First Financial Bancorp.

First Financial Bancorp.

FFBC
First Financial Bancorp.US flagNASDAQ Global Select
30.46
USD
+0.44
- -
3.20BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
5.21
4.98
5.27
5.61
5.85
6.24
6.26
6.63
6.56
7.58
8.94
8.85
9.44
9.86
Basic EPS, GAAP
0.84
1.11
1.23
1.45
1.57
1.95
2.01
1.6
2.16
2.33
2.72
2.42
2.68
2.86
Free Cash Flow per Basic Share
2.74
0.78
1.38
2.18
1.9
2.73
1.68
0.94
3.92
2
4.93
2.55
3.33
8.2
Dividend per Share
1.07
0.59
0.64
0.64
0.67
0.9
0.91
0.92
0.92
0.93
0.93
0.95
0.99
1
Book Value per Share
15.74
15.81
15.72
16.5
17.31
25.21
23.93
24.23
26.07
27.83
29.55
30.91
32.38
33.58
Tangible Book Value per Share
10.15
10.88
9.79
10.72
11.75
13.06
12.55
13.14
12.14
10.11
12.54
14.31
16.28
17.38
Basic Weighted Avg Shares
57
59
61
61
62
89
98
97
95
94
94
94
95
98
Sales/Revenue/Turnover
298
292
322
342
360
553
616
646
624
709
840
836
899
962
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
14
13
13
13
13
24
28
41
40
39
38
38
40
46
Net Income, GAAP
48
65
75
89
97
173
198
156
205
218
256
229
256
279
Effective Tax Rate (%)
28.46
31.6
32.33
32.28
16.68
19.43
18.44
15.51
14.85
9.97
19.69
14.72
20.44
20.64
Profit Margin (%)
16.21
22.24
23.33
25.86
26.91
31.23
32.17
24.13
32.9
30.7
30.45
27.39
28.42
28.98
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
8
23
120
120
120
571
414
341
387
347
344
348
514
380
Total Equity
682
784
809
865
931
2,078
2,248
2,282
2,259
2,041
2,268
2,438
2,769
2,941
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
5.34
7.11
7.96
9
9.34
10.47
8.64
6.61
8.48
8.57
9.51
8.04
8.52
8.97

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
595
675
620
LT Borrowings
221
513
379
LT Finance Leases
1
1
1
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
96
99
105
Market Capitalization
2,392
2,384
2,720

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4,162
3,999
5,304
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
595
675
620
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.9%
4.31%
13.58%
Free Cash Flow
46.38%
77.38%
31.53%
Net Income, GAAP
15.55%
11.29%
11.7%
Sales/Revenue/Turnover
11.73%
7.18%
7.65%
Total Cash Common Dividend
11.7%
1.12%
5.7%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
195
215
201
224
836
2025
200
226
234
239
899
2026
263
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.54
0.64
0.56
0.69
2.42
2025
0.54
0.74
0.76
0.65
2.68
2026
0.72
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.23
0.24
0.24
0.24
0.95
2025
0.24
0.25
0.25
0.25
0.99
2026
0.25
- -
- -
- -
- -

Company Description

APIChat
CEO
James Michael Anderson
Full Time Employees
2,021
Sector
Financial Services
Industry
Banks - Regional
Address
255 East Fifth Street Cincinnati OH United States of America 45202
IPO Date
Dec 21, 1983
Business
First Financial Bancorp. (Nasdaq: FFBC) operates as the bank holding company for First Financial Bank, which provides commercial banking and related financial services to individuals, businesses, and communities primarily in Ohio, Indiana, Kentucky, Illinois, and Michigan. Founded in 1863 and headquartered in Cincinnati, Ohio, the company offers a comprehensive range of deposit products, including checking and savings accounts, interest-bearing and non-interest-bearing demand deposits, time deposits, and cash management services; lending solutions such as residential real estate loans for one- to four-family housing, commercial real estate loans for owner-occupied and investor properties including apartments, shopping centers, and office buildings, commercial and industrial loans for inventory, receivables, equipment, and franchise financing, consumer loans encompassing new and used vehicle financing, second mortgages, unsecured personal loans, and home equity lines of credit; and specialized services like secured commercial financing for the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees, alongside trust and wealth management, lease and equipment financing, currency payments, foreign exchange hedging, commodities hedging, advisory products, mortgages, and leasing through business segments including commercial, retail banking, investment commercial real estate, and consumer banking. First Financial Bank maintains approximately 127 banking centers across its five-state footprint, with targeted expertise in niche lending areas such as agriculture loans, pharmacy loans, pet care loans, and logistics route loans, serving retail clients, small- to medium-sized businesses, and specialized commercial sectors while emphasizing digital transformation for efficiency and expanded customer outreach. In recent developments, First Financial Bancorp agreed in June 2025 to acquire Westfield Bancorp, the $2.2 billion-asset holding company of Westfield Bank, FSB, for approximately $325 million in an all-stock transaction expected to close in the fourth quarter of 2025 pending regulatory approvals, thereby expanding its Northeast Ohio presence with additional retail branches, commercial banking, insurance agency, and private banking capabilities while growing total assets to over $20.6 billion and enhancing credit capacity for clients; the company also announced in August 2025 an agreement to acquire Chicago-based BankFinancial Corporation in an all-stock deal, incorporating 18 financial centers and bolstering its Chicagoland commercial and retail operations. These strategic acquisitions build on prior expansions into markets like Chicago, Cleveland, and Grand Rapids, alongside ongoing digital initiatives that have improved net profit margins to 31.6% through cost efficiencies and process enhancements, positioning the institution for sustained revenue growth amid demographic shifts and diversified services.

Company News

APIChat
  • First Financial Bancorp (FFBC) is a Top Dividend Stock Right Now: Should You Buy?

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  • Brown Advisory Sustainable Small-Cap Core Strategy Q1 2026 Portfolio Activity

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  • First Financial Bancorp Declares Quarterly Cash Dividend

  • First Financial Bancorp. (FFBC) Q1 2026 Earnings Call Transcript

  • First Financial (FFBC) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

  • First Financial Bancorp (FFBC) Surpasses Q1 Earnings and Revenue Estimates

  • First Financial Bancorp Announces First Quarter 2026 Financial Results

  • OVBC vs. FFBC: Which Ohio Regional Bank Stock Is the Better Buy Now?

  • SG Americas Securities LLC Purchases 45,943 Shares of First Financial Bancorp. $FFBC

  • First Financial Bancorp to Announce First Quarter 2026 Financial Results on Thursday, April 23, 2026

  • First Financial Bancorp. (NASDAQ:FFBC) Given Average Rating of “Moderate Buy” by Analysts

  • Why First Financial Bancorp (FFBC) is a Great Dividend Stock Right Now

  • Citigroup Inc. Cuts Position in First Financial Bancorp. $FFBC

  • Why First Financial Bancorp (FFBC) is a Top Dividend Stock for Your Portfolio

  • First Financial Bank Wins Second Consecutive Gallup Exceptional Workplace Award

  • First Financial Bancorp (FFBC) Could Be a Great Choice