10.70% - 9.78%
Cash Return on Invested Capital (CROIC)		 9.51% 10.55% 11.86% 2.30% 1.68% 6.71% 2.10% 13.32% 11.78% - -0.41%
Operating Return on Assets (OROA)		 1.87% 1.73% 1.50% 1.63% 1.49% 1.38% 1.48% 1.80% 1.87% - 1.62%
Return on Assets (ROA)		 1.51% 1.38% 1.23% 1.32% 1.20% 1.34% 1.19% 1.43% 1.48% - 1.29%
Return on Common Equity (ROCE)		 12.31% 11.02% 9.68% 10.42% 9.24% 10.27% 8.99% 10.79% 10.70% - 9.78%
Return on Equity Simple (ROE_SIMPLE)		 12.60% 0.00% 10.33% 9.94% 9.01% 0.00% 9.17% 9.33% 9.81% - 9.48%
Net Operating Profit after Tax (NOPAT)		 63 57 51 61 52 65 51 70 72 - 74
NOPAT Margin		 29.73% 28.26% 25.96% 28.31% 26.06% 28.93% 25.60% 30.93% 30.73% - 27.42%
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		 45.20% 45.14% 48.10% 44.76% 47.43% 44.84% 47.83% 42.40% 43.65% - 46.92%
Operating Expenses to Revenue		 57.55% 59.34% 62.67% 57.53% 62.49% 65.96% 63.92% 56.85% 57.38% - 62.39%
Earnings before Interest and Taxes (EBIT)		 78 71 62 75 65 67 64 88 91 - 94
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 90 75 72 86 75 76 73 97 99 - 108
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.84 0.96 0.92 0.91 0.98 1.05 0.95 0.91 0.92 - 0.99
Price to Tangible Book Value (P/TBV)		 1.72 1.85 1.77 1.72 1.77 1.90 1.68 1.57 1.56 - 1.72
Price to Revenue (P/Rev)		 2.10 2.59 2.57 2.58 2.97 3.07 2.84 2.73 2.73 - 3.00
Price to Earnings (P/E)		 6.67 8.50 8.94 9.17 10.92 11.22 10.39 9.73 9.37 - 10.46
Dividend Yield		 4.89% 4.02% 4.15% 4.14% 3.69% 3.50% 3.80% 3.96% 3.84% - 3.55%
Earnings Yield		 14.99% 11.77% 11.19% 10.90% 9.16% 8.92% 9.63% 10.27% 10.67% - 9.56%
Enterprise Value to Invested Capital (EV/IC)		 0.71 0.69 0.68 0.70 0.75 0.78 0.74 0.72 0.72 - 0.69
Enterprise Value to Revenue (EV/Rev)		 2.85 2.92 2.88 3.29 3.34 3.31 3.22 3.02 2.82 - 2.80
Enterprise Value to EBITDA (EV/EBITDA)		 6.57 6.89 7.18 8.39 8.81 8.93 8.73 8.02 7.24 - 6.90
Enterprise Value to EBIT (EV/EBIT)		 7.44 7.69 8.08 9.45 9.95 10.31 10.01 9.08 8.07 - 7.73
Enterprise Value to NOPAT (EV/NOPAT)		 9.06 9.58 10.02 11.70 12.30 12.08 11.79 10.78 9.67 - 9.73
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.12 5.03 6.82 8.79 8.92 10.55 9.45 8.93 8.61 - 3.27
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.36 6.43 5.56 31.19 45.92 11.63 36.11 5.20 6.01 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.62 0.57 0.53 0.65 0.47 0.45 0.46 0.40 0.31 - 0.34
Long-Term Debt to Equity		 0.51 0.50 0.46 0.59 0.45 0.40 0.43 0.40 0.29 - 0.32
Financial Leverage		 0.69 0.68 0.63 0.69 0.54 0.51 0.49 0.52 0.39 - 0.39
Leverage Ratio		 8.17 8.01 7.83 7.89 7.69 7.67 7.53 7.53 7.22 - 7.58
Compound Leverage Factor		 8.17 8.01 7.83 7.89 7.69 7.67 7.53 7.53 7.22 - 7.58
Debt to Total Capital		 38.18% 36.11% 34.51% 39.48% 32.05% 31.15% 31.41% 28.70% 23.69% - 25.39%
Short-Term Debt to Total Capital		 6.36% 3.88% 4.64% 3.62% 1.29% 3.68% 1.78% 0.13% 1.31% - 1.79%
Long-Term Debt to Total Capital		 31.82% 32.23% 29.87% 35.86% 30.76% 27.46% 29.64% 28.57% 22.38% - 23.60%
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		 61.82% 63.89% 65.49% 60.52% 67.95% 68.85% 68.59% 71.30% 76.31% - 74.61%
Debt to EBITDA		 3.55 3.60 3.66 4.71 3.75 3.56 3.70 3.21 2.37 - 2.54
Net Debt to EBITDA		 1.73 0.78 0.77 1.82 0.99 0.64 1.04 0.78 0.22 - -0.51
Long-Term Debt to EBITDA		 2.96 3.22 3.17 4.27 3.60 3.14 3.49 3.19 2.24 - 2.36
Debt to NOPAT		 4.90 5.01 5.10 6.56 5.24 4.82 4.99 4.31 3.17 - 3.59
Net Debt to NOPAT		 2.39 1.08 1.08 2.53 1.38 0.87 1.40 1.04 0.30 - -0.73
Long-Term Debt to NOPAT		 4.09 4.47 4.42 5.96 5.03 4.25 4.71 4.30 2.99 - 3.34
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% -0.21% 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)		 125 182 240 -84 -109 74 -103 326 229 - -220
Operating Cash Flow to CapEx		 1,503.61% 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%
Free Cash Flow to Firm to Interest Expense		 1.63 2.15 2.61 -0.84 -1.07 0.76 -1.13 3.72 2.55 - -2.37
Operating Cash Flow to Interest Expense		 1.20 1.37 0.35 0.68 0.87 0.76 0.62 0.80 1.00 - 5.91
Operating Cash Flow Less CapEx to Interest Expense		 1.12 1.30 0.27 0.65 0.83 0.69 0.57 0.74 0.96 - 5.77
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		 2.83 2.67 2.34 2.39 2.23 2.21 2.18 2.18 2.18 - 2.26
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,445 3,550 3,492 3,844 3,606 3,541 3,647 3,588 3,449 - 3,941
Invested Capital Turnover		 0.25 0.23 0.23 0.22 0.23 0.24 0.24 0.23 0.25 - 0.26
Increase / (Decrease) in Invested Capital		 -62 -125 -189 145 162 -8.90 155 -256 -157 - 294
Enterprise Value (EV)		 2,431 2,450 2,365 2,706 2,714 2,765 2,705 2,572 2,495 - 2,714
Market Capitalization		 1,789 2,174 2,111 2,121 2,409 2,567 2,384 2,323 2,418 - 2,916
Book Value per Share		 $22.39 $23.84 $24.27 $24.37 $25.66 $25.53 $26.21 $26.72 $27.49 - $28.12
Tangible Book Value per Share		 $10.90 $12.39 $12.67 $12.94 $14.26 $14.15 $14.85 $15.41 $16.19 - $16.21
Total Capital		 3,445 3,550 3,492 3,844 3,606 3,541 3,647 3,588 3,449 - 3,941
Total Debt		 1,315 1,282 1,205 1,518 1,156 1,103 1,146 1,030 817 - 1,001
Total Long-Term Debt		 1,096 1,144 1,043 1,379 1,109 973 1,081 1,025 772 - 930
Net Debt		 642 276 255 585 305 198 322 249 77 - -202
Capital Expenditures (CapEx)		 6.10 6.00 7.12 3.29 3.67 7.00 3.75 4.95 4.03 - 13
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)		 1,315 1,282 1,205 1,518 1,156 1,103 1,146 1,030 817 - 1,001
Total Depreciation and Amortization (D&A)		 11 3.25 11 11 10 9.47 9.02 8.68 8.46 - 15
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.67 $0.60 $0.54 $0.64 $0.56 $0.68 $0.54 $0.74 $0.76 $0.64 $0.72
Adjusted Weighted Average Basic Shares Outstanding		 94.03M 93.94M 94.22M 94.44M 94.47M 94.40M 94.65M 94.86M 94.89M 95.28M 103.71M
Adjusted Diluted Earnings per Share		 $0.66 $0.60 $0.53 $0.64 $0.55 $0.68 $0.54 $0.73 $0.75 $0.64 $0.71
Adjusted Weighted Average Diluted Shares Outstanding		 95.13M 95.10M 95.18M 95.47M 95.48M 95.41M 95.52M 95.74M 95.75M 96.16M 104.62M
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		 95.12M 95.07M 95.46M 95.48M 95.49M 95.42M 95.74M 95.75M 98.53M 104.59M 104.93M
Normalized Net Operating Profit after Tax (NOPAT)		 63 57 51 61 52 65 51 70 72 - 75
Normalized NOPAT Margin		 29.73% 28.26% 25.96% 28.31% 26.06% 28.93% 25.64% 30.97% 30.77% - 27.61%
Pre Tax Income Margin		 36.95% 35.56% 31.62% 34.82% 32.24% 29.84% 31.74% 38.82% 38.75% - 34.46%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.02 0.84 0.67 0.75 0.64 0.69 0.70 1.00 1.01 - 1.01
NOPAT to Interest Expense		 0.82 0.67 0.55 0.61 0.52 0.67 0.56 0.80 0.80 - 0.80
EBIT Less CapEx to Interest Expense		 0.94 0.77 0.59 0.72 0.60 0.62 0.66 0.95 0.97 - 0.86
NOPAT Less CapEx to Interest Expense		 0.74 0.60 0.47 0.58 0.48 0.60 0.52 0.74 0.76 - 0.66
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 32.45% 34.06% 36.81% 37.90% 40.12% 39.13% 39.52% 38.50% 36.00% - 35.02%
Augmented Payout Ratio		 32.45% 34.06% 36.81% 37.90% 40.12% 39.13% 39.52% 38.50% 36.00% - 35.02%

Financials Breakdown Chart

Key Financial Trends

Here’s a concise, data-driven look at First Financial Bancorp (FFBC) using the quarterly statements from the last four years. The focus is on identifying trends in the income statement, cash flow, and balance sheet that may matter to retail investors.

  • Net interest income has trended higher through 2025, climbing to about $174.0 million in Q4 2025 from roughly the mid-$140s to $150s million earlier in the year, signaling a stronger core lending margin in a rising-rate environment.
  • Total revenue in Q4 2025 reached approximately $238.8 million, up from about $224.3 million in Q4 2024, indicating a growing topline across 2025.
  • Net cash from continuing operating activities improved across 2025, with Q4 2025 posting about $122.2 million, illustrating solid cash generation from core operations heading into year-end.
  • Deposit funding remained solid, with a notable net increase in deposits in Q4 2025 (approximately $198 million), supporting liquidity and funding stability.
  • The equity base remained strong, with Total Common Equity around $2.63 billion in mid-2025, highlighting a solid capital buffer to fund growth and absorb potential losses.
  • Dividend payments per share stayed steady in the $0.24-$0.25 range across 2025, providing predictable income for shareholders.
  • Provision for credit losses stayed modest and aligned with loan growth (e.g., about $10.1 million in Q4 2025; ~$9 million in several earlier quarters), indicating prudent credit risk management.
  • Non-interest income shows quarterly variability due to capital gains/losses and investment activity (e.g., Net Realized & Unrealized Capital Gains on Investments fluctuates, including a negative in Q4 2025), adding earnings volatility but not necessarily reflecting deteriorating fundamentals.
  • Earnings per share and quarterly net income show typical volatility year-to-year and quarter-to-quarter (Q4 2025 diluted EPS about $0.64; Q3 2025 around $0.75; reflects share count effects and quarterly mix).
  • Year-over-year quarterly earnings in Q4 can be modestly weaker (Q4 2025 net income continuing operations around $62.4 million vs. a similar range in prior-year quarters), suggesting some pressure on bottom-line growth despite a higher topline.
05/22/26 07:09 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 fiscal year ends in December. Their fiscal 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. See where experts think First Financial Bancorp. is headed by visiting First Financial Bancorp.'s forecast page.

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 5/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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