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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $31.83M | $30.32M | $30.03M | $31.18M | $32.14M | $33.34M |
| Operating Income | $321.27M | $268.32M | $318.60M | $241.72M | $240.93M | $184.41M |
| Interest Expense | - | - | $275.23M | $65.86M | $31.10M | $68.45M |
| Income Tax | $65.67M | $39.49M | $62.73M | $24.11M | $35.77M | $28.60M |
| Net Income | $255.60M | $228.83M | $255.86M | $217.61M | $205.16M | $155.81M |
| EPS - Basic | $2.68 | $2.42 | $2.72 | $2.33 | $2.16 | $1.60 |
| EPS - Diluted | $2.66 | $2.40 | $2.69 | $2.30 | $2.14 | $1.59 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $178.55M | $174.26M | $213.06M | $200.69M | - | - |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $21.13B | $18.57B | $17.53B | $17.00B | $16.33B | $15.97B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $514.05M | $347.51M | $344.12M | $346.67M | $409.83M | $776.20M |
| Total Liabilities | $18.36B | $16.13B | $15.26B | $14.96B | $14.07B | $13.69B |
| Stockholders' Equity | $2.77B | $2.44B | $2.27B | $2.04B | $2.26B | $2.28B |
| Retained Earnings | $1.44B | $1.28B | $1.14B | $968.24M | $837.47M | $720.43M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $337.86M | $262.16M | $486.97M | $200.85M | $390.46M | $109.89M |
| Investing Cash Flow | ($546.72M) | ($1.00B) | ($701.26M) | ($883.11M) | ($512.33M) | ($1.20B) |
| Financing Cash Flow | $213.16M | $699.08M | $219.85M | $669.73M | $110.85M | $1.13B |
| CapEx | $20.76M | $21.07M | $24.14M | $13.78M | $15.33M | $16.47M |
| Free Cash Flow | $317.10M | $241.08M | $462.83M | $187.07M | $375.13M | $93.42M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.24 | 1.05 | 1.81 | 0.86 | 1.83 | 0.60 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.4% | 14.7% | 19.7% | 10.0% | 14.8% | 15.5% |
| Return on assets | 1.2% | 1.2% | 1.5% | 1.3% | 1.3% | 1.0% |
| Return on equity | 9.2% | 9.4% | 11.3% | 10.7% | 9.1% | 6.8% |
| Return on invested capital | 7.8% | 8.2% | 9.8% | 9.1% | 7.7% | 5.1% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.19 | 0.14 | 0.15 | 0.17 | 0.18 | 0.34 |
| Debt / Assets | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.05 |
| Debt / EBITDA | 1.46 | 1.16 | 0.99 | 1.27 | 1.50 | 3.56 |
| Interest coverage | - | - | 1.2x | 3.7x | 7.7x | 2.7x |
| Equity multiplier | 7.63 | 7.62 | 7.73 | 8.33 | 7.23 | 7.00 |
| Liabilities / Assets | 0.87 | 0.87 | 0.87 | 0.88 | 0.86 | 0.86 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 9.4x | 11.2x | 8.8x | 10.5x | 11.4x | 11.0x |
| P / B | 0.9x | 1.1x | 1.0x | 1.1x | 1.0x | 0.8x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 7.8x | 9.2x | 6.9x | 8.9x | 10.1x | 11.5x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 19.7% | -15.8% | 31.8% | 0.3% | 30.7% | -24.1% |
| Net income growth (YoY) | 11.7% | -10.6% | 17.6% | 6.1% | 31.7% | -21.3% |
| EPS growth (YoY) | 10.8% | -10.8% | 17.0% | 7.5% | 34.6% | -20.5% |
| EPS CAGR (3y) | 5.0% | 3.9% | 19.2% | 4.8% | 3.5% | 0.6% |
| EPS CAGR (5y) | 10.8% | 3.7% | 6.9% | 8.1% | 8.4% | - |
| FCF growth (YoY) | 31.5% | -47.9% | 147.4% | -50.1% | 301.5% | -43.5% |
| FCF CAGR (5y) | 27.7% | 7.8% | 13.7% | 10.3% | 23.9% | - |
| Book value growth (YoY) | 13.6% | 7.5% | 11.1% | -9.6% | -1.0% | 1.5% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |