First Financial Bancorp. logo

First Financial Bancorp.

FFBC

NASDAQFinancial ServicesBanks - Regional

Regular session

$33.09

+$0.06 · +0.18%

Aug 24, 2:11 PM ETData delayed

FFBC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

84

Deep Value

Momentum

62

Gaining

Sentiment

69

Bullish

Risk resilience

79

Moderate Risk

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Company profile

Company website

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and 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, and office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment, as well as equipment and leasehold improvement financing for franchisees; consumer loans, such as 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 secured commercial financing services 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, lease and equipment financing services, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Archie Brown
Listed since
Dec 21, 1983
Employees
2,199

Market position

Day range

Current $33.09

52-week range

Current $33.09

Open
$33.10
Previous close
$33.03
Volume
194.98K
0.2× average
Average volume
985.66K
Average daily volume
Market cap
3.47B USD
Beta
0.93
Market reference 1
50-day average
$33.7526
-1.96% below average
200-day average
$29.3252
+12.84% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
3.38B USD
EV / EBITDA
9.86×
Earnings yield
10.77%
Free cash flow yield
13.36%

Profitability & efficiency

Return on equity
9.23%
Return on assets
1.21%
Return on invested capital
5.43%

Financial health

Current ratio
0.28×
Altman Z-score
-0.32
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%74%42%11%Gross margin, FY2021: 98.02%Gross margin, FY2022: 89.99%Gross margin, FY2023: 71.46%Gross margin, FY2024: 64.29%Gross margin, FY2025: 68.43%Operating margin, FY2021: 36.80%Operating margin, FY2022: 31.20%Operating margin, FY2023: 28.56%Operating margin, FY2024: 21.89%Operating margin, FY2025: 25.51%Net margin, FY2021: 31.34%Net margin, FY2022: 28.09%Net margin, FY2023: 22.94%Net margin, FY2024: 18.67%Net margin, FY2025: 20.30%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 98.02%. Gross margin FY2022 89.99%. Gross margin FY2023 71.46%. Gross margin FY2024 64.29%. Gross margin FY2025 68.43%. Operating margin FY2021 36.80%. Operating margin FY2022 31.20%. Operating margin FY2023 28.56%. Operating margin FY2024 21.89%. Operating margin FY2025 25.51%. Net margin FY2021 31.34%. Net margin FY2022 28.09%. Net margin FY2023 22.94%. Net margin FY2024 18.67%. Net margin FY2025 20.30%.

Income trends

Revenue

1.26B USD+2.75%

Operating income

321.27M USD+19.73%

Net income

255.61M USD+11.70%
Income trends across reported periods1.36B USD943.09M USD521.41M USD99.74M USDRevenue, FY2021: 654.72M USDRevenue, FY2022: 774.65M USDRevenue, FY2023: 1.12B USDRevenue, FY2024: 1.23B USDRevenue, FY2025: 1.26B USDOperating income, FY2021: 240.93M USDOperating income, FY2022: 241.72M USDOperating income, FY2023: 318.6M USDOperating income, FY2024: 268.32M USDOperating income, FY2025: 321.27M USDNet income, FY2021: 205.16M USDNet income, FY2022: 217.61M USDNet income, FY2023: 255.86M USDNet income, FY2024: 228.83M USDNet income, FY2025: 255.61M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 654.72M USD. Revenue FY2022 774.65M USD. Revenue FY2023 1.12B USD. Revenue FY2024 1.23B USD. Revenue FY2025 1.26B USD. Operating income FY2021 240.93M USD. Operating income FY2022 241.72M USD. Operating income FY2023 318.6M USD. Operating income FY2024 268.32M USD. Operating income FY2025 321.27M USD. Net income FY2021 205.16M USD. Net income FY2022 217.61M USD. Net income FY2023 255.86M USD. Net income FY2024 228.83M USD. Net income FY2025 255.61M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.26B USD1.23B USD1.12B USD774.65M USD654.72M USD
Cost of goods sold397.53M USD437.74M USD318.34M USD77.58M USD12.98M USD
Gross profit861.82M USD787.92M USD797.09M USD697.07M USD641.75M USD
Selling, general, and administrative374.2M USD368.94M USD346.83M USD305.67M USD259.54M USD
Operating expenses540.55M USD519.6M USD478.49M USD455.35M USD400.81M USD
Interest income1B USD1B USD903M USD585.01M USD483.22M USD
Interest expense359.86M USD390.09M USD275.23M USD65.86M USD31.1M USD
Depreciation and amortization22.09M USD38.42M USD37.8M USD38.81M USD39.56M USD
Operating income321.27M USD268.32M USD318.6M USD241.72M USD240.93M USD
Net income255.61M USD228.83M USD255.86M USD217.61M USD205.16M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
2.66
FY2025 · +10.83% year over year
Latest fiscal-year revenue
1.26B USD
FY2025 · +2.75% year over year

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend2.752.532.312.09FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend1.32B1.08B836.11M594.26MFY21FY22FY23FY24FY25

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

19 ratings
Strong buy00%
Buy632%
Hold1263%
Sell15%
Strong sell00%

Recent analyst actions

6 institutions
Keefe, Bruyette& WoodsmaintainMarket Perform

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.98

2025 complete year+6.5% since 2021

2026 partial: $0.50

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 1, 2026

$0.26

Quarterly

Record Sep 1, 2026 · Payment Sep 15, 2026

Dividend

Ex-dividend Jun 1, 2026

$0.25

Quarterly

Record Jun 1, 2026 · Payment Jun 15, 2026

Dividend

Ex-dividend Mar 2, 2026

$0.25

Quarterly

Record Mar 2, 2026 · Payment Mar 16, 2026

Dividend

Ex-dividend Dec 1, 2025

$0.25

Quarterly

Record Dec 1, 2025 · Payment Dec 15, 2025

Dividend

Ex-dividend Sep 2, 2025

$0.25

Quarterly

Record Sep 2, 2025 · Payment Sep 15, 2025

Dividend

Ex-dividend Jun 2, 2025

$0.24

Quarterly

Record Jun 2, 2025 · Payment Jun 16, 2025

FFBC peers

ETFs holding FFBC

Funds reporting this stock among their holdings, ordered by reported position size.

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