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First Financial Bancorp.(FFBC)Earnings, Financials & Key Ratios
FFBC•NASDAQ•Banking & Credit
11.9× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutFirst Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company accepts various deposit products, such as interest-bearing and noninterest-bearing accounts, time deposits, and cash management services for 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, or office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment; consumer loans comprising 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 commercial financing 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; and lease and equipment financing services. As of December 31, 2021, the company operated 139 full service banking centers, 29 of which are leased facilities. It operates 62 banking centers in Ohio, three banking centers in Illinois, 62 banking centers in Indiana, and 12 banking centers in Kentucky. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.Show more
- Net Interest Income$642M+4.9%
- Total Revenue$1.26B+2.7%
- Net Income$256M+11.7%
- Return on Equity9.82%+0.9%
- Net Interest Margin3.04%-7.8%
- Efficiency Ratio42.92%+1.3%
- ROA1.29%+1.6%
- Equity / Assets13.11%-0.2%
- Book Value per Share28.92+13.2%
FFBC Key Insights
First Financial Bancorp. (FFBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 42.9% efficiency ratio
- ✓Well capitalized: 13.1% equity/assets
- ✓Healthy dividend yield of 3.1%
- ✓Trading near 52-week high
- ✓Trading at only 1.1x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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FFBC Price & Volume
First Financial Bancorp. (FFBC) stock price & volume — 10-year historical chart
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FFBC Growth Metrics
First Financial Bancorp. (FFBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years13.82%
5 Years12.02%
3 Years17.58%
TTM-
Profit CAGR
10 Years13.04%
5 Years10.41%
3 Years5.51%
TTM11.7%
EPS CAGR
10 Years8.2%
5 Years10.84%
3 Years4.97%
TTM10.83%
Return on Capital
10 Years9.82%
5 Years9.18%
3 Years9.29%
Last Year8.55%
FFBC Recent Earnings
First Financial Bancorp. (FFBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.72+17.5%
$0.61
Rev
$272M+5.3%
$258M
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.80+1.3%
$0.79
Rev
$239M-4.1%
$249M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.76+3.5%
$0.73
Rev
$256M+11.3%
$230M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.74+7.2%
$0.69
Rev
$226M+0.9%
$224M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.72vs $0.61+17.5% | $272Mvs $258M+5.3% |
| Q1 2026 | Jan 28, 2026 | $0.80vs $0.79+1.3% | $239Mvs $249M-4.1% |
| Q4 2025 | Oct 23, 2025 | $0.76vs $0.73+3.5% | $256Mvs $230M+11.3% |
| Q3 2025 | Jul 24, 2025 | $0.74vs $0.69+7.2% | $226Mvs $224M+0.9% |
Based on last 12 quarters of dataView full earnings history →
FFBC Peer Comparison
First Financial Bancorp. (FFBC) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 ONB | 9.58B | 24.80 | 13.85 | 25.48% | 18.04% | 8.51% | 0.88 | |
 WTFC | 10.39B | 154.11 | 13.33 | 6.66% | 19.48% | 11.71% | 0.62 | |
 IBCP | 706.3M | 34.31 | 10.49 | -0.3% | 22.12% | 14.2% | 0.23 | |
 FBNC | 2.52B | 60.76 | 22.67 | 2.32% | 20.45% | 7.03% | 0.05 | |
 UBSI | 6.2B | 44.42 | 13.58 | 12.33% | 25.52% | 8.6% | 0.17 | |
 HBAN | 26.69B | 16.86 | 12.13 | 4.38% | 17.71% | 10.04% | 0.76 | |
 FHN | 12.31B | 24.81 | 13.20 | 0.97% | 19.99% | 10.71% | 0.50 | |
 BOKF | 7.92B | 130.33 | 14.20 | -1.07% | 17.38% | 9.79% | 0.78 |
Compare FFBC vs Peers
First Financial Bancorp. (FFBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FFBC Income Statement
First Financial Bancorp. (FFBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 283.55M | 449.24M | 484.25M | 456.51M | 452.12M | 519.14M | 627.77M | 612.01M | 642.05M |
NII Growth % | 3.99% | 58.44% | 7.8% | -5.73% | -0.96% | 14.82% | 20.92% | -2.51% | 4.91% |
Net Interest Margin % | 3.19% | 3.21% | 3.34% | 2.86% | 2.77% | 3.05% | 3.58% | 3.3% | 3.04% |
Interest Income | 333.07M | 540.38M | 607.58M | 524.96M | 483.22M | 585.01M | 903M | 1B | 1B |
Interest Expense | 49.53M | 91.15M | 123.32M | 68.45M | 31.1M | 65.86M | 275.23M | 390.08M | 359.86M |
Loan Loss Provision | 3.58M | 14.86M | 30.43M | 70.56M | -18.12M | 11.71M | 43.11M | 47.66M | 37.67M |
Non-Interest Income | 76.14M | 103.38M | 131.37M | 189.12M | 171.51M | 189.64M | 212.42M | 223.57M | 257.44M |
Non-Interest Income % | 18.61% | 16.06% | 17.78% | 26.48% | 26.2% | 24.48% | 19.04% | 18.24% | 20.44% |
Total Revenue | 409.21M▲ 0% | 643.76M▲ 57.3% | 738.95M▲ 14.8% | 714.09M▼ 3.4% | 654.72M▼ 8.3% | 774.65M▲ 18.3% | 1.12B▲ 44.0% | 1.23B▲ 9.9% | 1.26B▲ 2.7% |
Revenue Growth % | 8.96% | 57.32% | 14.79% | -3.36% | -8.31% | 18.32% | 43.99% | 9.88% | 2.75% |
Non-Interest Expense | 239.94M | 323.54M | 342.33M | 390.66M | 400.81M | 455.35M | 478.49M | 519.6M | 540.55M |
Efficiency Ratio | 58.63% | 50.26% | 46.33% | 54.71% | 61.22% | 58.78% | 42.9% | 42.39% | 42.92% |
Operating Income | 116.16M▲ 0% | 214.22M▲ 84.4% | 242.86M▲ 13.4% | 184.41M▼ 24.1% | 240.93M▲ 30.7% | 241.72M▲ 0.3% | 318.6M▲ 31.8% | 268.32M▼ 15.8% | 321.27M▲ 19.7% |
Operating Margin % | 28.39% | 33.28% | 32.87% | 25.82% | 36.8% | 31.2% | 28.56% | 21.89% | 25.51% |
Operating Income Growth % | -11.14% | 84.41% | 13.37% | -24.07% | 30.65% | 0.33% | 31.8% | -15.78% | 19.73% |
Pretax Income | 116.16M▲ 0% | 214.22M▲ 84.4% | 242.86M▲ 13.4% | 184.41M▼ 24.1% | 240.93M▲ 30.7% | 241.72M▲ 0.3% | 318.6M▲ 31.8% | 268.32M▼ 15.8% | 321.27M▲ 19.7% |
Pretax Margin % | 28.39% | 33.28% | 32.87% | 25.82% | 36.8% | 31.2% | 28.56% | 21.89% | 25.51% |
Income Tax | 19.38M | 41.63M | 44.79M | 28.6M | 35.77M | 24.11M | 62.73M | 39.49M | 65.67M |
Effective Tax Rate % | 16.68% | 19.43% | 18.44% | 15.51% | 14.85% | 9.97% | 19.69% | 14.72% | 20.44% |
Net Income | 96.79M▲ 0% | 172.59M▲ 78.3% | 198.07M▲ 14.8% | 155.81M▼ 21.3% | 205.16M▲ 31.7% | 217.61M▲ 6.1% | 255.86M▲ 17.6% | 228.83M▼ 10.6% | 255.6M▲ 11.7% |
Net Margin % | 23.65% | 26.81% | 26.8% | 21.82% | 31.34% | 28.09% | 22.94% | 18.67% | 20.3% |
Net Income Growth % | 9.33% | 78.32% | 14.76% | -21.34% | 31.67% | 6.07% | 17.58% | -10.57% | 11.7% |
Net Income (Continuing) | 96.79M | 172.59M | 198.07M | 155.81M | 205.16M | 217.61M | 255.86M | 228.83M | 255.6M |
EPS (Diluted) | 1.56▲ 0% | 1.93▲ 23.7% | 2.00▲ 3.6% | 1.59▼ 20.5% | 2.14▲ 34.6% | 2.30▲ 7.5% | 2.69▲ 17.0% | 2.40▼ 10.8% | 2.66▲ 10.8% |
EPS Growth % | 9.09% | 23.72% | 3.63% | -20.5% | 34.59% | 7.48% | 16.96% | -10.78% | 10.83% |
EPS (Basic) | 1.57 | 1.95 | 2.01 | 1.60 | 2.16 | 2.33 | 2.72 | 2.42 | 2.69 |
Diluted Shares Outstanding | 62.17M | 89.61M | 98.85M | 98.09M | 95.9M | 94.59M | 95.1M | 95.41M | 95.75M |
FFBC Balance Sheet
First Financial Bancorp. (FFBC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 1.53B | 3.05B | 3.11B | 3.68B | 4.64B | 4.01B | 4.03B | 3.36B | 4.15B |
Cash & Due from Banks | 184.62M | 273.96M | 257.64M | 251.36M | 434.84M | 595.68M | 1.01B | 904.49M | 178.55M |
Short Term Investments | 1.35B | 2.78B | 2.85B | 3.42B | 4.21B | 3.41B | 3.02B | 2.46B | 3.97B |
Total Investments | 7.94B | 12B | 12.19B | 13.38B | 13.49B | 13.58B | 13.57B | 14.41B | 17.4B |
Investments Growth % | 6.21% | 51.21% | 1.55% | 9.79% | 0.77% | 0.69% | -0.06% | 6.18% | 20.73% |
Long-Term Investments | 6.59B | 9.22B | 9.34B | 9.96B | 9.28B | 10.17B | 10.55B | 11.95B | 13.42B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 207.87M | 921.06M | 1.01B | 1B | 1.11B | 1.1B | 1.09B | 1.09B | 1.22B |
Goodwill | 204.08M | 880.25M | 937.77M | 937.77M | 1B | 1B | 1.01B | 1.01B | 1.1B |
Intangible Assets | 3.79M | 40.8M | 76.2M | 64.55M | 104.37M | 93.92M | 83.95M | 79.29M | 118.83M |
PP&E (Net) | 125.04M | 215.65M | 214.51M | 207.21M | 253.85M | 280.82M | 347.95M | 407.08M | 204.76M |
Other Assets | 352.17M | 479.71M | 747.85M | 1.06B | 940.31M | 1.22B | 1.06B | 1.18B | 1.53B |
Total Current Assets | 1.62B | 3.15B | 3.2B | 3.75B | 4.75B | 4.24B | 4.49B | 3.95B | 4.75B |
Total Non-Current Assets | 7.27B | 10.84B | 11.31B | 12.22B | 11.58B | 12.77B | 13.04B | 14.62B | 16.38B |
Total Assets | 8.9B▲ 0% | 13.99B▲ 57.2% | 14.51B▲ 3.8% | 15.97B▲ 10.1% | 16.33B▲ 2.2% | 17B▲ 4.1% | 17.53B▲ 3.1% | 18.57B▲ 5.9% | 21.13B▲ 13.8% |
Asset Growth % | 5.44% | 57.21% | 3.75% | 10.07% | 2.23% | 4.13% | 3.11% | 5.92% | 13.78% |
Return on Assets (ROA) | 1.12% | 1.51% | 1.39% | 1.02% | 1.27% | 1.31% | 1.48% | 1.27% | 1.29% |
Accounts Payable | 136.99M | 156.59M | 323.13M | 516.26M | 492.21M | 626.94M | 0 | 0 | 0 |
Total Debt | 934.22M | 1.61B | 1.73B | 507.81M | 706.03M | 1.63B | 1.28B | 1.1B | 1.19B |
Net Debt | 749.6M | 1.34B | 1.47B | 256.45M | 271.19M | 1.04B | 275.91M | 198.47M | 1.01B |
Long-Term Debt | 119.65M | 570.74M | 413.16M | 339.36M | 385.02M | 344.97M | 342.5M | 345.99M | 514.05M |
Short-Term Debt | 814.57M | 1.04B | 1.32B | 166.59M | 319.23M | 1.29B | 937.81M | 755.45M | 675M |
Other Liabilities | 0 | 0 | 0 | 434.98M | 0 | 0 | 622.2M | 700.12M | 749.27M |
Total Current Liabilities | 7.85B | 11.34B | 11.85B | 12.91B | 13.68B | 14.62B | 14.3B | 15.08B | 17.1B |
Total Non-Current Liabilities | 119.65M | 570.74M | 414.38M | 776.2M | 386.8M | 346.67M | 966.32M | 1.05B | 1.26B |
Total Liabilities | 7.97B | 11.91B | 12.26B | 13.69B | 14.07B | 14.96B | 15.26B | 16.13B | 18.36B |
Total Equity | 930.66M▲ 0% | 2.08B▲ 123.3% | 2.25B▲ 8.2% | 2.28B▲ 1.5% | 2.26B▼ 1.0% | 2.04B▼ 9.6% | 2.27B▲ 11.1% | 2.44B▲ 7.5% | 2.77B▲ 13.6% |
Equity Growth % | 7.56% | 123.31% | 8.15% | 1.53% | -1.01% | -9.63% | 11.1% | 7.5% | 13.58% |
Equity / Assets (Capital Ratio) | 10.46% | 14.86% | 15.49% | 14.29% | 13.83% | 12.01% | 12.94% | 13.13% | 13.11% |
Return on Equity (ROE) | 10.78% | 11.47% | 9.16% | 6.88% | 9.04% | 10.12% | 11.87% | 9.72% | 9.82% |
Book Value per Share | 14.97 | 23.19 | 22.74 | 23.26 | 23.56 | 21.58 | 23.85 | 25.55 | 28.92 |
Tangible BV per Share | 11.63 | 12.91 | 12.48 | 13.05 | 12.03 | 10.00 | 12.39 | 14.16 | 16.20 |
Common Stock | 573.11M | 1.63B | 1.64B | 1.64B | 1.64B | 1.63B | 1.64B | 1.64B | 1.65B |
Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 491.85M | 600.01M | 711.25M | 720.43M | 837.47M | 968.24M | 1.14B | 1.28B | 1.44B |
Accumulated OCI | -20.39M | -44.41M | 13.32M | 48.66M | -433K | -358.66M | -309.82M | -289.8M | -189.94M |
Treasury Stock | -113.9M | -110.61M | -117.64M | -125.97M | -218.46M | -202.81M | -197.9M | -190.54M | -125.75M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FFBC Cash Flow Statement
First Financial Bancorp. (FFBC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 123.52M | 260.35M | 186.33M | 108.36M | 388.16M | 200.85M | 486.97M | 262.16M | 337.86M |
Operating CF Growth % | -13.38% | 110.77% | -28.43% | -41.84% | 258.2% | -48.26% | 142.46% | -46.17% | 28.88% |
Net Income | 96.79M | 172.59M | 198.07M | 155.81M | 205.16M | 217.61M | 255.86M | 228.83M | 255.6M |
Depreciation & Amortization | 12.64M | 24.17M | 28.14M | 41.23M | 39.56M | 38.81M | 37.8M | 38.42M | 39.82M |
Deferred Taxes | -4.49M | 6.27M | 12.59M | -8.38M | 12.09M | -3.5M | 13.37M | 21.2M | 18.91M |
Other Non-Cash Items | 12.44M | 30.19M | 33.58M | 41.84M | 3.15M | 9.13M | 37.37M | 62.75M | 47.52M |
Working Capital Changes | 696K | 20.9M | -94.02M | -129.82M | 118.56M | -74.58M | 127.68M | -104.74M | -39.58M |
Cash from Investing | -429.45M | -204.78M | -252.42M | -1.2B | -510.03M | -883.11M | -701.26M | -1B | -546.72M |
Purchase of Investments | -748.89M | -897.53M | -846.86M | -1.61B | -2.43B | -682.48M | -113.04M | -1.03B | -1.87B |
Sale/Maturity of Investments | 536.55M | 715.82M | 1.09B | 1.1B | 1.59B | 996.03M | 566.62M | 904.89M | 1.5B |
Net Investment Activity | -212.33M | -181.71M | 247.37M | -512.53M | -839.02M | 313.56M | 453.58M | -124.69M | -370.52M |
Acquisitions | 0 | 23.7M | -51.55M | 0 | -109.02M | 0 | -3.54M | -96.89M | -187.19M |
Other Investing | -210.58M | -28.54M | -427.31M | -674.35M | 453.35M | -1.18B | -1.13B | -757.38M | 31.74M |
Cash from Financing | 334.98M | 30.01M | 30.57M | 1.13B | 110.85M | 669.73M | 219.85M | 699.08M | 213.16M |
Dividends Paid | -41.18M | -79.66M | -89.1M | -89.69M | -87.32M | -86.61M | -87.16M | -89.54M | -94.65M |
Share Repurchases | 0 | 0 | -66.22M | -16.69M | -108.08M | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | 0 | -66.22M | -16.69M | -108.08M | 0 | 0 | 0 | 0 |
Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K |
Other Financing | 369.6M | -18.41M | 70.04M | 2.02B | 639.95M | -170.78M | 659.62M | 968.34M | 297.84M |
Net Change in Cash | 29.05M▲ 0% | 85.57M▲ 194.5% | -35.53M▼ 141.5% | 30.36M▲ 185.5% | -11.02M▼ 136.3% | -12.53M▼ 13.7% | 5.56M▲ 144.4% | -38.8M▼ 798.1% | 4.29M▲ 111.1% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 121.6M | 150.65M | 236.22M | 200.69M | 231.05M | 220.03M | 207.5M | 213.06M | 174.26M |
Cash at End | 150.65M | 236.22M | 200.69M | 231.05M | 220.03M | 207.5M | 213.06M | 174.26M | 178.55M |
Interest Paid | 49.47M | 84.13M | 121.78M | 75.88M | 32.84M | 59.51M | 234.93M | 398.13M | 364.96M |
Income Taxes Paid | 38.33M | 16M | 27.5M | 32.58M | 17.69M | 5.7M | 10.08M | 27.52M | 9.21M |
Free Cash Flow | 116.99M▲ 0% | 242.12M▲ 107.0% | 165.4M▼ 31.7% | 91.9M▼ 44.4% | 372.82M▲ 305.7% | 187.07M▼ 49.8% | 462.83M▲ 147.4% | 241.08M▼ 47.9% | 317.1M▲ 31.5% |
FCF Growth % | -11.96% | 106.96% | -31.69% | -44.44% | 305.7% | -49.82% | 147.41% | -47.91% | 31.53% |
FFBC Banking Ratios
First Financial Bancorp. (FFBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 10.57% | 10.78% | 11.47% | 9.16% | 6.88% | 9.04% | 10.12% | 11.87% | 9.72% | 9.82% |
Return on Assets (ROA) | 1.07% | 1.12% | 1.51% | 1.39% | 1.02% | 1.27% | 1.31% | 1.48% | 1.27% | 1.29% |
Net Interest Margin | 3.23% | 3.19% | 3.21% | 3.34% | 2.86% | 2.77% | 3.05% | 3.58% | 3.3% | 3.04% |
Efficiency Ratio | 53.63% | 58.63% | 50.26% | 46.33% | 54.71% | 61.22% | 58.78% | 42.9% | 42.39% | 42.92% |
Equity / Assets | 10.25% | 10.46% | 14.86% | 15.49% | 14.29% | 13.83% | 12.01% | 12.94% | 13.13% | 13.11% |
Book Value / Share | 13.96 | 14.97 | 23.19 | 22.74 | 23.26 | 23.56 | 21.58 | 23.85 | 25.55 | 28.92 |
NII Growth | 10.62% | 3.99% | 58.44% | 7.8% | -5.73% | -0.96% | 14.82% | 20.92% | -2.51% | 4.91% |
Dividend Payout | 44.2% | 42.55% | 46.15% | 44.98% | 57.56% | 42.56% | 39.8% | 34.06% | 39.13% | 37.03% |
Related:FFBC Dividend History·FFBC Revenue History·FFBC Price History·FFBC P/E History·FFBC Financial Ratios·FFBC Institutional Holders
FFBC SEC Filings & Documents
First Financial Bancorp. (FFBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
FFBC Frequently Asked Questions
First Financial Bancorp. (FFBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
First Financial Bancorp. (FFBC) grew revenue by 2.7% over the past year. Growth has been modest.
Yes, First Financial Bancorp. (FFBC) is profitable, generating $255.6M in net income for fiscal year 2025 (20.3% net margin).
Dividend & Returns
Yes, First Financial Bancorp. (FFBC) pays a dividend with a yield of 3.13%. This makes it attractive for income-focused investors.
First Financial Bancorp. (FFBC) has a return on equity (ROE) of 9.8%. This is below average, suggesting room for improvement.
Industry Metrics
First Financial Bancorp. (FFBC) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.
First Financial Bancorp. (FFBC) has an efficiency ratio of 42.9%. This is excellent, indicating strong cost control.