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First Financial Bancorp

Financial Services US FFBC

30.4USD
0.63(2.12%)

Last update at 2026-06-04T17:55:00Z

Day Range

30.0530.66
LowHigh

52 Week Range

21.7031.10
LowHigh

Fundamentals

  • Previous Close 29.77
  • Market Cap3066.88M
  • Volume693670
  • P/E Ratio11.16
  • Dividend Yield3.30%
  • Revenue TTM855.34M
  • Revenue Per Share TTM8.98
  • Gross Profit TTM 855.34M
  • Diluted EPS TTM2.62

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 321.27M 268.32M 318.60M 241.72M 240.93M
Minority interest - - - - -
Net income 255.60M 228.83M 255.86M 217.61M 205.16M
Selling general administrative 364.45M 359.92M 337.18M 276.56M 285.85M
Selling and marketing expenses 10.17M 9.03M 9.65M 8.74M 7.98M
Gross profit 861.82M 787.92M 797.09M 708.78M 623.62M
Reconciled depreciation 39.82M 38.42M 37.63M 11.19M 9.84M
Ebit 321.27M 268.32M 318.60M 335.21M 240.93M
Ebitda 343.36M 306.74M 356.39M 346.39M 250.77M
Depreciation and amortization 22.09M 38.42M 37.80M 11.19M 9.84M
Non operating income net other - - - - -
Operating income 321.27M 268.32M 318.60M 335.21M 240.93M
Other operating expenses 938.07M 957.34M 796.83M -373.57700M -382.69100M
Interest expense 359.86M 390.08M 275.23M 65.86M 31.10M
Tax provision 65.67M 39.49M 58.45M 24.11M 35.77M
Interest income 1001.90M 1002.10M 854.48M 585.01M 483.22M
Net interest income 642.05M 612.01M 631.90M 519.14M 452.12M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 65.67M 39.49M 62.73M 24.11M 35.77M
Total revenue 1259.34M 1225.66M 1115.43M 708.78M 623.62M
Total operating expenses 540.55M 519.60M 478.49M -373.57700M -382.69100M
Cost of revenue 397.52M 437.74M 318.34M - -
Total other income expense net - 268.32M -90.65600M -93.48500M -31.09900M
Discontinued operations - - - - -
Net income from continuing ops 255.60M 228.83M 268.22M 217.61M 205.16M
Net income applicable to common shares - - - 217.61M 205.16M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 21129.38M 18570.26M 17532.90M 17003.32M 16329.14M
Intangible assets 118.83M 79.29M 83.95M 93.92M 88.90M
Earning assets - - - - -
Other current assets - 971.97M 1078.74M 96.64M 4868.32M
Total liab 18360.16M 16132.22M 15264.93M 14961.94M 14070.20M
Total stockholder equity 2769.22M 2438.04M 2267.97M 2041.37M 2258.94M
Deferred long term liab - - - - -
Other current liab 16421.84M 14329.14M 8804.19M -1914.09400M -737.21000M
Common stock 1647.62M 1642.06M 1638.97M 1634.61M 1640.36M
Capital stock 1647.62M 1642.06M 1638.97M 1634.61M 1640.36M
Retained earnings 1437.29M 1276.33M 1136.72M 968.24M 837.47M
Other liab - - - 448.37M 397.97M
Good will 1099.52M 1007.66M 1005.87M 1001.51M 1000.75M
Other assets - 17598.29M - 6528.14M 4868.32M
Cash 178.55M 904.49M 1006.02M 595.68M 434.84M
Cash and equivalents - - - - -
Total current liabilities 17096.84M 15084.59M 9756.74M 1914.09M 737.21M
Current deferred revenue - - - - -
Net debt 1010.50M 198.47M 357.17M 1038.14M 219.99M
Short term debt 675.00M 755.45M 952.55M 1287.16M 245.00M
Short long term debt 675.33M 755.45M 937.81M 1287.16M 245.00M
Short long term debt total 1189.05M 1102.96M 1363.19M 1633.83M 654.83M
Other stockholder equity -125.74600M -190.54400M -197.89700M -202.80600M -218.45600M
Property plant equipment - - - 91.74M 73.86M
Total current assets 4747.82M 3949.18M 1078.74M 5462.10M 5695.04M
Long term investments 4160.04M 3375.33M 3231.39M 3636.83M 4409.24M
Net tangible assets - - - 945.95M 1169.30M
Short term investments 3971.93M 2459.73M 3021.13M 3409.65M 4207.85M
Net receivables 597.34M 584.97M 462.45M 1456.77M 1052.35M
Long term debt 512.90M 345.99M 342.50M 346.67M 409.83M
Inventory - - -249.39300M 0.19M 0.10M
Accounts payable - - - 626.94M 492.21M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -189.94200M -289.79900M -309.81900M -358.66300M -0.43300M
Additional paid in capital - - - - -
Common stock total equity - - - 1634.61M 1640.36M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 968.24M 837.47M
Treasury stock - - - -202.80600M -218.45600M
Accumulated amortization - - - - -
Non currrent assets other 1534.37M 1178.24M 448.56M -5013.07300M -5765.78100M
Deferred long term asset charges - - - - -
Non current assets total 16381.56M 14621.08M 16454.15M 5013.07M 5765.78M
Capital lease obligations 1.15M 1.52M 1.61M 1.70M 1.78M
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -370.52100M -1000.03500M -659.43500M -846.90400M -389.25500M
Change to liabilities - - - 170.95M -26.12600M
Total cashflows from investing activities -546.72400M -1000.03500M - -883.10500M -512.33400M
Net borrowings 9.96M -179.71900M - 926.93M -333.77300M
Total cash from financing activities 213.16M 699.08M 219.85M 669.73M 110.85M
Change to operating activities - - - -55.44400M 112.57M
Net income 255.60M 228.83M 255.86M 217.61M 205.16M
Change in cash 4.29M -38.80100M 5.56M -12.53000M -11.02300M
Begin period cash flow 174.26M 213.06M 207.50M 220.03M 231.05M
End period cash flow 178.55M 174.26M 213.06M 207.50M 220.03M
Total cash from operating activities 337.86M 262.16M 478.40M 200.85M 390.46M
Issuance of capital stock - - - - -
Depreciation 39.82M 38.42M 37.80M 38.81M 32.14M
Other cashflows from investing activities 31.74M -757.37800M - -22.42300M -107.74600M
Dividends paid 94.65M 89.54M 87.16M 86.61M 87.32M
Change to inventory - - - - 113.99M
Change to account receivables 2.54M 4.96M -9.56700M -19.13400M 6.46M
Sale purchase of stock - - 0.00000M 0.18M -108.07700M
Other cashflows from financing activities 297.84M 968.34M 659.62M 820.35M 769.62M
Change to netincome - - - 13.37M 5.75M
Capital expenditures 20.76M 21.07M 24.14M 43.25M 15.33M
Change receivables - - - -19.13400M 6.46M
Cash flows other operating - - - -225.95700M 138.09M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -12.53000M -11.02300M
Change in working capital -39.58200M -104.73600M 127.68M -74.57800M 119.03M
Stock based compensation 15.59M 15.69M 14.90M 13.38M 9.63M
Other non cash items 47.52M 62.75M 28.80M 9.13M 12.41M
Free cash flow 317.10M 241.08M 454.26M 157.59M 375.13M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
FFBC
First Financial Bancorp		 0.63 2.12% 30.40 11.16 9.58 3.59 1.11 4.73
HDB
HDFC Bank Limited ADR		 0.41 1.74% 23.96 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.04 0.15% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.22 2.50% 50.10 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and commercial customers. It also provides real estate loans secured by residential property, such as one to four family residential housing units or commercial property comprising owner-occupied and/or investor income producing real estate consisting of apartments, shopping centers, and office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment, as well as equipment and leasehold improvement financing for franchisees; consumer loans, such as new and used vehicle loans, second mortgages on residential real estate and unsecured loans; and home equity lines of credit. In addition, the company offers secured commercial financing services to the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees. Further, it provides a range of trust and wealth management services, lease and equipment financing services, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

First Financial Bancorp

255 East Fifth Street, Cincinnati, OH, United States, 45202

Key Executives

Name Title Year Born
Mr. Archie M. Brown Jr. Pres, CEO & Director 1961
Mr. James Michael Anderson Exec. VP & CFO 1972
Mr. John M. Gavigan Exec. VP & COO 1978
Ms. Karen Ball Woods J.D. Exec. VP, Gen. Counsel & Chief Risk Officer 1968
Mr. Richard S. Dennen CPA Exec. VP & Chief Corp. Banking Officer 1967
Mr. Scott T. Crawley CPA First VP, Corp. Controller & Principal Accounting Officer 1981
Mr. Gregory A. Harris Pres of Wealth Management & Affluent Banking 1970
Mr. Roddell McCullough Chief Responsibility Officer NA
Mr. William R. Harrod Exec. VP & Chief Credit Officer 1968
Ms. Amanda N. Neeley Exec. VP and Chief Consumer Banking & Strategy Officer 1981

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