First Financial Bancorp

First Financial Bancorp

FFBC · NASDAQ · Financial Services / Banks - Regional

32.65USD+0.09 (+0.28%)

Price History

Full chart

Market Stats

Previous Close32.56
Open32.67
Day Range32.38 – 32.81
52-Week Range22.26 – 35.96
Volume495.10K
Market Cap3.32B
P/E (TTM)11.03
Forward P/E8.92
EPS2.86
Dividend Yield3.24%
Beta0.92
50-Day Avg33.38
200-Day Avg30.21

About

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and commercial customers. It also provides real estate loans secured by residential property, such as one to four family residential housing units or commercial property comprising owner-occupied and/or investor income producing real estate consisting of apartments, shopping centers, and office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment, as well as equipment and leasehold improvement financing for franchisees; consumer loans, such as new and used vehicle loans, second mortgages on residential real estate and unsecured loans; and home equity lines of credit. In addition, the company offers secured commercial financing services to the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees. Further, it provides a range of trust and wealth management services, lease and equipment financing services, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Karen Ball Woods J.D.
  • Employees2.37K
  • Headquarters255 East Fifth Street, Cincinnati, OH, United States, 45202, USA
  • Websitehttps://www.bankatfirst.com

Leadership

  • Ms. Karen Ball Woods J.D.Executive VP, General Counsel, Chief Administrative Officer & Corporate Secretary · b. 1968
  • Mr. Richard S. Dennen CPAExecutive VP & Chief Corporate Banking Officer · b. 1967

Financials

Income Statement

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue-----151.00M146.50M141.10M151.00M174.50M193.40M263.30M302.20M324.78M361.70M343.99M297.71M270.50M256.12M253.96M281.38M270.03M235.05M238.20M422.34M381.24M368.00M315.13M311.46M344.96M375.55M409.21M643.76M738.95M714.09M654.72M774.65M1.12B1.23B1.26B
Growth (%)-------2.98%-3.69%+7.02%+15.56%+10.83%+36.14%+14.77%+7.47%+11.37%-4.90%-13.45%-9.14%-5.32%-0.84%+10.80%-4.03%-12.95%+1.34%+77.30%-9.73%-3.47%-14.37%-1.17%+10.76%+8.87%+8.96%+57.32%+14.79%-3.36%-8.31%+18.32%+43.99%+9.88%+2.75%
Cost of Revenue-----80.00M65.10M51.30M50.90M65.70M73.10M103.30M118.70M126.43M156.72M153.59M94.42M82.35M62.27M73.30M90.27M95.59M86.51M113.33M164.70M128.21M77.61M25.80M20.76M32.90M43.42M53.11M106.01M153.76M139.01M12.98M77.58M318.34M437.74M397.52M
Gross Profit-----71.00M81.40M89.80M100.10M108.80M120.30M160.00M183.50M198.36M204.98M190.39M203.28M188.15M193.85M180.66M191.10M174.44M148.54M238.20M422.34M253.02M290.40M289.34M290.70M312.06M332.13M356.11M537.76M585.19M575.08M641.75M697.07M797.09M787.92M861.82M
Gross Margin-----47.02%55.56%63.64%66.29%62.35%62.20%60.77%60.72%61.07%56.67%55.35%68.28%69.56%75.69%71.14%67.92%64.60%63.19%100.00%100.00%66.37%78.91%91.81%93.33%90.46%88.44%87.02%83.53%79.19%80.53%98.02%89.99%71.46%64.29%68.43%
Operating Expense-----50.30M55.70M58.50M62.10M63.30M71.40M91.20M107.80M121.73M118.02M124.95M132.51M132.79M133.45M137.24M160.38M120.75M115.18M-209.61M262.40M147.99M186.65M221.75M195.67M201.13M201.40M239.94M323.54M342.33M390.66M400.81M455.35M478.49M519.60M540.55M
Operating Income9.20M11.00M13.10M15.20M12.10M20.70M25.70M31.30M38.00M45.50M48.90M68.80M75.70M76.62M86.96M65.44M70.77M55.36M60.40M43.42M30.72M53.69M33.37M447.81M159.94M105.04M103.75M67.58M95.03M110.93M130.73M116.16M214.22M242.86M184.41M240.93M241.72M318.60M268.32M321.27M
Operating Margin-----13.71%17.54%22.18%25.17%26.07%25.28%26.13%25.05%23.59%24.04%19.02%23.77%20.46%23.58%17.10%10.92%19.88%14.19%188.00%37.87%27.55%28.19%21.45%30.51%32.16%34.81%28.39%33.28%32.87%25.82%36.80%31.20%28.56%21.89%25.51%
EBITDA9.20M11.00M13.10M15.20M12.10M24.00M29.30M37.20M43.70M50.60M53.60M75.40M85.30M85.82M89.14M74.25M81.09M74.84M69.37M54.01M39.20M61.77M40.04M447.81M159.94M116.99M119.58M81.85M107.81M124.20M143.77M128.81M238.39M271.00M225.65M280.49M280.53M356.39M306.74M343.36M
EBITDA Margin-----15.89%20.00%26.36%28.94%29.00%27.71%28.64%28.23%26.42%24.64%21.58%27.24%27.67%27.09%21.27%13.93%22.87%17.04%188.00%37.87%30.69%32.49%25.97%34.62%36.00%38.28%31.48%37.03%36.67%31.60%42.84%36.21%31.95%25.03%27.26%
Net Income9.20M11.00M13.10M15.20M12.10M16.60M21.40M24.30M28.20M31.80M33.90M46.80M51.00M50.32M58.22M43.31M48.23M37.91M41.12M37.93M21.27M35.68M22.96M246.55M59.25M66.74M67.30M48.35M65.00M75.06M88.53M96.79M172.59M198.07M155.81M205.16M217.61M255.86M228.83M255.60M
Net Income Margin-----10.99%14.61%17.22%18.68%18.22%17.53%17.77%16.88%15.49%16.10%12.59%16.20%14.01%16.05%14.94%7.56%13.21%9.77%103.50%14.03%17.51%18.29%15.34%20.87%21.76%23.57%23.65%26.81%26.80%21.82%31.34%28.09%22.94%18.67%20.30%
R&D-------------------------00000000-------
R&D as % of Total Revenue-------------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense0000074.90M59.00M47.60M49.60M63.60M69.70M96.60M110.50M117.19M145.42M126.78M78.25M63.41M56.29M67.73M80.45M87.94M67.10M57.24M67.99M44.92M27.59M16.89M19.23M23.26M33.28M49.53M91.15M123.32M68.45M31.10M65.86M275.23M390.08M359.86M
Interest Expense % of Total Revenue-----49.60%40.27%33.73%32.85%36.45%36.04%36.69%36.57%36.08%40.21%36.86%26.28%23.44%21.98%26.67%28.59%32.57%28.55%24.03%16.10%11.78%7.50%5.36%6.18%6.74%8.86%12.10%14.16%16.69%9.59%4.75%8.50%24.68%31.83%28.58%

Balance Sheet

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-----1.67B1.62B1.69B1.92B2.10B2.26B2.64B3.54B3.94B3.93B3.85B3.73B3.96B3.92B3.69B3.30B3.37B3.70B6.68B6.25B6.67B6.50B6.42B7.22B8.15B8.44B8.90B13.99B14.51B15.97B16.33B17.00B17.53B18.57B21.13B
Total Liabilities-----1.53B1.48B1.52B1.73B1.87B2.00B2.35B3.18B3.57B3.54B3.47B3.35B3.59B3.55B3.39B3.02B3.09B3.35B6.01B5.55B5.96B5.79B5.74B6.43B7.34B7.57B7.97B11.91B12.26B13.69B14.07B14.96B15.26B16.13B18.36B
Total Equity-----138.70M149.10M169.20M194.70M234.20M258.50M286.30M358.30M372.50M395.13M384.54M377.60M366.48M371.45M299.88M285.48M276.58M348.33M649.96M697.39M712.22M710.42M682.16M784.08M809.38M865.22M930.66M2.08B2.25B2.28B2.26B2.04B2.27B2.44B2.77B
Cash-----93.10M95.80M99.80M111.90M115.60M115.90M145.80M167.10M234.70M185.31M224.80M186.31M188.63M152.93M163.28M119.41M106.22M100.94M606.17M282.93M525.05M158.84M143.45M132.75M148.57M204.05M184.62M273.96M257.64M251.36M434.84M595.68M1.01B904.49M178.55M
Total Debt-----25.30M27.10M29.10M123.10M61.20M100.30M93.40M275.90M705.70M351.78M353.80M395.23M611.89M509.48M429.22M191.39M164.81M466.32M462.77M209.34M175.97M699.77M809.53M709.63M1.06B927.50M934.22M1.61B1.73B507.81M706.03M1.63B1.28B1.10B1.19B
Net Debt------67.80M-68.70M-70.70M11.20M-54.40M-15.60M-52.40M108.80M471.00M166.48M129.00M208.92M423.26M356.55M265.94M71.99M58.58M365.38M-143.40M-73.59M-349.08M540.93M666.08M576.88M909.39M723.45M749.60M1.34B1.47B256.45M271.19M1.04B275.91M198.47M1.01B

Cash Flow

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow22.80M27.70M36.90M34.80M41.80M35.70M57.00M61.20M52.20M66.84M77.38M64.14M61.76M53.26M60.51M17.28M73.40M41.65M39.45M185.01M203.08M211.83M164.35M56.65M91.57M142.60M123.52M260.35M186.33M109.89M390.46M200.85M486.97M262.16M337.86M
Investing Cash Flow2.10M44.00M-7.80M-104.70M-13.70M-40.10M-50.40M-307.10M-353.30M-34.40M74.37M87.41M-253.66M-2.34M213.24M336.24M-104.55M-349.32M1.14B25.84M218.95M10.03M-100.24M-83.98M-918.85M-313.35M-429.45M-204.78M-252.42M-1.20B-512.33M-883.11M-701.26M-1.00B-546.72M
Financing Cash Flow-13.70M-65.40M-34.70M84.70M-23.20M6.60M23.10M242.10M362.40M-76.22M-122.68M-180.83M193.67M-79.17M-265.83M-397.40M17.96M302.38M-940.68M-449.02M-378.36M-237.02M-81.00M19.83M832.00M177.50M334.98M30.01M30.57M1.13B110.85M669.73M219.85M699.08M213.16M
Capital Expenditure6.60M2.90M4.80M4.40M3.60M4.40M4.20M8.70M8.40M5.46M8.11M3.28M8.62M13.70M12.42M15.65M7.58M11.89M13.18M22.79M23.54M25.50M7.29M10.61M7.47M9.73M6.54M18.23M20.93M16.47M15.33M43.25M24.14M21.07M20.76M
Free Cash Flow16.20M24.80M32.10M30.40M38.20M31.30M52.80M52.50M43.80M61.38M69.27M60.86M53.14M39.56M48.09M1.64M65.83M29.77M26.27M162.23M179.54M186.33M157.06M46.05M84.10M132.87M116.99M242.12M165.40M93.42M375.13M157.59M462.83M241.08M317.10M
Dividends Paid7.50M8.30M9.40M11.80M13.50M16.30M20.30M21.40M25.60M27.90M28.40M27.47M26.59M26.35M27.67M25.31M24.84M25.44M22.60M23.59M35.31M67.80M61.43M34.85M39.07M39.13M41.18M79.66M89.10M89.69M87.32M86.61M87.16M89.54M94.65M
FCF to OCF71.05%89.53%86.99%87.36%91.39%87.68%92.63%85.78%83.91%91.83%89.52%94.89%86.05%74.28%79.47%9.46%89.68%71.46%66.59%87.68%88.41%87.96%95.56%81.27%91.85%93.18%94.71%93.00%88.77%85.02%96.07%78.46%95.04%91.96%93.86%
Dividend Paid to FCF46.30%33.47%29.28%38.82%35.34%52.08%38.45%40.76%58.45%45.46%41.00%45.14%50.03%66.60%57.54%1547.89%37.74%85.47%86.03%14.54%19.67%36.39%39.11%75.68%46.46%29.45%35.20%32.90%53.87%96.01%23.28%54.96%18.83%37.14%29.85%

Earnings

Report DateOct 15, 1995Jan 15, 1996Apr 15, 1996Jul 19, 1996Oct 16, 1996Feb 3, 1997Apr 16, 1997Sep 12, 1997Jan 5, 1998Apr 15, 1998Aug 19, 1998Nov 18, 1998Jan 15, 1999Apr 16, 1999Jul 15, 1999Oct 18, 1999Jan 18, 2000Apr 17, 2000Jul 17, 2000Oct 16, 2000Jan 23, 2001Apr 17, 2001Jul 17, 2001Oct 18, 2001Jan 18, 2002Apr 16, 2002Jul 16, 2002Oct 18, 2002Jan 17, 2003Apr 17, 2003Jul 21, 2003Oct 20, 2003Jan 20, 2004Apr 20, 2004Jul 20, 2004Oct 20, 2004Jan 20, 2005Apr 20, 2005Jul 22, 2005Nov 2, 2005Feb 10, 2006Apr 24, 2006Jul 28, 2006Oct 27, 2006Jan 26, 2007Apr 20, 2007Jul 25, 2007Oct 23, 2007Jan 29, 2008Apr 29, 2008Jul 29, 2008Oct 29, 2008Jan 28, 2009Apr 29, 2009Aug 3, 2009Nov 5, 2009Jan 26, 2010Apr 29, 2010Aug 3, 2010Nov 2, 2010Jan 26, 2011Apr 27, 2011Jul 28, 2011Oct 26, 2011Jan 25, 2012Apr 25, 2012Jul 24, 2012Oct 25, 2012Jan 29, 2013Apr 24, 2013Jul 25, 2013Oct 24, 2013Jan 30, 2014Apr 29, 2014Jul 24, 2014Oct 30, 2014Jan 29, 2015Apr 30, 2015Jul 30, 2015Oct 22, 2015Jan 21, 2016Apr 21, 2016Jul 21, 2016Oct 20, 2016Jan 19, 2017Apr 20, 2017Jul 25, 2017Oct 19, 2017Jan 18, 2018Apr 19, 2018Jul 19, 2018Oct 18, 2018Jan 23, 2019Apr 25, 2019Jul 18, 2019Oct 17, 2019Jan 23, 2020Apr 20, 2020Jul 23, 2020Oct 22, 2020Jan 28, 2021Apr 22, 2021Jul 22, 2021Oct 21, 2021Jan 27, 2022Apr 21, 2022Jul 21, 2022Oct 20, 2022Jan 26, 2023Apr 20, 2023Jul 20, 2023Oct 24, 2023Jan 25, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Jan 23, 2025Apr 24, 2025Jul 24, 2025Oct 23, 2025Jan 28, 2026Apr 23, 2026Jul 21, 2026Oct 22, 2026
EPS Estimate0.210.200.200.210.220.220.240.240.250.250.260.270.280.270.290.300.300.300.310.310.320.300.230.270.270.280.290.300.270.270.260.250.200.210.230.240.240.240.250.220.140.140.190.210.080.190.220.230.210.200.180.180.090.100.070.080.170.260.250.280.320.280.300.290.300.300.300.290.250.260.260.260.280.280.270.280.310.290.300.300.340.330.340.360.370.350.380.380.400.470.520.570.580.480.570.550.530.410.250.380.460.460.520.520.560.450.510.600.690.710.700.670.610.590.590.660.650.630.680.750.790.610.810.82
EPS Actual0.210.210.200.220.230.230.230.130.240.250.260.270.280.270.290.290.290.290.300.310.300.300.210.260.170.270.290.270.290.240.240.230.200.230.240.250.230.250.230.180.070.180.190.100.020.220.210.220.290.200.210.210.060.140.01-0.310.250.200.330.350.260.340.290.310.370.320.390.310.280.260.330.220.560.280.280.300.320.290.310.340.330.330.360.370.380.390.370.390.450.520.570.580.610.480.580.560.520.310.400.440.510.500.580.630.640.460.560.610.730.760.720.670.620.590.650.550.710.630.740.760.800.710.80-
Surprise0.00%5.00%0.00%4.76%4.55%4.55%-4.17%-45.83%-4.00%0.00%0.00%0.00%0.00%0.00%0.00%-3.33%-3.33%-3.33%-3.23%0.00%-6.25%0.00%-8.70%-3.70%-37.04%-3.57%0.00%-10.00%7.41%-11.11%-7.69%-8.00%0.00%9.52%4.35%4.17%-4.17%4.17%-8.00%-18.18%-50.00%28.57%0.00%-52.38%-75.00%15.79%-4.55%-4.35%38.10%0.00%16.67%16.67%-33.33%40.00%-85.71%-487.50%47.06%-23.08%32.00%25.00%-18.75%21.43%-3.33%6.90%23.33%6.67%30.00%6.90%12.00%0.00%26.92%-15.38%100.00%0.00%3.70%7.14%3.23%0.00%3.33%13.33%-2.94%0.00%5.88%2.78%2.70%11.43%-2.63%2.63%12.50%10.64%9.62%1.75%5.17%0.00%1.75%1.82%-1.89%-24.39%60.00%15.79%10.87%8.70%11.54%21.15%14.29%2.22%9.80%1.67%5.80%7.04%2.86%0.00%1.64%0.00%10.17%-16.67%9.23%0.00%8.82%1.33%1.27%16.39%-1.23%-
Timing-------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-market----------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap3.32B
Enterprise Value3.53B
Trailing P/E11.03
Forward P/E8.92
PEG Ratio1.12
Price / Sales3.48
Price / Book1.10
EPS2.86
Book Value28.46
Revenue (TTM)952.89M
Gross Profit (TTM)952.89M
Profit Margin29.93%
Operating Margin39.80%
Return on Equity10.29%
Return on Assets1.39%
Shares Outstanding105.17M
Shares Float103.53M
Beta0.92
Dividend Yield3.24%
Dividend Rate1.01
Payout Ratio32.90%

Analyst Ratings

Hold
Based on 6 analystsTarget 37.57
  • Strong Buy
    1
  • Hold
    5

Ownership Breakdown

Institutions
86.75%
Insiders
1.14%
Retail / Other
12.11%

Top Institutional Holders

  • BlackRock Inc
    15.20M15.43%
  • Dimensional Fund Advisors, Inc.
    6.65M6.75%
  • Vanguard Portfolio Management, LLC
    6.26M6.36%
  • State Street Corp
    5.53M5.61%
  • Delaware Management Holdings Inc
    5.48M5.56%
  • Vanguard Capital Management, LLC
    4.48M4.55%
  • Fort Washington Investment Advisors Inc
    3.09M3.14%
  • Geode Capital Management, LLC
    2.64M2.68%
  • Bahl & Gaynor Inc.
    1.90M1.93%
  • JPMorgan Chase & Co
    1.90M1.93%
  • Fuller & Thaler Asset Management Inc
    1.82M1.85%
  • Vaughan Nelson Scarbrgh & Mccullough LP
    1.64M1.67%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    6.32M6.02%
  • Vanguard MStar Total Stk Mkt Idx Invest
    3.18M3.03%
  • iShares Russell 2000 ETF
    2.70M2.58%
  • Vanguard Small Cap Index
    2.29M2.18%
  • Nomura Small Cap Value A
    1.90M1.81%
  • FullerThaler Behavioral Sm-Cp Eq R6
    1.81M1.72%
  • First Trust RBA Amer Indl RenaisTM ETF
    1.69M1.61%
  • Nomura Small Cap Core I
    1.68M1.60%

Dividends

20263×
0.26Sep 1, 20260.25Jun 1, 20260.25Mar 2, 2026
20254×
0.25Dec 1, 20250.25Sep 2, 20250.24Jun 2, 20250.24Mar 3, 2025
20244×
0.24Dec 2, 20240.24Aug 30, 20240.23Jun 3, 20240.23Feb 29, 2024
20234×
0.23Nov 30, 20230.23Aug 31, 20230.23May 31, 20230.23Feb 28, 2023
20224×
0.23Nov 30, 20220.23Aug 31, 20220.23May 31, 20220.23Feb 28, 2022
20214×
0.23Nov 30, 20210.23Aug 31, 20210.23May 28, 20210.23Feb 26, 2021
20201×
0.23Nov 30, 2020

Stock Splits

  • Mar 7, 2001105:100
  • Dec 1, 1999110:100
  • Dec 2, 199811:10
  • Jun 2, 19982:1
  • Sep 3, 199711:10
  • Oct 2, 199611:10
  • Dec 2, 19945:4
  • Jan 4, 19944:3
  • Oct 2, 19873:2
  • Oct 2, 19864:3