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First financial bancorp.FFBC.US Overview

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FFBC Recent Performance

-2.13%

First financial bancorp.

-0.79%

Avg of Sector

-0.21%

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FFBC Key Information

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FFBC Profile

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company accepts various deposit products, such as interest-bearing and noninterest-bearing accounts, time deposits, and cash management services for 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, or office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment; consumer loans comprising 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 commercial financing 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; and lease and equipment financing services. As of December 31, 2021, the company operated 139 full service banking centers, 29 of which are leased facilities. It operates 62 banking centers in Ohio, three banking centers in Illinois, 62 banking centers in Indiana, and 12 banking centers in Kentucky. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

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FFBC FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

FFBC Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.67
PE Ratio (TTM)
10.81
Forward PE
9.78
PS Ratio (TTM)
3.75
PB Ratio
1.13
Price-to-FCF
8.31
METRIC
VALUE
vs. INDUSTRY
Gross Margin
86.25%
Net Margin
26.95%
Revenue Growth (YoY)
30.04%
Profit Growth (YoY)
19.26%
3-Year Revenue Growth
21.25%
3-Year Profit Growth
10.21%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.67
PE Ratio (TTM)
10.81
Forward PE
9.78
PS Ratio (TTM)
3.75
PB Ratio
1.13
Price-to-FCF
8.31
Gross Margin
86.25%
Net Margin
26.95%
Revenue Growth (YoY)
30.04%
Profit Growth (YoY)
19.26%
3-Year Revenue Growth
21.25%
3-Year Profit Growth
10.21%
  • When is FFBC's latest earnings report released?

    The most recent financial report for First financial bancorp. (FFBC) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FFBC's short-term business performance and financial health. For the latest updates on FFBC's earnings releases, visit this page regularly.

  • Where does FFBC fall in the P/E River chart?

    According to historical valuation range analysis, First financial bancorp. (FFBC)'s current price-to-earnings (P/E) ratio is 9.71, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of FFBC?

    According to the latest financial report, First financial bancorp. (FFBC) reported an Operating Profit of 93.57M with an Operating Margin of 25.68% this period, representing a growth of 47.11% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is FFBC's revenue growth?

    In the latest financial report, First financial bancorp. (FFBC) announced revenue of 364.32M, with a Year-Over-Year growth rate of 90.07%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does FFBC have?

    As of the end of the reporting period, First financial bancorp. (FFBC) had total debt of 930.18M, with a debt ratio of 0.04. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does FFBC have?

    At the end of the period, First financial bancorp. (FFBC) held Total Cash and Cash Equivalents of 170.64M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does FFBC go with three margins increasing?

    In the latest report, First financial bancorp. (FFBC) achieved the “three margins increasing” benchmark, with a gross margin of 72.18%%, operating margin of 25.68%%, and net margin of 20.43%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FFBC's profit trajectory and future growth potential.

  • Is FFBC's EPS continuing to grow?

    According to the past four quarterly reports, First financial bancorp. (FFBC)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.72. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of FFBC?

    First financial bancorp. (FFBC)'s Free Cash Flow (FCF) for the period is 114.9M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 94.58% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of FFBC?

    The latest valuation data shows First financial bancorp. (FFBC) has a Price-To-Earnings (PE) ratio of 9.71 and a Price/Earnings-To-Growth (PEG) ratio of 0.9. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.