Symbols / FFBC Stock $29.53 -1.93% First Financial Bancorp.

Financial Services • Banks - Regional • United States • NMS
FFBC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Archie M. Brown Jr.
Exch · Country NMS · United States
Market Cap 3.10B
Enterprise Value 3.03B
Income 278.76M
Sales 917.19M
FCF (ttm) —
Book/sh 28.02
Cash/sh 15.79
Employees 2,319
Insider 10d —
IPO Dec 21, 1983
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 34.98%
P/E 10.43
Forward P/E 8.62
PEG 1.12
P/S 3.38
P/B 1.05
P/C —
EV/EBITDA —
EV/Sales 3.30
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.83
EPS next Y 3.43
EPS Growth 31.50%
Revenue Growth 32.30%
EPS Gr Q/Q 45.10%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 1.35%
ROE 10.24%
ROIC —
Gross Margin 0.00%
Oper. Margin 37.32%
Profit Margin 30.39%
Shs Outstand 104.93M
Shs Float 103.71M
Insider Own 1.00%
Instit Own 80.58%
Short Float 4.39%
Short Ratio 4.42
Short Interest 3.96M
52W High 31.38
vs 52W High -5.90%
52W Low 22.93
vs 52W Low 28.78%
Beta 0.94
Impl. Vol. 49.12%
Rel Volume 0.19
Avg Volume 849.27K
Volume 159.49K
Target (mean) $33.43
Tgt Median $34.00
Tgt Low $30.00
Tgt High $37.00
# Analysts 7
Recom Buy
Prev Close $30.11
Price $29.53
Change -1.93%
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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$33.43
Mean price target
2. Current target
$29.53
Latest analyst target
3. DCF / Fair value
$42.45
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$29.53
Low
$30.00
High
$37.00
Mean
$33.43

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-27 main RBC Capital Sector Perform → Sector Perform $32
2026-04-27 main Truist Securities Hold → Hold $33
2026-02-02 main Truist Securities Hold → Hold $30
2026-01-30 main RBC Capital Sector Perform → Sector Perform $30
2026-01-30 main Keefe, Bruyette & Woods Market Perform → Market Perform $32
2025-10-27 reit Raymond James Outperform → Outperform $28
2025-10-03 main Truist Securities Hold → Hold $29
2025-08-19 init Hovde Group — → Outperform —
2025-07-28 main RBC Capital Sector Perform → Sector Perform $28
2025-06-27 reit Stephens & Co. Overweight → Overweight $29
2025-06-25 main Keefe, Bruyette & Woods Market Perform → Market Perform $32
2025-06-25 reit RBC Capital Sector Perform → Sector Perform $27
2025-04-28 main RBC Capital Sector Perform → Sector Perform $27
2025-04-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $30
2025-01-27 reit RBC Capital Sector Perform → Sector Perform $30
2025-01-27 main Keefe, Bruyette & Woods Market Perform → Market Perform $32
2025-01-24 reit Stephens & Co. Overweight → Overweight $33
2024-12-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $31
2024-07-29 main RBC Capital Sector Perform → Sector Perform $29
2024-07-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $27
News
RSS: Latest FFBC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-01 DAVIS CLAUDE E Chairman of the Board — 26,123 $30.45 $795,445
2026-04-29 ANDERSON JAMES M Chief Financial Officer — 4,263 $30.00 $127,890
2026-04-28 ANDERSON JAMES M Chief Financial Officer — 275 $0.00 $0
2026-04-10 BROWN ARCHIE M JR Chief Executive Officer — 12,000 $0.00 $0
2026-03-31 RAHE MARIBETH S Director — 560 $27.88 $15,613
2026-03-31 ARVIA ANNE L Director — 560 $27.88 $15,613
2026-03-16 SHANK JAMES R Officer — 3,420 $27.10 $92,682
2026-03-04 DENNEN RICHARD S Officer — 16,492 $0.00 $0
2026-03-04 WOODS KAREN BALL General Counsel — 13,554 $0.00 $0
2026-03-04 HARRIS GREGORY A Officer — 10,112 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
899.48
+7.65%
835.58
-0.55%
840.19
+18.54%
708.78
Operating Revenue
899.48
+7.65%
835.58
-0.55%
840.19
+18.54%
708.78
Selling General And Administration
390.96
+5.97%
368.94
+6.38%
346.83
+13.46%
305.67
Selling And Marketing Expense
10.17
+12.67%
9.03
-6.44%
9.65
+10.33%
8.74
General And Administrative Expense
380.79
+5.80%
359.92
+6.74%
337.18
+13.56%
296.93
Salaries And Wages
315.88
+3.78%
304.39
+3.98%
292.73
+8.67%
269.37
Other Gand A
—
—
—
—
Reconciled Depreciation
39.82
+3.66%
38.42
+1.64%
37.80
-2.60%
38.81
Total Unusual Items
—
—
—
0.00
Total Unusual Items Excluding Goodwill
—
—
—
0.00
Special Income Charges
—
—
—
0.00
Net Income
255.60
+11.70%
228.83
-10.57%
255.86
+17.58%
217.61
Pretax Income
321.27
+19.73%
268.32
-15.78%
318.60
+31.80%
241.72
Net Interest Income
642.05
+4.91%
612.01
-2.51%
627.77
+20.92%
519.14
Interest Expense
359.86
-7.75%
390.08
+41.73%
275.23
+317.89%
65.86
Interest Income
1,001.90
-0.02%
1,002.10
+10.97%
903.00
+54.36%
585.01
Gain On Sale Of Security
-22.32
+1.11%
-22.57
-2045.91%
-1.05
+12.91%
-1.21
Tax Provision
65.67
+66.27%
39.49
-37.04%
62.73
+160.19%
24.11
Tax Rate For Calcs
0.00
+38.78%
0.00
-25.38%
0.00
+97.00%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
255.60
+11.70%
228.83
-10.57%
255.86
+17.58%
217.61
Net Income From Continuing Operation Net Minority Interest
255.60
+11.70%
228.83
-10.57%
255.86
+17.58%
217.61
Net Income From Continuing And Discontinued Operation
255.60
+11.70%
228.83
-10.57%
255.86
+17.58%
217.61
Net Income Continuous Operations
255.60
+11.70%
228.83
-10.57%
255.86
+17.58%
217.61
Normalized Income
255.60
+11.70%
228.83
-10.57%
255.86
+17.58%
217.61
Net Income Common Stockholders
255.60
+11.70%
228.83
-10.57%
255.86
+17.58%
217.61
Diluted EPS
2.66
+10.83%
2.40
-10.78%
2.69
+16.96%
2.30
Basic EPS
2.68
+10.74%
2.42
-11.03%
2.72
+16.74%
2.33
Basic Average Shares
95.28
+0.93%
94.40
+0.50%
93.94
+0.44%
93.53
Diluted Average Shares
96.16
+0.79%
95.41
+0.33%
95.10
+0.54%
94.59
Diluted NI Availto Com Stockholders
255.60
+11.70%
228.83
-10.57%
255.86
+17.58%
217.61
Amortization
11.00
+15.98%
9.49
-8.80%
10.40
-7.00%
11.19
Amortization Of Intangibles Income Statement
11.00
+15.98%
9.49
-8.80%
10.40
-7.00%
11.19
Depreciation Amortization Depletion Income Statement
11.00
+15.98%
9.49
-8.80%
10.40
-7.00%
11.19
Depreciation And Amortization In Income Statement
11.00
+15.98%
9.49
-8.80%
10.40
-7.00%
11.19
Insurance And Claims
11.20
-0.04%
11.21
-6.19%
11.95
+66.08%
7.19
Occupancy And Equipment
38.96
+3.95%
37.48
+2.58%
36.53
+3.11%
35.43
Other Non Interest Expense
84.79
-5.37%
89.60
+19.79%
74.80
-19.85%
93.33
Professional Expense And Contract Services Expense
14.83
+5.30%
14.09
+41.92%
9.93
+1.97%
9.73
Rent And Landing Fees
53.70
+21.18%
44.32
+36.36%
32.50
+59.60%
20.36
Rent Expense Supplemental
53.70
+21.18%
44.32
+36.36%
32.50
+59.60%
20.36
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
21,129.38
+13.78%
18,570.26
+5.92%
17,532.90
+3.11%
17,003.32
Cash And Cash Equivalents
775.89
-14.22%
904.49
-10.09%
1,006.02
+68.88%
595.68
Cash Financial
178.55
+2.46%
174.26
-18.21%
213.06
+2.68%
207.50
Other Short Term Investments
3,223.38
+1.24%
3,183.78
+5.38%
3,021.13
-11.39%
3,409.65
Receivables
623.37
+6.56%
584.97
+26.49%
462.45
+98.86%
232.55
Accounts Receivable
—
—
—
1,220.65
Other Receivables
623.37
+6.56%
584.97
+26.49%
462.45
+98.86%
232.55
Net PPE
418.76
+2.87%
407.08
+16.99%
347.95
+23.91%
280.82
Gross PPE
565.53
+4.22%
542.65
+13.70%
477.26
+17.44%
406.39
Accumulated Depreciation
-146.76
-8.26%
-135.57
-4.84%
-129.31
-2.98%
-125.57
Land And Improvements
45.79
-3.95%
47.67
-1.86%
48.58
-0.90%
49.02
Buildings And Improvements
176.28
+5.55%
167.01
+2.83%
162.42
+3.05%
157.62
Machinery Furniture Equipment
82.70
+6.90%
77.36
+6.59%
72.58
+3.90%
69.86
Construction In Progress
14.01
+46.95%
9.53
+13.30%
8.41
+49.06%
5.64
Other Properties
214.00
+2.34%
209.12
+36.49%
153.21
+67.01%
91.74
Leases
32.75
+2.48%
31.95
-0.33%
32.06
-1.40%
32.52
Goodwill And Other Intangible Assets
1,218.36
+12.09%
1,086.95
-0.26%
1,089.82
-0.51%
1,095.43
Goodwill
1,099.52
+9.12%
1,007.66
+0.18%
1,005.87
+0.44%
1,001.51
Other Intangible Assets
118.83
+49.87%
79.29
-5.55%
83.95
-10.62%
93.92
Investments And Advances
4,160.04
+23.25%
3,375.33
+4.45%
3,231.39
-11.15%
3,636.83
Total Liabilities Net Minority Interest
18,360.16
+13.81%
16,132.22
+5.68%
15,264.93
+2.03%
14,961.94
Payables And Accrued Expenses
—
—
—
626.94
Payables
—
—
—
626.94
Accounts Payable
—
—
—
626.94
Current Debt And Capital Lease Obligation
675.33
-10.61%
755.45
-19.45%
937.81
-27.14%
1,287.16
Current Debt
675.33
-10.61%
755.45
-19.45%
937.81
-27.14%
1,287.16
Other Current Borrowings
675.33
-10.61%
755.45
-19.45%
937.81
-27.14%
1,287.16
Long Term Debt And Capital Lease Obligation
514.05
+47.92%
347.51
+0.99%
344.12
-0.74%
346.67
Long Term Debt
512.90
+48.24%
345.99
+1.02%
342.50
-0.72%
344.97
Long Term Capital Lease Obligation
1.15
-24.41%
1.52
-5.65%
1.61
-5.12%
1.70
Stockholders Equity
2,769.22
+13.58%
2,438.04
+7.50%
2,267.97
+11.10%
2,041.37
Common Stock Equity
2,769.22
+13.58%
2,438.04
+7.50%
2,267.97
+11.10%
2,041.37
Capital Stock
1,647.62
+0.34%
1,642.06
+0.19%
1,638.97
+0.27%
1,634.61
Common Stock
1,647.62
+0.34%
1,642.06
+0.19%
1,638.97
+0.27%
1,634.61
Share Issued
104.27
-0.01%
104.28
+0.00%
104.28
+0.00%
104.28
Ordinary Shares Number
98.52
+3.17%
95.49
+0.37%
95.14
+0.26%
94.89
Treasury Shares Number
5.75
-34.54%
8.79
-3.87%
9.14
-2.66%
9.39
Retained Earnings
1,437.29
+12.61%
1,276.33
+12.28%
1,136.72
+17.40%
968.24
Gains Losses Not Affecting Retained Earnings
-189.94
+34.46%
-289.80
+6.46%
-309.82
+13.62%
-358.66
Treasury Stock
125.75
-34.01%
190.54
-3.72%
197.90
-2.42%
202.81
Other Equity Adjustments
-189.94
+34.46%
-289.80
+6.46%
-309.82
+13.62%
-358.66
Total Equity Gross Minority Interest
2,769.22
+13.58%
2,438.04
+7.50%
2,267.97
+11.10%
2,041.37
Total Capitalization
3,282.12
+17.89%
2,784.03
+6.65%
2,610.48
+9.39%
2,386.35
Invested Capital
3,957.45
+11.81%
3,539.48
-0.25%
3,548.29
-3.41%
3,673.50
Total Debt
1,189.38
+7.84%
1,102.96
-13.96%
1,281.93
-21.54%
1,633.83
Net Debt
412.34
+109.36%
196.96
-28.20%
274.30
-73.53%
1,036.45
Capital Lease Obligations
1.15
-24.41%
1.52
-5.65%
1.61
-5.12%
1.70
Net Tangible Assets
1,550.86
+14.79%
1,351.09
+14.68%
1,178.16
+24.55%
945.95
Tangible Book Value
1,550.86
+14.79%
1,351.09
+14.68%
1,178.16
+24.55%
945.95
Available For Sale Securities
878.83
+666.88%
114.60
-11.81%
129.94
-9.23%
143.16
Cash Cash Equivalents And Federal Funds Sold
775.89
-14.22%
904.49
-10.09%
1,006.02
+68.88%
595.68
Held To Maturity Securities
57.83
-24.86%
76.96
-4.18%
80.32
-4.40%
84.02
Line Of Credit
—
—
—
0.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
337.86
+28.88%
262.16
-46.17%
486.97
+142.46%
200.85
Cash Flow From Continuing Operating Activities
337.86
+28.88%
262.16
-46.17%
486.97
+142.46%
200.85
Net Income From Continuing Operations
255.60
+11.70%
228.83
-10.57%
255.86
+17.58%
217.61
Depreciation Amortization Depletion
39.82
+3.66%
38.42
+1.64%
37.80
-2.60%
38.81
Depreciation
39.82
+3.66%
38.42
+1.64%
37.80
-2.60%
38.81
Depreciation And Amortization
39.82
+3.66%
38.42
+1.64%
37.80
-2.60%
38.81
Other Non Cash Items
6.90
+435.61%
1.29
+130.12%
-4.28
-20.12%
-3.56
Pension And Employee Benefit Expense
8.77
+44.32%
6.08
+72.92%
3.52
+75.57%
2.00
Stock Based Compensation
15.59
-0.66%
15.69
+5.34%
14.90
+11.35%
13.38
Deferred Tax
18.91
-10.82%
21.20
+58.64%
13.37
+481.31%
-3.50
Deferred Income Tax
18.91
-10.82%
21.20
+58.64%
13.37
+481.31%
-3.50
Operating Gains Losses
6.21
-42.14%
10.73
+224.10%
-8.65
+26.93%
-11.84
Gain Loss On Investment Securities
22.32
-1.11%
22.57
+2045.91%
1.05
-12.91%
1.21
Change In Working Capital
-39.58
+62.21%
-104.74
-182.03%
127.68
+271.20%
-74.58
Change In Receivables
2.54
-48.77%
4.96
+151.82%
-9.57
+50.00%
-19.13
Changes In Account Receivables
2.54
-48.77%
4.96
+151.82%
-9.57
+50.00%
-19.13
Change In Payables And Accrued Expense
-5.47
+32.00%
-8.04
-119.96%
40.30
+505.91%
6.65
Change In Payable
-5.47
+32.00%
-8.04
-119.96%
40.30
+505.91%
6.65
Change In Account Payable
-5.47
+32.00%
-8.04
-119.96%
40.30
+505.91%
6.65
Change In Other Working Capital
—
—
—
—
Change In Other Current Assets
-43.87
+74.57%
-172.49
-208.18%
159.45
+170.43%
-226.40
Change In Other Current Liabilities
7.22
-89.81%
70.84
+213.33%
-62.51
-138.04%
164.30
Investing Cash Flow
-546.72
+45.33%
-1,000.03
-42.60%
-701.26
+20.59%
-883.11
Cash Flow From Continuing Investing Activities
-546.72
+45.33%
-1,000.03
-42.60%
-701.26
+20.59%
-883.11
Net PPE Purchase And Sale
-20.76
+1.51%
-21.07
+12.68%
-24.14
-75.17%
-13.78
Purchase Of PPE
-20.76
+1.51%
-21.07
+12.68%
-24.14
-75.17%
-13.78
Capital Expenditure
-20.76
+1.51%
-21.07
+12.68%
-24.14
-75.17%
-13.78
Net Investment Purchase And Sale
-370.52
-197.14%
-124.69
-127.49%
453.58
+44.66%
313.56
Purchase Of Investment
-1,869.04
-81.53%
-1,029.58
-810.84%
-113.04
+83.44%
-682.48
Sale Of Investment
1,498.52
+65.60%
904.89
+59.70%
566.62
-43.11%
996.03
Net Business Purchase And Sale
-187.19
-93.20%
-96.89
-2640.79%
-3.54
0.00
Purchase Of Business
—
—
—
—
Net Other Investing Changes
-3.27
+93.58%
-50.89
+9.99%
-56.54
-152.13%
-22.42
Financing Cash Flow
213.16
-69.51%
699.08
+217.97%
219.85
-67.17%
669.73
Cash Flow From Continuing Financing Activities
213.16
-69.51%
699.08
+217.97%
219.85
-67.17%
669.73
Net Issuance Payments Of Debt
9.96
+105.54%
-179.72
+49.04%
-352.65
-138.05%
926.93
Issuance Of Debt
300.00
+11250.74%
2.64
0.00
0.00
Repayment Of Debt
-131.49
—
-3.31
+94.82%
-64.02
Long Term Debt Issuance
300.00
+11250.74%
2.64
0.00
0.00
Long Term Debt Payments
-131.49
—
-3.31
+94.82%
-64.02
Net Long Term Debt Issuance
168.51
+6275.82%
2.64
+179.78%
-3.31
+94.82%
-64.02
Net Short Term Debt Issuance
-158.55
+13.06%
-182.36
+47.80%
-349.34
-135.25%
990.95
Net Common Stock Issuance
—
—
0.00
0.00
Common Stock Payments
—
—
0.00
0.00
Common Stock Dividend Paid
-94.65
-5.70%
-89.54
-2.74%
-87.16
-0.64%
-86.61
Cash Dividends Paid
-94.65
-5.70%
-89.54
-2.74%
-87.16
-0.64%
-86.61
Repurchase Of Capital Stock
—
—
0.00
0.00
Proceeds From Stock Option Exercised
0.00
0.00
-100.00%
0.05
-72.88%
0.18
Net Other Financing Charges
-4.34
—
—
—
Changes In Cash
4.29
+111.07%
-38.80
-798.11%
5.56
+144.36%
-12.53
Beginning Cash Position
174.26
-18.21%
213.06
+2.68%
207.50
-5.69%
220.03
End Cash Position
178.55
+2.46%
174.26
-18.21%
213.06
+2.68%
207.50
Free Cash Flow
317.10
+31.53%
241.08
-47.91%
462.83
+147.41%
187.07
Interest Paid Supplemental Data
364.96
-8.33%
398.13
+69.47%
234.93
+294.76%
59.51
Income Tax Paid Supplemental Data
9.21
-66.53%
27.52
+173.15%
10.08
+76.90%
5.70
Amortization Of Securities
-3.26
-206.46%
3.07
-57.36%
7.19
-43.91%
12.82
Sale Of Business
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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