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First Financial Bancorp FFBC

US equityMarket cap rank #2409
$31.51 −$0.36 (-1.13%)
Market closed · Oct 5, 10:20 pm ET · Last extended-hours $31.51 0.00%
Open$31.81
Prev close$31.87
Day range$31.35 – $31.85
Volume791.4K
Market cap$3.31B
P/E (TTM)11.1
Dividend yield3.17%

Fundamentals

Latest reported quarter: ANNUAL, ended Dec 2025

Revenue$899.48M+7.6% YoY
Net profit$255.61M+11.7% YoY
Diluted EPS$2.66+10.8% YoY

Annual revenue

$645.6MFY20$623.6MFY21$708.8MFY22$840.2MFY23$835.6MFY24$899.5MFY25

Profitability & balance sheet

Net margin28.6%
Return on equity10.3%
Return on assets1.4%
Free cash flow / sales75.9%

Income statement

Line item 2025 ANNUAL 2024 ANNUAL 2023 ANNUAL 2022 ANNUAL 2021 ANNUAL
Total Operating Revenue $899.48M $835.58M $840.19M $708.78M $623.62M
Net Interest Income $642.05M $612.01M $627.77M $519.14M $452.12M
-Interest Income $1.00B $1.00B $903.00M $585.01M $483.22M
-Interest Expense $359.86M $390.09M $275.23M $65.86M $31.10M
Non-Interest Income $257.44M $223.57M $212.42M $189.64M $171.51M
-Fees and Commissions $85.96M $77.10M $72.56M $71.39M $77.88M
-Foreign Exchange Trading Gains $65.67M $56.06M $54.05M $54.97M $44.79M
-Other Non-Interest Income $103.25M $95.06M $73.64M $49.45M $15.87M
-Gain Loss on Sale of Assets $2.56M -$4.66M $12.17M $13.84M $32.96M
Credit Losses Provision -$37.67M -$47.66M -$43.11M -$11.71M $18.12M
Non-Interest Expense $540.55M $519.60M $478.49M $455.35M $400.81M
Occupancy and Equipment $38.96M $37.48M $36.53M $35.43M $35.96M
Professional Expense and Contract Services Expense $14.83M $14.09M $9.93M $9.73M $11.68M
Selling and Admin Expenses $390.96M $368.94M $346.83M $305.67M $259.54M
-Selling & Marketing Expense $10.17M $9.03M $9.65M $8.74M $7.98M
-General & Admin Expense $380.79M $359.92M $337.18M $296.93M $251.55M
Depreciation & Amortization & Depletion $11.00M $9.49M $10.40M $11.19M $9.84M
-Depreciation & Amortization $11.00M $9.49M $10.40M $11.19M $9.84M
Other Non-Interest Expenses $84.79M $89.60M $74.80M $93.33M $83.80M
Pretax Profit $321.27M $268.32M $318.60M $241.72M $240.93M
Tax $65.67M $39.49M $62.73M $24.11M $35.77M
Net Profit $255.61M $228.83M $255.86M $217.61M $205.16M
Profit from Continuing Operations $255.61M $228.83M $255.86M $217.61M $205.16M
Net Income to Parent Company $255.61M $228.83M $255.86M $217.61M $205.16M
Net Income to Common Stockholders $255.61M $228.83M $255.86M $217.61M $205.16M
Basic EPS $2.68 $2.42 $2.72 $2.33 $2.16
Diluted EPS $2.66 $2.40 $2.69 $2.30 $2.14
Dividend Per Share $0.98 $0.94 $0.92 $0.92 $0.92

Cash flow

Line item 2025 ANNUAL 2024 ANNUAL 2023 ANNUAL 2022 ANNUAL 2021 ANNUAL
Operating Cash Flow $337.86M $262.16M $486.97M $200.85M $388.16M
Net cash flow from continuing operations $337.86M $262.16M $486.97M $200.85M $388.16M
Net Income from Continuing Operations $255.61M $228.83M $255.86M $217.61M $205.16M
Gain/Loss from Continuing Operations $6.21M $10.74M -$8.65M -$11.84M -$29.60M
Depreciation & Depletion & Amortization $39.82M $38.42M $37.80M $38.81M $39.56M
Deferred Tax $18.91M $21.20M $13.37M -$3.51M $12.09M
Other Non-Cash Items $6.90M $1.29M -$4.28M -$3.56M $21.89M
Change in Working Capital -$39.58M -$104.74M $127.68M -$74.58M $118.56M
-Change in Receivables $2.54M $4.96M -$9.57M -$19.13M $6.46M
-Change in Payables and Accrued Expense -$5.47M -$8.04M $40.31M $6.65M -$1.89M
-Change in Other Current Assets -$43.87M -$172.49M $159.45M -$226.40M $138.23M
-Change in Other Current Liabilities $7.22M $70.84M -$62.51M $164.30M -$24.24M
Net cash flow from investing -$546.72M -$1.00B -$701.27M -$883.11M -$510.03M
Net Cash Flow from Continuing Investing Activities -$546.72M -$1.00B -$701.27M -$883.11M -$510.03M
Proceeds Payment in Interest Bearing Deposits in Bank $132.89M $62.73M -$404.78M -$173.37M -$194.51M
Net PPE Purchase and Sale -$20.76M -$21.08M -$24.14M -$13.78M -$15.33M
Net Business Purchase and Sale -$187.19M -$96.89M -$3.54M $0.00 -$109.02M
Net Investment Purchase and Sale -$370.52M -$124.70M $453.58M $313.56M -$839.02M
Net Income from Loans -$97.88M -$769.22M -$665.86M -$987.09M $644.28M
Net Other Investing Changes -$3.27M -$50.89M -$56.54M -$22.42M $3.58M
Financing Cash Flow $213.16M $699.08M $219.85M $669.73M $110.85M
Net Cash Flow from Continuing Financing Activities $213.16M $699.08M $219.85M $669.73M $110.85M
Increase/Decrease in Deposit $302.18M $968.34M $659.62M -$170.78M $639.95M
Net Issuance Payments of Debt $9.96M -$179.72M -$352.66M $926.94M -$333.77M
Cash Dividends Paid -$94.65M -$89.54M -$87.16M -$86.61M -$87.32M
Proceeds from Stock Option Exercised $0.00 $0.00 $48,000.00 $177,000.00 $64,000.00
Net Other Financing Activities -$4.34M – – – –
Ending Cash Balance $178.55M $174.26M $213.06M $207.50M $220.03M
Net Change in Cash $4.30M -$38.80M $5.56M -$12.53M -$11.02M
Beginning Cash Balance $174.26M $213.06M $207.50M $220.03M $231.05M
Free Cash Flow $317.10M $241.08M $462.83M $187.07M $372.82M
Net Common Stock Issuance – – – – -$108.08M

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