First Financial Bancorp /Oh/
FFBC Nasdaq· National Commercial Banks
Last close · Oct 27, 2026
$32.54
KIRA · Stoqly’s AI analyst, in plain words
- First Financial Bancorp /Oh/ had $899M of revenue in fiscal 2025, up 7.6% on the year before. Over five years, revenue changed +6.9% a year on average.
- First Financial Bancorp /Oh/ made $256M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.1% a year.
- First Financial Bancorp /Oh/ returned $94.6M to shareholders in fiscal 2025, 30% of free cash flow. The diluted share count rose 0.8%.
- It earned 9.8% on shareholders’ money. Running costs took 60.1% of revenue (the efficiency ratio; lower is better).
Market cap
$3.4B
P/E
11.5x
Revenue
$899M
Net income
$256M
Return on equity
9.8%
Efficiency ratio
60.1%
First Financial Bancorp /Oh/ in 30 seconds · fiscal 2025
Are sales growing?
+7.6%
Yes. Sales grew 7.6% last year.
Does it make a profit?
28.4%
Yes. It keeps 28.4% of every sale as profit.
How lean are its costs?
60.1%
Average. Running costs take 60.1% of revenue.
How much does it earn on its capital?
9.8%
Fair. It earns 9.8% a year on shareholders’ money.
How is the share priced?
11.5x
One share costs 11.5 times its yearly profit per share.
What First Financial Bancorp /Oh/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 19, 2026
- Legal name
- FIRST FINANCIAL BANCORP /OH/
- CIK
- 0000708955
First Financial Bancorp /Oh/ · FFBC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $624M | $709M | $840M | $836M | $899M |
| Revenue growth | −3.4% | 13.7% | 18.5% | −0.5% | 7.6% |
| Net interest income | $452M | $519M | $628M | $612M | $642M |
| Net income | $205M | $218M | $256M | $229M | $256M |
| Net margin | 32.9% | 30.7% | 30.5% | 27.4% | 28.4% |
| Diluted EPS | $2.14 | $2.30 | $2.69 | $2.40 | $2.66 |
| Cash | |||||
| Cash from operations | $388M | $201M | $487M | $262M | $338M |
| Capital expenditure | $15.3M | $13.8M | $24.1M | $21.1M | $20.8M |
| Free cash flow | $373M | $187M | $463M | $241M | $317M |
| FCF margin | 59.8% | 26.4% | 55.1% | 28.9% | 35.3% |
| Dividends paid | $87.3M | $86.6M | $87.2M | $89.5M | $94.6M |
| Share buybacks | $108M | $0.0M | $0.0M | — | — |
| Share count change | −2.2% | −1.4% | 0.5% | 0.3% | 0.8% |
| Debt and strength | |||||
| Cash and short-term investments | $220M | $208M | $213M | $174M | $179M |
| Debt incl. finance leases | $708M | $1.6B | $1.3B | $1.1B | $1.2B |
| Loans, net | $9.2B | $10.2B | $10.8B | $11.6B | $13.2B |
| Deposits | $12.9B | $12.7B | $13.4B | $14.3B | $16.4B |
| Shareholders' equity | $2.3B | $2.0B | $2.3B | $2.4B | $2.8B |
| Returns and quality | |||||
| Return on equity | 9.0% | 10.1% | 11.9% | 9.7% | 9.8% |
| Return on tangible equity | 16.3% | 20.9% | 21.7% | 16.9% | 16.5% |
| Efficiency ratio | 64.3% | 64.2% | 57.0% | 62.2% | 60.1% |
| Piotroski F-score | 6 | 5 | 6 | 4 | 4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$3.5M
10 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
First Financial Bancorp /Oh/ · FFBC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $32.54 a share, the company is worth $3.4B: 11.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000708955). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.