Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.86 | 11.59 | 9.82 | 9.77 | 8.42 | 8.31 | 11.56 | 9.88 | 11.47 | 8.68 | 10.58 | 9.90 | 7.42 | 7.41 | 7.35 | 8.30 | 8.93 | 8.82 | 13.10 | 12.19 | 9.29 |
| — | +39.4% | -15.1% | -1.1% | -26.6% | -4.3% | +9.4% | -0.1% | +54.5% | +17.2% | +43.8% | +19.3% | -16.9% | -16.0% | -43.8% | -31.9% | -3.8% | -22.4% | +4.8% | +36.3% | +29.9% | |
| P/S Ratio | 3.68 | 3.96 | 2.69 | 2.51 | 2.58 | 2.57 | 2.98 | 2.86 | 2.99 | 2.47 | 2.73 | 2.81 | 2.20 | 2.29 | 2.41 | 2.69 | 2.77 | 2.75 | 3.68 | 3.65 | 3.57 |
| — | +54.2% | -9.8% | -12.3% | -13.7% | +3.9% | +9.0% | +1.7% | +36.2% | +7.9% | +13.6% | +4.8% | -20.6% | -16.7% | -34.6% | -26.5% | -22.5% | -24.8% | -3.2% | +53.0% | +96.2% | |
| P/B Ratio | 1.09 | 1.18 | 0.99 | 0.87 | 0.92 | 0.91 | 0.95 | 1.05 | 0.98 | 0.91 | 0.93 | 1.00 | 0.88 | 0.91 | 0.97 | 1.13 | 1.00 | 0.89 | 1.02 | 1.01 | 1.00 |
| — | +30.5% | +4.0% | -17.8% | -6.6% | -0.4% | +2.2% | +5.7% | +12.3% | +0.5% | -4.2% | -11.5% | -12.6% | +2.5% | -4.1% | +11.2% | +0.6% | -12.3% | -2.1% | +34.4% | +90.2% | |
| P/FCF | 10.44 | 42.00 | 1.36 | 5.25 | 6.14 | 8.96 | 11.39 | 9.57 | 7.13 | 8.19 | 21.50 | 11.60 | 5.44 | 4.90 | 3.08 | 36.54 | — | 3.89 | 3.86 | 5.62 | 7.74 |
| — | +369.0% | -88.0% | -45.2% | -14.0% | +9.4% | -47.0% | -17.5% | +31.0% | +67.2% | +597.8% | -68.3% | — | +26.0% | -20.2% | +550.1% | — | -61.9% | -4.9% | +97.1% | -50.8% | |
| EV / EBITDA | 12.59 | 8.59 | 8.59 | 8.79 | 6.36 | 6.75 | 9.54 | 8.38 | 9.35 | 8.19 | 8.64 | 7.33 | 7.29 | 7.89 | 8.20 | 8.83 | 13.59 | 8.96 | 9.70 | 10.24 | 8.29 |
| — | +27.2% | -10.0% | +4.9% | -32.0% | -17.6% | +10.5% | +14.4% | +28.3% | +3.8% | +5.4% | -17.1% | -46.4% | -11.9% | -15.5% | -13.8% | +63.9% | -11.9% | -2.0% | +28.8% | +23.4% | |
| EV / EBIT | 13.45 | 9.81 | 9.82 | 10.76 | 6.88 | 7.32 | 10.64 | 10.33 | 10.46 | 9.05 | 9.67 | 8.88 | 8.00 | 8.62 | 8.90 | 10.50 | 15.83 | 10.07 | 11.25 | 11.71 | 9.29 |
| — | +34.0% | -7.7% | +4.2% | -34.2% | -19.1% | +10.0% | +16.4% | +30.8% | +4.9% | +8.7% | -15.4% | -49.5% | -14.4% | -20.9% | -10.4% | +70.4% | -12.4% | -0.5% | +27.3% | +15.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.4% | 67.7% | 72.2% | 69.3% | 69.5% | 69.0% | 65.8% | 66.8% | 63.0% | 63.1% | 64.1% | 66.8% | 69.4% | 72.8% | 77.4% | 82.9% | 87.1% | 95.3% | 98.9% | 100.4% | 101.7% |
| — | -1.8% | +9.8% | +3.6% | +10.4% | +9.2% | +2.6% | +0.1% | -9.3% | -13.3% | -17.2% | -19.5% | -20.3% | -23.6% | -21.8% | -17.4% | -14.3% | -2.6% | +7.3% | +14.1% | +20.4% | |
| Operating Margin | 25.5% | 30.1% | 25.7% | 24.0% | 28.0% | 28.0% | 21.8% | 20.8% | 21.4% | 23.8% | 21.5% | 25.0% | 27.1% | 29.3% | 33.2% | 32.3% | 23.8% | 36.7% | 32.7% | 33.4% | 41.0% |
| — | +7.4% | +17.7% | +15.2% | +30.7% | +17.6% | +1.5% | -16.8% | -21.1% | -18.7% | -35.3% | -22.6% | +14.0% | -20.2% | +1.7% | -3.2% | -42.0% | -1.8% | -7.8% | +19.1% | +41.8% | |
| Net Margin | 20.3% | 24.3% | 20.4% | 18.9% | 22.2% | 22.3% | 17.6% | 20.2% | 17.3% | 19.4% | 17.6% | 19.9% | 21.8% | 23.7% | 26.7% | 28.1% | 28.2% | 29.3% | 26.6% | 28.7% | 36.7% |
| — | +9.2% | +16.1% | -6.4% | +28.2% | +15.2% | -0.3% | +1.6% | -20.7% | -18.3% | -33.8% | -29.2% | -22.5% | -19.1% | +0.1% | -2.1% | -23.3% | -5.1% | -8.3% | +13.8% | +55.5% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.8% | 2.6% | 2.6% | 2.3% | 2.8% | 2.8% | 2.1% | 2.7% | 2.2% | 2.6% | 2.2% | 2.6% | 3.0% | 3.1% | 3.4% | 3.4% | 2.7% | 2.4% | 1.9% | 2.1% | 2.7% |
| — | -6.8% | +25.6% | -13.0% | +26.2% | +5.0% | -6.7% | +2.9% | -25.6% | -14.4% | -34.2% | -24.6% | +7.6% | +25.7% | +80.0% | +63.9% | +2.9% | +9.0% | -9.8% | -2.1% | +43.5% | |
| ROA | 1.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% |
| — | -10.4% | +22.4% | -11.0% | +33.9% | +11.0% | -4.0% | +7.7% | -21.8% | -11.9% | -30.4% | -20.2% | +9.0% | +20.8% | +62.5% | +41.3% | -9.6% | +1.1% | -13.2% | -4.0% | +43.8% | |
| ROIC | 6.4% | 1.8% | 1.8% | 1.6% | 1.9% | 1.8% | 1.3% | 1.4% | 1.3% | 1.5% | 1.3% | 1.5% | 1.6% | 1.6% | 1.8% | 1.7% | 1.0% | 1.6% | 1.3% | 1.4% | 1.7% |
| — | -0.4% | +35.1% | +14.1% | +48.0% | +19.1% | +0.9% | -8.3% | -20.6% | -7.3% | -26.5% | -7.7% | +59.2% | +2.6% | +33.4% | +15.5% | -40.5% | +1.0% | -14.1% | +2.4% | +32.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.32 | 0.32 | 0.43 | 0.31 | 0.40 | 0.46 | 0.45 | 0.47 | 0.65 | 0.53 | 0.57 | 0.62 | 0.73 | 0.74 | 0.80 | 0.76 | 0.61 | 0.26 | 0.31 | 0.22 |
| — | -20.8% | -30.9% | -5.1% | -34.2% | -38.3% | -13.1% | -20.0% | -23.6% | -10.1% | -28.3% | -29.4% | -18.8% | +19.7% | +178.3% | +156.1% | +238.6% | +75.1% | +20.8% | +40.5% | -28.6% | |
| Debt / EBITDA | 3.46 | 8.83 | 8.70 | 12.27 | 8.33 | 10.81 | 16.15 | 13.37 | 15.93 | 18.38 | 17.44 | 14.82 | 15.29 | 17.55 | 16.39 | 17.30 | 27.66 | 17.29 | 9.61 | 11.31 | 6.69 |
| — | -18.3% | -46.2% | -8.2% | -47.7% | -41.2% | -7.4% | -9.8% | +4.2% | +4.7% | +6.4% | -14.4% | -44.7% | +1.5% | +70.5% | +53.0% | +313.5% | +53.3% | +28.3% | +38.3% | -42.3% | |
| Current Ratio | 0.28 | 0.38 | 0.31 | 0.28 | 0.32 | 0.27 | 0.26 | 0.26 | 0.31 | 0.30 | 0.30 | 0.31 | 0.28 | 0.30 | 0.29 | 0.29 | 0.30 | 0.32 | 0.34 | 0.35 | 0.33 |
| — | +40.8% | +17.8% | +6.1% | +1.7% | -11.0% | -11.9% | -16.6% | +9.9% | +2.5% | +3.9% | +8.3% | -5.0% | -8.9% | -14.5% | -16.5% | -9.9% | +2.2% | +10.8% | +19.6% | +22.3% | |
| Quick Ratio | 0.28 | 0.38 | 0.31 | 0.28 | 0.32 | 0.27 | 0.26 | 0.26 | 0.31 | 0.30 | 0.30 | 0.31 | 0.28 | 0.30 | 0.29 | 0.29 | 0.30 | 0.32 | 0.34 | 0.35 | 0.33 |
| — | +40.8% | +17.8% | +6.1% | +1.7% | -11.0% | -11.9% | -16.6% | +9.9% | +2.5% | +3.9% | +8.3% | -5.0% | -8.9% | -14.5% | -16.5% | -9.9% | +2.2% | +10.8% | +19.6% | +22.3% | |
| Interest Coverage | 0.89 | 1.04 | 1.01 | 0.87 | 1.01 | 1.00 | 0.70 | 0.69 | 0.64 | 0.75 | 0.67 | 0.84 | 1.02 | 1.25 | 1.78 | 2.48 | 2.73 | 7.06 | 6.77 | 7.72 | 9.05 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying FFBC stock.
First Financial Bancorp.'s current P/E is 11.9x. The average P/E over the last 4 quarters is 9.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
First Financial Bancorp.'s current operating margin is 25.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking First Financial Bancorp.'s business trajectory between earnings reports.