First Financial Bancorp Financials
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
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
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 29/100.
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 100/100, indicating a strong balance sheet with room for future borrowing.
First Financial Bancorp converts 31.6% of revenue into free cash flow ($317.1M). This strong cash generation earns a score of 100/100.
First Financial Bancorp's ROE of 9.2% shows moderate profitability relative to equity, earning a score of 37/100. This is down from 9.4% the prior year.
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.
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
First Financial Bancorp generated $1.0B in revenue in fiscal year 2025. This represents a decrease of 0.0% from the prior year.
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.
First Financial Bancorp reported $255.6M in net income in fiscal year 2025. This represents an increase of 11.7% from the prior year.
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.
First Financial Bancorp held $178.6M in cash against $514.1M in long-term debt as of fiscal year 2025.
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.
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.
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.
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 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q4'23 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $265.3M+6.0% | $250.3M+1.8% | $245.9M+2.3% | $240.4M-4.4% | $251.6M+5.5% | $238.4M+2.7% | $232.1M+3.7% | $223.9M |
| 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+14.8% | $84.7M+10.5% | $76.6M+18.5% | $64.7M |
| Income Tax | $16.7M-10.7% | $18.8M+5.0% | $17.9M+45.1% | $12.3M+506.7% | $2.0M-86.2% | $14.7M-4.2% | $15.3M-1.1% | $15.5M |
| Net Income | $62.4M-13.3% | $71.9M+2.8% | $70.0M+36.5% | $51.3M-20.9% | $64.9M+14.4% | $56.7M-10.0% | $63.1M-4.0% | $65.7M |
| EPS (Diluted) | $0.64-14.7% | $0.75+2.7% | $0.73+35.2% | $0.54-20.6% | $0.68+13.3% | $0.60-9.1% | $0.66-4.3% | $0.69 |
FFBC Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q4'23 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $21.1B+13.9% | $18.6B-0.4% | $18.6B+1.0% | $18.5B-0.6% | $18.6B+5.9% | $17.5B+2.8% | $17.1B-0.2% | $17.1B |
| 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-18.2% | $213.1M-3.3% | $220.3M+1.4% | $217.4M |
| 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% | $1.0B+0.2% | $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+5.7% | $15.3B+2.3% | $14.9B-0.1% | $14.9B |
| 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+0.9% | $340.9M+0.3% | $340.0M |
| Total Equity | $2.8B+5.2% | $2.6B+2.9% | $2.6B+2.3% | $2.5B+2.6% | $2.4B+7.5% | $2.3B+6.5% | $2.1B-0.6% | $2.1B |
| Retained Earnings | $1.4B+2.7% | $1.4B+3.5% | $1.4B+3.6% | $1.3B+2.2% | $1.3B+12.3% | $1.1B+3.2% | $1.1B+3.9% | $1.1B |
FFBC Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q4'23 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $122.2M+36.0% | $89.8M+28.7% | $69.8M+24.4% | $56.1M-24.2% | $74.1M-36.2% | $116.2M+26.6% | $91.7M-14.2% | $106.9M |
| Capital Expenditures | $8.0M+99.1% | $4.0M-18.5% | $4.9M+31.9% | $3.8M-46.4% | $7.0M+16.6% | $6.0M-1.6% | $6.1M-19.1% | $7.5M |
| Free Cash Flow | $114.1M+33.0% | $85.8M+32.3% | $64.8M+23.8% | $52.4M-21.9% | $67.1M-39.1% | $110.2M+28.6% | $85.6M-13.8% | $99.3M |
| Investing Cash Flow | -$583.6M-1322.7% | $47.7M+157.2% | -$83.5M-215.0% | $72.6M+118.3% | -$396.2M+22.9% | -$513.7M-1057.3% | $53.7M+129.2% | -$183.8M |
| Financing Cash Flow | $465.3M+368.9% | -$173.1M-620.2% | $33.3M+129.6% | -$112.4M-136.8% | $305.8M-21.6% | $390.2M+374.0% | -$142.4M-250.8% | $94.4M |
| Dividends Paid | $24.4M+3.0% | $23.7M+0.5% | $23.6M+2.5% | $23.0M+1.5% | $22.7M+4.6% | $21.7M-0.6% | $21.8M+0.7% | $21.6M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
FFBC Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q4'23 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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%+2.0pp | 23.8%-3.4pp | 27.2%-2.2pp | 29.3% |
| Return on Equity | 2.3%-0.5pp | 2.7%0.0pp | 2.7%+0.7pp | 2.1%-0.6pp | 2.7%+0.2pp | 2.5%-0.5pp | 3.0%-0.1pp | 3.1% |
| Return on Assets | 0.3%-0.1pp | 0.4%0.0pp | 0.4%+0.1pp | 0.3%-0.1pp | 0.4%+0.0pp | 0.3%-0.1pp | 0.4%0.0pp | 0.4% |
| 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 | 0.150.0 | 0.160.0 | 0.16 |
| FCF Margin | 43.0%+8.7pp | 34.3%+7.9pp | 26.4%+4.6pp | 21.8%-4.9pp | 26.7%-19.5pp | 46.2%+9.3pp | 36.9%-7.5pp | 44.4% |
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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%.
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.
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.