What is First Financial Bancorp's earnings per share (EPS)?

First Financial Bancorp (FFBC) reported diluted earnings per share of $2.66 for fiscal year 2025. This represents a 10.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Financial Bancorp Financials

FFBC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows First Financial Bancorp (FFBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 66/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

First Financial Bancorp's revenue grew a modest -0.0% year-over-year to $1.0B. This slow but positive growth earns a score of 33/100.

Leverage

First Financial Bancorp carries a low D/E ratio of 0.19, meaning only $0.19 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 98/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

First Financial Bancorp converts 31.6% of revenue into free cash flow ($317.1M). This strong cash generation earns a score of 100/100.

Returns

First Financial Bancorp's ROE of 9.2% shows moderate profitability relative to equity, earning a score of 32/100. This is down from 9.4% the prior year.

Piotroski F-Score Weak

3/9

First Financial Bancorp passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.32x

For every $1 of reported earnings, First Financial Bancorp generates $1.32 in operating cash flow ($337.9M OCF vs $255.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.0B

YoY-0.0%

5Y CAGR+13.8%

10Y CAGR+14.0%

First Financial Bancorp generated $1.0B in revenue in fiscal year 2025. This represents a decrease of 0.0% from the prior year.

EBITDA

N/A

Net Income

$255.6M

YoY+11.7%

5Y CAGR+10.4%

10Y CAGR+13.0%

First Financial Bancorp reported $255.6M in net income in fiscal year 2025. This represents an increase of 11.7% from the prior year.

EPS (Diluted)

$2.66

YoY+10.8%

5Y CAGR+10.8%

10Y CAGR+8.2%

First Financial Bancorp earned $2.66 per diluted share (EPS) in fiscal year 2025. This represents an increase of 10.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$317.1M

YoY+31.5%

5Y CAGR+28.1%

10Y CAGR+14.2%

First Financial Bancorp generated $317.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 31.5% from the prior year.

Cash & Debt

$178.6M

YoY+2.5%

5Y CAGR-5.0%

First Financial Bancorp held $178.6M in cash against $514.1M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.98

YoY+4.3%

5Y CAGR+1.3%

10Y CAGR+4.4%

First Financial Bancorp paid $0.98 per share in dividends in fiscal year 2025. This represents an increase of 4.3% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

25.5%

YoY+2.7pp

5Y CAGR-4.2pp

10Y CAGR-2.3pp

First Financial Bancorp's net profit margin was 25.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.7 percentage points from the prior year.

Return on Equity

9.2%

YoY-0.2pp

5Y CAGR+2.4pp

10Y CAGR-0.0pp

First Financial Bancorp's ROE was 9.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$20.8M

YoY-1.5%

5Y CAGR+4.7%

10Y CAGR+10.8%

First Financial Bancorp invested $20.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 1.5% from the prior year.

FFBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.0B0.0%	$1.0B+11.0%	$903.0M+54.4%	$585.0M+21.1%	$483.2M-8.0%	$525.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$359.9M-7.7%	$390.1M+41.7%	$275.2M+317.9%	$65.9M+111.8%	$31.1M-54.6%	$68.5M
Income Tax	$65.7M+66.3%	$39.5M-37.0%	$62.7M+160.2%	$24.1M-32.6%	$35.8M+25.1%	$28.6M
Net Income	$255.6M+11.7%	$228.8M-10.6%	$255.9M+17.6%	$217.6M+6.1%	$205.2M+31.7%	$155.8M
EPS (Diluted)	$2.66+10.8%	$2.40-10.8%	$2.69+17.0%	$2.30+7.5%	$2.14+34.6%	$1.59

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$265.3M+6.0%	$250.3M+1.8%	$245.9M+2.3%	$240.4M-4.4%	$251.6M-2.2%	$257.1M+1.7%	$252.7M+5.0%	$240.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$91.3M+1.7%	$89.8M+2.4%	$87.6M-3.8%	$91.1M-6.2%	$97.2M-4.3%	$101.6M+2.2%	$99.4M+8.1%	$91.9M
Income Tax	$16.7M-10.7%	$18.8M+5.0%	$17.9M+45.1%	$12.3M+506.7%	$2.0M-83.7%	$12.4M-11.2%	$14.0M+26.6%	$11.0M
Net Income	$62.4M-13.3%	$71.9M+2.8%	$70.0M+36.5%	$51.3M-20.9%	$64.9M+23.7%	$52.5M-13.7%	$60.8M+20.0%	$50.7M
EPS (Diluted)	N/A	$0.75+2.7%	$0.73+35.2%	$0.54	N/A	$0.55-14.1%	$0.64+20.8%	$0.53

FFBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$21.1B+13.8%	$18.6B+5.9%	$17.5B+3.1%	$17.0B+4.1%	$16.3B+2.2%	$16.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$178.6M+2.5%	$174.3M-18.2%	$213.1M+2.7%	$207.5M-5.7%	$220.0M-4.8%	$231.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.1B+9.1%	$1.0B+0.2%	$1.0B+0.4%	$1.0B+0.1%	$1.0B+6.7%	$937.8M
Total Liabilities	$18.4B+13.8%	$16.1B+5.7%	$15.3B+2.0%	$15.0B+6.3%	$14.1B+2.8%	$13.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$514.1M+47.9%	$347.5M+1.0%	$344.1M-0.7%	$346.7M-15.4%	$409.8M-47.2%	$776.2M
Total Equity	$2.8B+13.6%	$2.4B+7.5%	$2.3B+11.1%	$2.0B-9.6%	$2.3B-1.0%	$2.3B
Retained Earnings	$1.4B+12.6%	$1.3B+12.3%	$1.1B+17.4%	$968.2M+15.6%	$837.5M+16.2%	$720.4M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$21.1B+13.9%	$18.6B-0.4%	$18.6B+1.0%	$18.5B-0.6%	$18.6B+2.3%	$18.1B-0.1%	$18.2B+3.2%	$17.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$178.6M+2.2%	$174.7M-16.9%	$210.2M+10.3%	$190.6M+9.4%	$174.3M-8.6%	$190.6M-1.6%	$193.8M-2.8%	$199.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.1B+9.1%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B
Total Liabilities	$18.4B+15.3%	$15.9B-1.0%	$16.1B+0.8%	$16.0B-1.1%	$16.1B+2.8%	$15.7B-0.9%	$15.8B+3.4%	$15.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$514.1M+131.7%	$221.8M-35.7%	$345.0M-0.3%	$345.9M-0.5%	$347.5M+1.0%	$344.1M+1.6%	$338.6M-1.4%	$343.2M
Total Equity	$2.8B+5.2%	$2.6B+2.9%	$2.6B+2.3%	$2.5B+2.6%	$2.4B-0.5%	$2.5B+5.3%	$2.3B+1.7%	$2.3B
Retained Earnings	$1.4B+2.7%	$1.4B+3.5%	$1.4B+3.6%	$1.3B+2.2%	$1.3B+3.4%	$1.2B+2.5%	$1.2B+3.3%	$1.2B

FFBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$337.9M+28.9%	$262.2M-46.2%	$487.0M+142.5%	$200.8M-48.3%	$388.2M+258.2%	$108.4M
Capital Expenditures	$20.8M-1.5%	$21.1M-12.7%	$24.1M+75.2%	$13.8M-10.1%	$15.3M-6.9%	$16.5M
Free Cash Flow	$317.1M+31.5%	$241.1M-47.9%	$462.8M+147.4%	$187.1M-49.8%	$372.8M+305.7%	$91.9M
Investing Cash Flow	-$546.7M+45.3%	-$1.0B-42.6%	-$701.3M+20.6%	-$883.1M-73.1%	-$510.0M+57.6%	-$1.2B
Financing Cash Flow	$213.2M-69.5%	$699.1M+218.0%	$219.9M-67.2%	$669.7M+504.2%	$110.8M-90.1%	$1.1B
Dividends Paid	$94.6M+5.7%	$89.5M+2.7%	$87.2M+0.6%	$86.6M-0.8%	$87.3M-2.6%	$89.7M
Share Buybacks	N/A	N/A	$0	$0-100.0%	$108.1M+547.7%	$16.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$122.2M+36.0%	$89.8M+28.7%	$69.8M+24.4%	$56.1M-24.2%	$74.1M-15.9%	$88.1M+29.5%	$68.1M+113.1%	$31.9M
Capital Expenditures	$8.0M+99.1%	$4.0M-18.5%	$4.9M+31.9%	$3.8M-46.4%	$7.0M+90.8%	$3.7M+11.6%	$3.3M-53.9%	$7.1M
Free Cash Flow	$114.1M+33.0%	$85.8M+32.3%	$64.8M+23.8%	$52.4M-21.9%	$67.1M-20.6%	$84.4M+30.4%	$64.8M+161.1%	$24.8M
Investing Cash Flow	-$583.6M-1322.7%	$47.7M+157.2%	-$83.5M-215.0%	$72.6M+118.3%	-$396.2M-5232.5%	$7.7M+101.4%	-$568.2M-1211.4%	-$43.3M
Financing Cash Flow	$465.3M+368.9%	-$173.1M-620.2%	$33.3M+129.6%	-$112.4M-136.8%	$305.8M+408.8%	-$99.0M-120.0%	$494.6M+22051.9%	-$2.3M
Dividends Paid	$24.4M+3.0%	$23.7M+0.5%	$23.6M+2.5%	$23.0M+1.5%	$22.7M0.0%	$22.7M+1.4%	$22.4M+2.2%	$21.9M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

FFBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	25.5%+2.7pp	22.8%-5.5pp	28.3%-8.9pp	37.2%-5.3pp	42.5%+12.8pp	29.7%
Return on Equity	9.2%-0.2pp	9.4%-1.9pp	11.3%+0.6pp	10.7%+1.6pp	9.1%+2.3pp	6.8%
Return on Assets	1.2%-0.0pp	1.2%-0.2pp	1.5%+0.2pp	1.3%+0.0pp	1.3%+0.3pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.19+0.0	0.140.0	0.15-0.0	0.17-0.0	0.18-0.2	0.34
FCF Margin	31.6%+7.6pp	24.1%-27.2pp	51.2%+19.3pp	32.0%-45.2pp	77.1%+59.6pp	17.5%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.5%-5.2pp	28.7%+0.3pp	28.5%+7.1pp	21.3%-4.5pp	25.8%+5.4pp	20.4%-3.7pp	24.1%+3.0pp	21.1%
Return on Equity	2.3%-0.5pp	2.7%0.0pp	2.7%+0.7pp	2.1%-0.6pp	2.7%+0.5pp	2.1%-0.5pp	2.6%+0.4pp	2.2%
Return on Assets	0.3%-0.1pp	0.4%0.0pp	0.4%+0.1pp	0.3%-0.1pp	0.4%+0.1pp	0.3%-0.0pp	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.19+0.1	0.08-0.1	0.130.0	0.140.0	0.140.0	0.140.0	0.150.0	0.15
FCF Margin	43.0%+8.7pp	34.3%+7.9pp	26.4%+4.6pp	21.8%-4.9pp	26.7%-6.2pp	32.8%+7.2pp	25.6%+15.3pp	10.3%

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Frequently Asked Questions

What is First Financial Bancorp's annual revenue?

First Financial Bancorp (FFBC) reported $1.0B in total revenue for fiscal year 2025. This represents a -0.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Financial Bancorp's revenue growing?

First Financial Bancorp (FFBC) revenue grew by 0% year-over-year, from $1.0B to $1.0B in fiscal year 2025.

Is First Financial Bancorp profitable?

Yes, First Financial Bancorp (FFBC) reported a net income of $255.6M in fiscal year 2025, with a net profit margin of 25.5%.

How much debt does First Financial Bancorp have?

As of fiscal year 2025, First Financial Bancorp (FFBC) had $178.6M in cash and equivalents against $514.1M in long-term debt.

What is First Financial Bancorp's net profit margin?

First Financial Bancorp (FFBC) had a net profit margin of 25.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Financial Bancorp pay dividends?

Yes, First Financial Bancorp (FFBC) paid $0.98 per share in dividends during fiscal year 2025.

What is First Financial Bancorp's return on equity (ROE)?

First Financial Bancorp (FFBC) has a return on equity of 9.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Financial Bancorp's free cash flow?

First Financial Bancorp (FFBC) generated $317.1M in free cash flow during fiscal year 2025. This represents a 31.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Financial Bancorp's operating cash flow?

First Financial Bancorp (FFBC) generated $337.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First Financial Bancorp's total assets?

First Financial Bancorp (FFBC) had $21.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First Financial Bancorp's capital expenditures?

First Financial Bancorp (FFBC) invested $20.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is First Financial Bancorp's debt-to-equity ratio?

First Financial Bancorp (FFBC) had a debt-to-equity ratio of 0.19 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Financial Bancorp's return on assets (ROA)?

First Financial Bancorp (FFBC) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Financial Bancorp's Piotroski F-Score?

First Financial Bancorp (FFBC) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Financial Bancorp's earnings high quality?

First Financial Bancorp (FFBC) has an earnings quality ratio of 1.32x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Financial Bancorp?

First Financial Bancorp (FFBC) scores 66 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.