FFBC Stock - First Financial Bancorp.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $1.23B | $1.12B | $774.65M | $654.72M | $714.09M |
| Gross Profit | $787.92M | $797.09M | $697.07M | $641.75M | $575.08M |
| Gross Margin | 64.3% | 71.5% | 90.0% | 98.0% | 80.5% |
| Operating Income | $268.32M | $318.60M | $241.72M | $240.93M | $184.41M |
| Net Income | $228.83M | $255.86M | $217.61M | $205.16M | $155.81M |
| Net Margin | 18.7% | 22.9% | 28.1% | 31.3% | 21.8% |
| EPS | $2.42 | $2.72 | $2.33 | $2.16 | $1.60 |
First 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.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 7th 2025 | Raymond James | Upgrade | Outperform | $30 |
| October 6th 2025 | Hovde Group | Initiation | Outperform | - |
| August 19th 2025 | Hovde Group | Initiation | Outperform | $31 |
| May 13th 2025 | Truist | Initiation | Hold | $27 |
| December 9th 2024 | Stephens | Upgrade | Overweight | - |
| February 23rd 2024 | Piper Sandler | Resumed | Overweight | - |
| July 10th 2023 | Piper Sandler | Upgrade | Overweight | $24← $23 |
Earnings History & Surprises
FFBCEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Jan 22, 2026 | $0.78 | — | — | — |
Q4 2025 | Oct 23, 2025 | $0.75 | $0.76 | +1.3% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $0.69 | $0.74 | +7.2% | ✓ BEAT |
Q2 2025 | Apr 24, 2025 | $0.63 | $0.63 | 0.0% | = MET |
Q1 2025 | Jan 23, 2025 | $0.65 | $0.71 | +9.2% | ✓ BEAT |
Q4 2024 | Oct 24, 2024 | $0.66 | $0.55 | -16.7% | ✗ MISS |
Q3 2024 | Jul 25, 2024 | $0.59 | $0.64 | +8.5% | ✓ BEAT |
Q2 2024 | Apr 25, 2024 | $0.59 | $0.53 | -10.2% | ✗ MISS |
Q1 2024 | Jan 25, 2024 | $0.61 | $0.60 | -1.6% | ✗ MISS |
Q4 2023 | Oct 24, 2023 | $0.67 | $0.69 | +3.0% | ✓ BEAT |
Q3 2023 | Jul 20, 2023 | $0.69 | $0.69 | 0.0% | = MET |
Q2 2023 | Apr 20, 2023 | $0.71 | $0.74 | +4.2% | ✓ BEAT |
Q1 2023 | Jan 26, 2023 | $0.69 | $0.73 | +5.8% | ✓ BEAT |
Q4 2022 | Oct 20, 2022 | $0.60 | $0.59 | -1.7% | ✗ MISS |
Q3 2022 | Jul 21, 2022 | $0.51 | $0.55 | +7.8% | ✓ BEAT |
Q2 2022 | Apr 21, 2022 | $0.45 | $0.46 | +2.2% | ✓ BEAT |
Q1 2022 | Jan 27, 2022 | $0.56 | $0.58 | +3.6% | ✓ BEAT |
Q4 2021 | Oct 21, 2021 | $0.52 | $0.45 | -13.5% | ✗ MISS |
Q3 2021 | Jul 22, 2021 | $0.52 | $0.58 | +11.5% | ✓ BEAT |
Latest News
Reported Earlier, First Financial Bancorp Announces Public Offering Of $300M Subordinated Notes Due 2035 With 6.375% Fixed-To-Floating Interest Rate
➖ NeutralRaymond James Reiterates Outperform on First Financial Bancorp, Lowers Price Target to $28
📈 PositiveFirst Financial Bancor Q3 Adj. EPS $0.76 Beats $0.75 Estimate, Sales $234.011M Beat $229.460M Estimate
📈 PositiveTruist Securities Maintains Hold on First Financial Bancorp, Raises Price Target to $29
📈 PositiveHovde Group Initiates Coverage On First Financial Bancorp with Outperform Rating
📈 PositiveFrequently Asked Questions about FFBC
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