FFBC · First Financial Bancorp /Oh/ - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $13.39M | - | - | - | $7.33M | - | - | - | $7.39M | - |
| Operating Income | $93.57M | - | $90.68M | $87.86M | $63.60M | - | $64.88M | $74.80M | $61.74M | - |
| Interest Expense | - | - | - | - | - | - | - | $99.41M | $91.95M | - |
| Income Tax | $19.12M | - | $18.75M | $17.86M | $12.31M | - | $12.43M | $13.99M | $11.05M | - |
| Net Income | $74.44M | - | $71.92M | $70.00M | $51.29M | - | $52.45M | $60.80M | $50.69M | - |
| EPS - Basic | $0.72 | - | $0.76 | $0.74 | $0.54 | - | $0.56 | $0.64 | $0.54 | - |
| EPS - Diluted | $0.71 | - | $0.75 | $0.73 | $0.54 | - | $0.55 | $0.64 | $0.53 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $170.64M | $178.55M | $174.66M | $210.19M | $190.61M | $174.26M | $190.62M | $193.79M | $199.41M | $213.06M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $22.78B | $21.13B | $18.55B | $18.63B | $18.46B | $18.57B | $18.15B | $18.17B | $17.60B | $17.53B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $380.18M | $514.05M | $221.82M | $344.95M | $345.88M | $347.51M | $344.09M | $338.56M | $343.24M | $344.12M |
| Total Liabilities | $19.84B | $18.36B | $15.92B | $16.08B | $15.95B | $16.13B | $15.70B | $15.84B | $15.31B | $15.26B |
| Stockholders' Equity | $2.94B | $2.77B | $2.63B | $2.56B | $2.50B | $2.44B | $2.45B | $2.33B | $2.29B | $2.27B |
| Retained Earnings | $1.49B | $1.44B | $1.40B | $1.35B | $1.30B | $1.28B | $1.23B | $1.20B | $1.17B | $1.14B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $548.95M | - | - | - | $56.12M | - | - | - | $31.93M | - |
| Investing Cash Flow | ($600.56M) | - | - | - | $72.62M | - | - | - | ($43.33M) | - |
| Financing Cash Flow | $43.70M | - | - | - | ($112.38M) | - | - | - | ($2.25M) | - |
| CapEx | $13.49M | - | - | - | $3.75M | - | - | - | $7.12M | - |
| Free Cash Flow | $535.46M | - | - | - | $52.37M | - | - | - | $24.81M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 7.19 | - | - | - | 1.02 | - | - | - | 0.49 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 20.4% | - | 20.7% | 20.3% | 19.4% | - | 19.2% | 18.7% | 17.9% | - |
| Return on assets | 0.3% | - | 0.4% | 0.4% | 0.3% | - | 0.3% | 0.3% | 0.3% | - |
| Return on equity | 2.5% | - | 2.7% | 2.7% | 2.1% | - | 2.1% | 2.6% | 2.2% | - |
| Return on invested capital | 2.2% | - | 2.5% | 2.4% | 1.8% | - | 1.9% | 2.3% | 1.9% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.13 | 0.19 | 0.08 | 0.13 | 0.14 | 0.14 | 0.14 | 0.15 | 0.15 | 0.15 |
| Debt / Assets | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Debt / EBITDA | 3.55 | - | - | - | 4.88 | - | - | - | 4.96 | - |
| Interest coverage | - | - | - | - | - | - | - | 0.8x | 0.7x | - |
| Equity multiplier | 7.75 | 7.63 | 7.05 | 7.28 | 7.38 | 7.62 | 7.41 | 7.81 | 7.70 | 7.73 |
| Liabilities / Assets | 0.87 | 0.87 | 0.86 | 0.86 | 0.86 | 0.87 | 0.86 | 0.87 | 0.87 | 0.87 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 39.3x | - | 33.7x | 33.2x | 46.3x | - | 45.9x | 34.7x | 42.3x | - |
| P / B | 1.0x | - | 0.9x | 0.9x | 1.0x | - | 1.0x | 0.9x | 0.9x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 29.2x | - | - | - | 35.8x | - | - | - | 32.9x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 47.1% | - | 39.8% | 17.5% | 3.0% | - | -17.2% | -7.8% | -29.6% | - |
| Net income growth (YoY) | 45.1% | - | 37.1% | 15.1% | 1.2% | - | -16.8% | -7.4% | -28.0% | - |
| EPS growth (YoY) | 31.5% | - | 36.4% | 14.1% | 1.9% | - | -16.7% | -7.2% | -28.4% | - |
| EPS CAGR (3y) | -1.4% | - | 8.3% | 9.9% | 7.1% | - | -4.4% | 7.2% | 3.4% | - |
| EPS CAGR (5y) | 8.1% | - | 12.3% | 13.9% | 13.2% | - | 1.5% | 3.8% | 2.4% | - |
| FCF growth (YoY) | 922.5% | - | - | - | 111.1% | - | - | - | -85.2% | - |
| FCF CAGR (5y) | 30.0% | - | - | - | - | - | - | - | -7.5% | - |
| Book value growth (YoY) | 17.6% | 13.6% | 7.4% | 10.0% | 9.4% | 7.5% | 15.1% | 8.5% | 7.8% | 11.1% |
Peer comparison
Same SIC group: National Commercial Banks
Comparing FIRST FINANCIAL BANCORP /OH/ against the 5 most active filers in the same SIC group.
Dividends
$1.00/share trailing 12 months · +4.2% YoY
| Ex-date | Per share |
|---|---|
| Jun 1, 2026 | $0.2500 |
| Mar 2, 2026 | $0.2500 |
| Dec 1, 2025 | $0.2500 |
| Sep 2, 2025 | $0.2500 |
| Jun 2, 2025 | $0.2400 |
| Mar 3, 2025 | $0.2400 |
| Dec 2, 2024 | $0.2400 |
| Aug 30, 2024 | $0.2400 |
| Jun 3, 2024 | $0.2300 |
| Feb 29, 2024 | $0.2300 |
| Nov 30, 2023 | $0.2300 |
| Aug 31, 2023 | $0.2300 |
| May 31, 2023 | $0.2300 |
| Feb 28, 2023 | $0.2300 |
| Nov 30, 2022 | $0.2300 |
| Aug 31, 2022 | $0.2300 |
| May 31, 2022 | $0.2300 |
| Feb 28, 2022 | $0.2300 |
| Nov 30, 2021 | $0.2300 |
| Aug 31, 2021 | $0.2300 |
| May 28, 2021 | $0.2300 |
| Feb 26, 2021 | $0.2300 |
| Nov 30, 2020 | $0.2300 |
| Aug 31, 2020 | $0.2300 |