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

FY2025 annual

Revenue $1.0B 0.0% YoY

Net Income $256K +11.7% YoY

EPS (Diluted) $2.66 +10.8% YoY

Free Cash Flow $317.1M +31.5% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

First Financial Bancorp (FFBC) reported $1.0B in revenue for fiscal year 2025. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI FFBC FY2025 2026-08-15

Balance-sheet expansion, rather than sales growth, is the dominant mechanic: assets and liabilities increased while FY2025 revenue stayed flat.

The reported figures show a balance-sheet-led model: FY2025 assets increased 13.8% while revenue was essentially unchanged, so scale came from financial capacity rather than customer growth. Liabilities also rose 13.8% and debt-to-equity reached 0.2x, indicating that expansion relied on additional obligations as well as equity growth.

Cash conversion looks unusually strong on the reported figures: operating cash flow was $338M versus free cash flow of $317M, implying that most operating cash generation remained after capital spending. Free cash flow reached 31.7% of revenue despite flat sales, pointing to banking balance-sheet flows rather than a conventional high-growth revenue engine.

Interest expense fell from $390M in FY2024 to $360M in FY2025 even as revenue was flat, suggesting reduced funding drag helped offset the absence of top-line growth. Yet reported net income was only $256K against $338M of operating cash flow, an unusually wide accounting-to-cash gap that makes earnings quality difficult to interpret from these statements alone.

Financial Health Signals

Financial Health Score 51/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Financial Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

3/6

First Financial Bancorp passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 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

N/A

First Financial Bancorp reported $256K of net income while generating $337.9M in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.0B

YoY0.0%

5Y CAGR+13.8%

10Y CAGR+14.0%

First Financial Bancorp generated $1.0B in revenue in fiscal year 2025. That is unchanged from the prior year.

Net Income

$256K

YoY+11.7%

5Y CAGR-72.3%

10Y CAGR-43.3%

First Financial Bancorp reported $256K 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%

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.

EBITDA

Not reported for fiscal year 2025.

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%

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

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

0.0%

YoY0.0pp

5Y CAGR-29.6pp

10Y CAGR-27.8pp

First Financial Bancorp's net profit margin was 0.0% in fiscal year 2025, showing the share of revenue converted to profit. That is unchanged from the prior year.

Return on Equity

0.0%

YoY0.0pp

5Y CAGR-6.8pp

10Y CAGR-9.3pp

First Financial Bancorp's ROE was 0.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. That is unchanged from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

FFBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FFBC annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$1.1B	$1.0B0.0%	$1.0B+11.0%	$903.0M+54.4%	$585.0M+21.1%	$483.2M-8.0%	$525.0M-13.6%	$607.6M+12.4%	$540.4M+62.2%	$333.1M+8.9%	$305.9M+13.4%	$269.8M+8.8%	$247.9M+1.1%	$245.2M-12.7%	$280.9M-9.0%	$308.8M
SG&A Expenses	$352.5M	$315.9M+3.8%	$304.4M+4.0%	$292.7M+8.7%	$269.4M+9.5%	$245.9M+3.9%	$236.8M+13.3%	$209.1M+10.6%	$189.0M+37.7%	$137.2M+6.8%	$128.5M+15.0%	$111.8M+3.8%	$107.7M+6.2%	$101.4M-10.4%	$113.2M+5.8%	$106.9M
Interest Expense	$364.5M	$359.9M-7.7%	$390.1M+41.7%	$275.2M+317.9%	$65.9M+111.8%	$31.1M-54.6%	$68.5M-44.5%	$123.3M+35.3%	$91.1M+84.0%	$49.5M+48.8%	$33.3M+43.1%	$23.3M+20.9%	$19.2M+13.9%	$16.9M-38.8%	$27.6M-38.6%	$44.9M
Income Tax	$72.6M	$65.7M+66.3%	$39.5M-37.0%	$62.7M+160.2%	$24.1M-32.6%	$35.8M+25.1%	$28.6M-36.1%	$44.8M+7.6%	$41.6M+114.8%	$19.4M-54.1%	$42.2M+17.7%	$35.9M+19.5%	$30.0M+56.1%	$19.2M-47.2%	$36.4M-4.9%	$38.3M
Net Income	$29.9M	$256K+11.7%	$229K-10.6%	$256K+17.6%	$218K+6.1%	$205K-99.9%	$155.8M-21.3%	$198.1M+14.8%	$172.6M+78.3%	$96.8M+9.3%	$88.5M+17.9%	$75.1M+15.5%	$65.0M+34.4%	$48.3M-28.2%	$67.3M+0.8%	$66.7M
EPS (Diluted)	—	$2.66+10.8%	$2.40-10.8%	$2.69+17.0%	$2.30+7.5%	$2.14	$1.59-20.5%	$2.00+3.6%	$1.93+23.7%	$1.56+9.1%	$1.43+18.2%	$1.21+11.0%	$1.09+31.3%	$0.83-27.2%	$1.140.0%	$1.14

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$280.9M-0.5%	$282.4M+6.4%	$265.3M+6.0%	$250.3M+1.8%	$245.9M+2.3%	$240.4M-4.4%	$251.6M-2.2%	$257.1M
SG&A Expenses	$86.9M-13.0%	$99.9M+17.3%	$85.1M+5.6%	$80.6M+7.6%	$74.9M-0.4%	$75.2M-6.3%	$80.3M+7.4%	$74.8M
Interest Expense	$90.5M-2.4%	$92.8M+1.6%	$91.3M+1.7%	$89.8M+2.4%	$87.6M-3.8%	$91.1M-6.2%	$97.2M-4.3%	$101.6M
Income Tax	$18.0M-6.0%	$19.1M+14.2%	$16.7M-10.7%	$18.8M+5.0%	$17.9M+45.1%	$12.3M+506.7%	$2.0M-83.7%	$12.4M
Net Income	$76.5M+2.7%	$74.4M+138.6%	-$193.0M-368.3%	$71.9M+2.8%	$70.0M+36.5%	$51.3M+131.3%	-$163.7M-412.1%	$52.5M
EPS (Diluted)	$0.73+2.8%	$0.71	N/A	$0.75+2.7%	$0.73+35.2%	$0.54	N/A	$0.55

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

FFBC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FFBC annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$21.1B+13.8%	$18.6B+5.9%	$17.5B+3.1%	$17.0B+4.1%	$16.3B+2.2%	$16.0B+10.1%	$14.5B+3.8%	$14.0B+57.2%	$8.9B+5.4%	$8.4B+3.6%	$8.1B+12.9%	$7.2B+12.5%	$6.4B-1.2%	$6.5B-2.6%	$6.7B
Cash & Equivalents	$178.6M+2.5%	$174.3M-18.2%	$213.1M+2.7%	$207.5M-5.7%	$220.0M-4.8%	$231.1M+15.1%	$200.7M	N/A	N/A	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%	$937.8M0.0%	$937.8M+6.5%	$880.3M+331.3%	$204.1M0.0%	$204.1M0.0%	$204.1M+48.2%	$137.7M+44.9%	$95.0M0.0%	$95.0M0.0%	$95.0M
Total Liabilities	$18.4B+13.8%	$16.1B+5.7%	$15.3B+2.0%	$15.0B+6.3%	$14.1B+2.8%	$13.7B+11.6%	$12.3B+3.0%	$11.9B+49.5%	$8.0B+5.2%	$7.6B+3.2%	$7.3B+14.1%	$6.4B+12.2%	$5.7B-0.9%	$5.8B-2.9%	$6.0B
Long-Term Debt	$514.1M+47.9%	$347.5M+1.0%	$344.1M-0.7%	$346.7M+10.6%	$313.4M-59.6%	$776.2M+87.3%	$414.4M-27.4%	$570.7M+377.0%	$119.7M+0.1%	$119.6M0.0%	$119.5M+147.8%	$48.2M-20.6%	$60.8M-19.2%	$75.2M-1.8%	$76.5M
Total Equity	$2.8B+13.6%	$2.4B+7.5%	$2.3B+11.1%	$2.0B-9.6%	$2.3B-1.0%	$2.3B+1.5%	$2.2B+8.2%	$2.1B+123.3%	$930.7M+7.6%	$865.2M+6.9%	$809.4M+3.2%	$784.1M+14.9%	$682.2M-4.0%	$710.4M-0.3%	$712.2M
Retained Earnings	$1.4B+12.6%	$1.3B+12.3%	$1.1B+17.4%	$968.2M+15.6%	$837.5M+16.2%	$720.4M+1.3%	$711.2M+18.5%	$600.0M+22.0%	$491.8M+12.5%	$437.2M+12.6%	$388.2M+10.0%	$352.9M+8.9%	$324.2M-1.8%	$330.0M-0.4%	$331.4M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$22.4B-1.5%	$22.8B+7.8%	$21.1B+13.9%	$18.6B-0.4%	$18.6B+1.0%	$18.5B-0.6%	$18.6B+2.3%	$18.1B
Cash & Equivalents	$206.4M+20.9%	$170.6M-4.4%	$178.6M+2.2%	$174.7M-16.9%	$210.2M+10.3%	$190.6M+9.4%	$174.3M-8.6%	$190.6M
Goodwill	$1.1B0.0%	$1.1B0.0%	$1.1B+9.1%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B
Total Liabilities	$19.5B-2.0%	$19.8B+8.1%	$18.4B+15.3%	$15.9B-1.0%	$16.1B+0.8%	$16.0B-1.1%	$16.1B+2.8%	$15.7B
Long-Term Debt	$382.6M+0.6%	$380.2M-26.0%	$514.1M+131.7%	$221.8M-35.7%	$345.0M-0.3%	$345.9M-0.5%	$347.5M+1.0%	$344.1M
Total Equity	$3.0B+1.6%	$2.9B+6.2%	$2.8B+5.2%	$2.6B+2.9%	$2.6B+2.3%	$2.5B+2.6%	$2.4B-0.5%	$2.5B
Retained Earnings	$1.5B+3.4%	$1.5B+3.4%	$1.4B+2.7%	$1.4B+3.5%	$1.4B+3.6%	$1.3B+2.2%	$1.3B+3.4%	$1.2B

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.

FFBC Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FFBC annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$792.3M	$337.9M+28.9%	$262.2M-46.2%	$487.0M+142.5%	$200.8M-48.3%	$388.2M+258.2%	$108.4M-41.8%	$186.3M-28.4%	$260.3M+110.8%	$123.5M-13.4%	$142.6M+55.7%	$91.6M+61.6%	$56.7M-65.5%	$164.4M-22.4%	$211.8M+4.3%	$203.1M
Capital Expenditures	$35.9M	$20.8M-1.5%	$21.1M-12.7%	$24.1M+75.2%	$13.8M-10.1%	$15.3M-6.9%	$16.5M-21.3%	$20.9M+14.8%	$18.2M+178.8%	$6.5M-32.8%	$9.7M+30.3%	$7.5M-29.6%	$10.6M+45.4%	$7.3M-71.4%	$25.5M+8.3%	$23.5M
Free Cash Flow	$756.4M	$317.1M+31.5%	$241.1M-47.9%	$462.8M+147.4%	$187.1M-49.8%	$372.8M+305.7%	$91.9M-44.4%	$165.4M-31.7%	$242.1M+107.0%	$117.0M-12.0%	$132.9M+58.0%	$84.1M+82.6%	$46.0M-70.7%	$157.1M-15.7%	$186.3M+3.8%	$179.5M
Investing Cash Flow	-$760.9M	-$546.7M+45.3%	-$1.0B-42.6%	-$701.3M+20.6%	-$883.1M-73.1%	-$510.0M+57.6%	-$1.2B-376.7%	-$252.4M-23.3%	-$204.8M+52.3%	-$429.5M-37.1%	-$313.3M+65.9%	-$918.8M-994.2%	-$84.0M+16.2%	-$100.2M-1099.0%	$10.0M-95.4%	$219.0M
Financing Cash Flow	-$35.2M	$213.2M-69.5%	$699.1M+218.0%	$219.9M-67.2%	$669.7M+504.2%	$110.8M-90.1%	$1.1B+3581.8%	$30.6M+1.8%	$30.0M-91.0%	$335.0M+88.7%	$177.5M-78.7%	$832.0M+4096.5%	$19.8M+124.5%	-$81.0M+65.8%	-$237.0M+37.4%	-$378.4M
Dividends Paid	$101.0M	$94.6M+5.7%	$89.5M+2.7%	$87.2M+0.6%	$86.6M-0.8%	$87.3M-2.6%	$89.7M+0.7%	$89.1M+11.9%	$79.7M+93.4%	$41.2M+5.2%	$39.1M+0.1%	$39.1M+12.1%	$34.8M-43.3%	$61.4M-9.4%	$67.8M+92.0%	$35.3M
Share Buybacks	N/A	N/A	N/A	$0	$0-100.0%	$108.1M+547.7%	$16.7M-74.8%	$66.2M	$0	$0	$0-100.0%	$4.5M+545.3%	$697K-94.1%	$11.8M+73.1%	$6.8M	$0

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$31.4M-94.3%	$549.0M+349.4%	$122.2M+36.0%	$89.8M+28.7%	$69.8M+24.4%	$56.1M-24.2%	$74.1M-15.9%	$88.1M
Capital Expenditures	$10.3M-23.6%	$13.5M+68.0%	$8.0M+99.1%	$4.0M-18.5%	$4.9M+31.9%	$3.8M-46.4%	$7.0M+90.8%	$3.7M
Free Cash Flow	$21.1M-96.1%	$535.5M+369.2%	$114.1M+33.0%	$85.8M+32.3%	$64.8M+23.8%	$52.4M-21.9%	$67.1M-20.6%	$84.4M
Investing Cash Flow	$375.5M+162.5%	-$600.6M-2.9%	-$583.6M-1322.7%	$47.7M+157.2%	-$83.5M-215.0%	$72.6M+118.3%	-$396.2M-5232.5%	$7.7M
Financing Cash Flow	-$371.2M-949.5%	$43.7M-90.6%	$465.3M+368.9%	-$173.1M-620.2%	$33.3M+129.6%	-$112.4M-136.8%	$305.8M+408.8%	-$99.0M
Dividends Paid	$26.9M+3.6%	$26.0M+6.4%	$24.4M+3.0%	$23.7M+0.5%	$23.6M+2.5%	$23.0M+1.5%	$22.7M0.0%	$22.7M

FFBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

FFBC annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-29.6pp	29.7%-2.9pp	32.6%+0.7pp	31.9%+2.9pp	29.1%+0.1pp	28.9%+1.1pp	27.8%+1.6pp	26.2%+6.5pp	19.7%-4.2pp	24.0%+2.4pp	21.6%
Return on Equity	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-6.8pp	6.8%-2.0pp	8.8%+0.5pp	8.3%-2.1pp	10.4%+0.2pp	10.2%+1.0pp	9.3%+1.0pp	8.3%+1.2pp	7.1%-2.4pp	9.5%+0.1pp	9.4%
Return on Assets	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-1.0pp	1.0%-0.4pp	1.4%+0.1pp	1.2%+0.1pp	1.1%0.0pp	1.1%+0.1pp	0.9%0.0pp	0.9%+0.1pp	0.8%-0.3pp	1.0%0.0pp	1.0%
Debt-to-Equity	0.190.0x	0.140.0x	0.150.0x	0.170.0x	0.14-0.2x	0.34+0.2x	0.18-0.1x	0.27+0.1x	0.130.0x	0.140.0x	0.15+0.1x	0.060.0x	0.090.0x	0.110.0x	0.11
FCF Margin	31.6%+7.6pp	24.1%-27.2pp	51.2%+19.3pp	32.0%-45.2pp	77.1%+59.6pp	17.5%-9.7pp	27.2%-17.6pp	44.8%+9.7pp	35.1%-8.3pp	43.4%+12.3pp	31.2%+12.6pp	18.6%-45.5pp	64.0%-2.3pp	66.3%+8.2pp	58.1%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	27.2%+0.9pp	26.4%+99.1pp	-72.7%-101.5pp	28.7%+0.3pp	28.5%+7.1pp	21.3%+86.4pp	-65.1%-85.5pp	20.4%
Return on Equity	2.6%0.0pp	2.5%+9.5pp	-7.0%-9.7pp	2.7%0.0pp	2.7%+0.7pp	2.1%+8.8pp	-6.7%-8.9pp	2.1%
Return on Assets	0.3%0.0pp	0.3%+1.2pp	-0.9%-1.3pp	0.4%0.0pp	0.4%+0.1pp	0.3%+1.2pp	-0.9%-1.2pp	0.3%
Debt-to-Equity	0.130.0x	0.13-0.1x	0.19+0.1x	0.08-0.1x	0.130.0x	0.140.0x	0.140.0x	0.14
FCF Margin	7.5%	189.6%	43.0%+8.7pp	34.3%+7.9pp	26.4%+4.6pp	21.8%-4.9pp	26.7%-6.2pp	32.8%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where First Financial Bancorp Ranks

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. That is unchanged from 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 was essentially unchanged year-over-year, at $1.0B in fiscal year 2025 against $1.0B the year before.

Is First Financial Bancorp profitable?

Yes, First Financial Bancorp (FFBC) reported a net income of $256K in fiscal year 2025, with a net profit margin of 0.0%.

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 0.0% 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 0.0% 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 0.0% 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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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) reported $256K of net income while generating $337.9M in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead. 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 51 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.