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 (FFBC) Financials

FFBC

Trailing 12 months to June 30, 2026

Revenue $1.0B +18.3% YoY

Net Income $29.9M +198.0% YoY

EPS (Diluted) $2.83 +13.2% YoY

Free Cash Flow $756.4M +181.5% YoY

Market Cap $3.3B as of Oct 12, 2026

Price / Sales 3.2x on $1.0B revenue, trailing 12 months to June 30, 2026

Price / Earnings 110x on $29.9M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $3.0B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FFBC SEC filings page.

First Financial Bancorp (FFBC) reported $1.0B in revenue over the twelve months to Jun 30, 2026, up 18.3% from the prior twelve months. 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 2026-10-04

Asset growth is accelerating, but liability funding and uneven cash generation make balance-sheet expansion the central operating story.

Between FY2023 and FY2025, total assets expanded from $17.5B to $21.1B. Liabilities grew faster in dollar terms than equity, leaving the expansion primarily liability-funded and making the balance sheet more central to understanding operations than conventional margins.

Cash generation has been cyclical rather than steadily rising: operating cash flow fell to $262M in FY2024, then recovered to $338M in FY2025. Free cash flow moved in the same direction, staying close to operating cash flow, so the major fluctuation came from operations rather than capital spending.

FY2025 revenue reached $899M while selling, general, and administrative expense was $316M; revenue expanded faster than overhead. That widening spread suggests better operating absorption, although the available data do not provide a conventional margin line, so the improvement cannot be attributed to a specific cost or product mix mechanism.

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

First Financial Bancorp earned a return on assets of 0.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and First Financial Bancorp scores 16/100 among other banks.

Growth

First Financial Bancorp reported revenue of $899.5M in fiscal year 2025, against $835.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First Financial Bancorp scores 29/100 among other banks.

Capital

First Financial Bancorp funded 13.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $2.8B of equity against $21.1B of assets. Capital ranks banks on that cushion, and First Financial Bancorp scores 69/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First Financial Bancorp scores 64/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. First Financial Bancorp scores 38/100 on it among other banks.

Stability

First Financial Bancorp reported net income of $256K in fiscal year 2025, against $229K in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First Financial Bancorp scores 91/100 among other banks.

Piotroski F-Score Partial

3/7

First Financial Bancorp passes 3 of 7 computable financial strength tests (2 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

$264.2M

YoY+16.7%

QoQ-2.7%

5Y CAGR+11.0%

10Y CAGR+11.7%

First Financial Bancorp generated $264.2M in revenue in Q2 2026. This represents an increase of 16.7% from the same quarter a year earlier. Against the prior quarter it is down 2.7%.

Net Income

$76.5M

YoY+9.2%

QoQ+2.7%

5Y CAGR+8.5%

10Y CAGR+13.0%

First Financial Bancorp reported $76.5M in net income in Q2 2026. This represents an increase of 9.2% from the same quarter a year earlier. Against the prior quarter it is up 2.7%.

EPS (Diluted)

$0.73

YoY0.0%

QoQ+2.8%

5Y CAGR+7.0%

10Y CAGR+7.3%

First Financial Bancorp earned $0.73 per diluted share (EPS) in Q2 2026. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 2.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$21.1M

YoY-67.5%

QoQ-96.1%

5Y CAGR-17.8%

10Y CAGR-5.2%

First Financial Bancorp generated $21.1M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 67.5% from the same quarter a year earlier. Against the prior quarter it is down 96.1%.

Cash & Debt

$206.4M

YoY-1.8%

QoQ+20.9%

5Y CAGR-0.1%

First Financial Bancorp held $206.4M in cash against $382.6M in long-term debt as of Q2 2026.

Dividends Per Share

$0.25

YoY+4.2%

QoQ0.0%

5Y CAGR+1.7%

10Y CAGR+4.6%

First Financial Bancorp paid $0.25 per share in dividends in Q2 2026. This represents an increase of 4.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

105M

YoY+9.6%

QoQ0.0%

5Y CAGR+1.9%

10Y CAGR+5.4%

First Financial Bancorp had 105M shares outstanding in Q2 2026. This represents an increase of 9.6% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

28.9%

YoY-2.0pp

QoQ+1.5pp

5Y change-3.5pp

10Y change+3.1pp

First Financial Bancorp's net profit margin was 28.9% in Q2 2026, showing the share of revenue converted to profit. This is down 2.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.5 percentage points.

Return on Equity

2.6%

YoY-0.2pp

QoQ0.0pp

5Y change+0.3pp

10Y change-0.1pp

First Financial Bancorp's ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$10.3M

YoY+108.2%

QoQ-23.6%

5Y CAGR+33.3%

10Y CAGR+55.7%

First Financial Bancorp invested $10.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 108.2% from the same quarter a year earlier. Against the prior quarter it is down 23.6%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

FFBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FFBC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.0B	$899.5M+7.6%	$835.6M-0.5%	$840.2M+18.5%	$708.8M+13.7%	$623.6M-3.4%	$645.6M+4.9%	$615.6M+11.4%	$552.6M+53.6%	$359.7M+5.1%	$342.3M+6.4%	$321.7M+10.0%	$292.6M-3.1%	$302.0M-19.6%	$375.8M-7.5%	$406.4M
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 (Basic)	N/A	$2.68+10.7%	$2.42-11.0%	$2.72+16.7%	$2.33+7.9%	$2.16+35.0%	$1.60-20.4%	$2.01+3.1%	$1.95+24.2%	$1.57+8.3%	$1.45+17.9%	$1.23+10.8%	$1.11+32.1%	$0.84-27.6%	$1.160.0%	$1.16
EPS (Diluted)	$2.83	$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
Diluted Shares (Avg)	N/A	96M+0.8%	95M+0.3%	95M+0.5%	95M-1.4%	96M	98M-0.8%	99M+10.3%	90M+44.1%	62M+0.3%	62M+0.2%	62M+4.1%	59M+2.3%	58M-1.4%	59M+0.3%	59M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$264.2M+16.7%	$271.5M+35.5%	$238.8M+6.5%	$234.0M+16.3%	$226.3M+5.4%	$200.4M+2.6%	$224.3M+11.7%	$201.3M-5.1%
SG&A Expenses	$86.9M+16.0%	$99.9M+32.7%	$85.1M+6.0%	$80.6M+7.7%	$74.9M-0.4%	$75.2M+1.6%	$80.3M+13.7%	$74.8M-1.1%
Interest Expense	$90.5M+3.3%	$92.8M+1.8%	$91.3M-6.0%	$89.8M-11.6%	$87.6M-11.8%	$91.1M-0.9%	$97.2M+14.8%	$101.6M+32.5%
Income Tax	$18.0M+0.7%	$19.1M+55.3%	$16.7M+724.9%	$18.8M+50.9%	$17.9M+27.7%	$12.3M+11.4%	$2.0M-86.2%	$12.4M-18.8%
Net Income	$76.5M+9.2%	$74.4M+45.1%	-$193.0M-17.9%	$71.9M+37.1%	$70.0M+15.1%	$51.3M+1.2%	-$163.7M+17.7%	$52.5M-16.8%
EPS (Basic)	$0.740.0%	$0.72+33.3%	$0.64-5.9%	$0.76+35.7%	$0.74+15.6%	$0.540.0%	$0.68+13.3%	$0.56-16.4%
EPS (Diluted)	$0.730.0%	$0.71+31.5%	$0.64-5.9%	$0.75+36.4%	$0.73+14.1%	$0.54+1.9%	$0.68+13.3%	$0.55-16.7%
Diluted Shares (Avg)	105M+9.6%	105M+9.5%	N/A	96M+0.3%	96M+0.3%	96M+0.4%	N/A	95M+0.4%

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

FFBC Balance Sheet

FFBC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	$68.7M-58.7%	$166.3M+82.7%	$91.0M-61.6%	$236.7M	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$22.4B+20.4%	$22.8B+23.4%	$21.1B+13.8%	$18.6B+2.2%	$18.6B+2.6%	$18.5B+4.9%	$18.6B+5.9%	$18.1B+6.4%
Cash & Equivalents	$206.4M-1.8%	$170.6M-10.5%	$178.6M+2.5%	$174.7M-8.4%	$210.2M+8.5%	$190.6M-4.4%	$174.3M-18.2%	$190.6M-13.5%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.1B+9.2%	$1.1B+9.1%	$1.1B+9.1%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B+0.2%	$1.0B+0.2%
Total Liabilities	$19.5B+21.0%	$19.8B+24.4%	$18.4B+13.8%	$15.9B+1.4%	$16.1B+1.5%	$16.0B+4.2%	$16.1B+5.7%	$15.7B+5.2%
Long-Term Debt	$382.6M+10.9%	$380.2M+9.9%	$514.1M+47.9%	$221.8M-35.5%	$345.0M+1.9%	$345.9M+0.8%	$347.5M+1.0%	$344.1M+0.9%
Total Equity	$3.0B+16.8%	$2.9B+17.6%	$2.8B+13.6%	$2.6B+7.4%	$2.6B+10.0%	$2.5B+9.4%	$2.4B+7.5%	$2.5B+15.1%
Retained Earnings	$1.5B+13.6%	$1.5B+13.9%	$1.4B+12.6%	$1.4B+13.4%	$1.4B+12.2%	$1.3B+11.9%	$1.3B+12.3%	$1.2B+12.0%

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

FFBC Cash Flow Statement

FFBC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$31.8M+5.0%	$30.3M+1.0%	$30.0M-3.7%	$31.2M-3.0%	$32.1M-3.6%	$33.3M+18.5%	$28.1M+16.4%	$24.2M+91.2%	$12.6M-3.0%	$13.0M-1.7%	$13.3M+3.8%	$12.8M-10.4%	$14.3M-9.9%	$15.8M+32.5%	$12.0M
Stock-Based Compensation	N/A	$15.6M-0.7%	$15.7M+5.3%	$14.9M+11.4%	$13.4M+38.9%	$9.6M+25.5%	$7.7M-3.7%	$8.0M+28.1%	$6.2M+14.2%	$5.4M+1.7%	$5.4M+32.2%	$4.0M+2.0%	$4.0M+4.4%	$3.8M-9.1%	$4.2M+6.4%	$3.9M
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$31.4M-55.0%	$549.0M+878.2%	$122.2M+64.9%	$89.8M+1.9%	$69.8M+2.5%	$56.1M+75.7%	$74.1M-36.2%	$88.1M-4.0%
Depreciation & Amortization	$12.3M+66.7%	$13.4M+82.6%	$9.7M+30.2%	$7.4M-3.4%	$7.4M-5.5%	$7.3M-0.9%	$7.5M+1.7%	$7.7M+0.4%
Stock-Based Compensation	N/A	$3.7M-34.3%	N/A	N/A	N/A	$5.6M-3.7%	N/A	N/A
Capital Expenditures	$10.3M+108.2%	$13.5M+259.7%	$8.0M+14.7%	$4.0M+9.9%	$4.9M+50.5%	$3.8M-47.3%	$7.0M+16.6%	$3.7M-39.9%
Free Cash Flow	$21.1M-67.5%	$535.5M+922.5%	$114.1M+70.2%	$85.8M+1.6%	$64.8M+0.1%	$52.4M+111.1%	$67.1M-39.1%	$84.4M-1.4%
Investing Cash Flow	$375.5M+549.9%	-$600.6M-927.0%	-$583.6M-47.3%	$47.7M+518.3%	-$83.5M+85.3%	$72.6M+267.6%	-$396.2M+22.9%	$7.7M-85.6%
Financing Cash Flow	-$371.2M-1215.7%	$43.7M+138.9%	$465.3M+52.2%	-$173.1M-74.8%	$33.3M-93.3%	-$112.4M-4888.2%	$305.8M-21.6%	-$99.0M+30.5%
Dividends Paid	$26.9M+14.2%	$26.0M+12.9%	$24.4M+7.7%	$23.7M+4.5%	$23.6M+5.4%	$23.0M+5.2%	$22.7M+4.6%	$22.7M+4.1%

Not reported in any period shown, so not listed: Share Buybacks.

FFBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FFBC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-24.1pp	24.1%-8.0pp	32.2%+0.9pp	31.2%+4.3pp	26.9%+1.1pp	25.9%+2.5pp	23.3%+1.1pp	22.2%+6.2pp	16.0%-1.9pp	17.9%+1.5pp	16.4%
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
Asset Turnover	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.060.0x	0.06
FCF Margin	35.3%+6.4pp	28.8%-26.2pp	55.1%+28.7pp	26.4%-33.4pp	59.8%+45.6pp	14.2%-12.6pp	26.9%-16.9pp	43.8%+11.3pp	32.5%-6.3pp	38.8%+12.7pp	26.1%+10.4pp	15.7%-36.3pp	52.0%+2.4pp	49.6%+5.4pp	44.2%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	28.9%-2.0pp	27.4%+1.8pp	-80.8%-7.8pp	30.7%+4.7pp	30.9%+2.6pp	25.6%-0.4pp	-73.0%+26.1pp	26.1%-3.7pp
Return on Equity	2.6%-0.2pp	2.5%+0.5pp	-7.0%-0.3pp	2.7%+0.6pp	2.7%+0.1pp	2.1%-0.2pp	-6.7%+2.1pp	2.1%-0.8pp
Return on Assets	0.3%0.0pp	0.3%+0.1pp	-0.9%0.0pp	0.4%+0.1pp	0.4%+0.1pp	0.3%0.0pp	-0.9%+0.2pp	0.3%-0.1pp
Debt-to-Equity	0.130.0x	0.130.0x	0.190.0x	0.08-0.1x	0.130.0x	0.140.0x	0.140.0x	0.140.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	8.0%-20.7pp	197.2%	47.8%+17.9pp	36.6%-5.3pp	28.6%-1.5pp	26.1%+13.4pp	29.9%-25.0pp	42.0%+1.6pp

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

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
First Financial Bancorp FFBC	FY2025	$899.5M	$256K	0.0%	$3.3B	51/100
Trustmark Corp TRMK	FY2025	$799.8M	$224.1M	28.0%	$2.6B	38/100
WaFd, Inc. WAFD	FY2025	$725.5M	$226.1M	31.2%	$2.2B	46/100
First Merchants Corp FRME	FY2025	$662.9M	$226.0M	34.1%	$2.4B	65/100
Park National Corporation PRK	FY2025	$664.4M	$180.1M	27.1%	$3.2B	76/100
Bank of Hawaii Corp. BOH	FY2025	$716.6M	$205.9M	28.7%	$2.6B	44/100

Where First Financial Bancorp Ranks

Frequently Asked Questions

What is First Financial Bancorp's annual revenue?

First Financial Bancorp (FFBC) reported $899.5M in total revenue for fiscal year 2025. This represents a 7.6% 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 7.6% year-over-year, from $835.6M to $899.5M in fiscal year 2025.

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.

How many shares does First Financial Bancorp have outstanding?

First Financial Bancorp (FFBC) had 105M shares outstanding as of fiscal year 2025.

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 P/E ratio?

First Financial Bancorp (FFBC) trades at 110x earnings, its market capitalization divided by net income of $29.9M net income, trailing 12 months to June 30, 2026. The market capitalization is $3.3B as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Financial Bancorp's price-to-sales ratio?

First Financial Bancorp (FFBC) trades at 3.2x sales, its market capitalization divided by revenue of $1.0B revenue, trailing 12 months to June 30, 2026. The market capitalization is $3.3B as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

First Financial Bancorp (FFBC) has a Piotroski F-Score of 3 out of 7 computable signals; 2 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.