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FFBC

First Financial Bancorp.

FFBC

First Financial Bancorp. • NASDAQ
$24.88 ▼ -0.72% (-0.18)
Market Cap $2.36 B
52w High $30.36
52w Low $21.10
Dividend Yield 0.97%
P/E 9.21
Volume 217.61K
Outstanding Shares 94.72M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $344.571M ▲ $134.289M ▲ $57.239M ▼ 16.612% ▼ $0.76 ▲ $90.677M ▼
Q2-2025 $313.963M ▲ $128.671M ▲ $69.996M ▲ 22.294% ▲ $0.74 ▲ $95.213M ▲
Q1-2025 $291.502M ▼ $128.076M ▼ $51.293M ▼ 17.596% ▼ $0.54 ▼ $70.933M ▼
Q4-2024 $321.425M ▲ $147.907M ▲ $64.885M ▲ 20.187% ▲ $0.69 ▲ $82.494M ▲
Q3-2024 $302.82M $125.759M $52.451M 17.321% $0.56 $72.543M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $4.162B ▲ $18.555B ▼ $15.923B ▼ $2.632B ▲
Q2-2025 $3.481B ▲ $18.634B ▲ $16.076B ▲ $2.558B ▲
Q1-2025 $3.389B ▲ $18.455B ▼ $15.954B ▼ $2.501B ▲
Q4-2024 $3.364B ▼ $18.57B ▲ $16.132B ▲ $2.438B ▼
Q3-2024 $4.008B $18.146B $15.696B $2.45B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $71.923M ▲ $89.807M ▲ $47.73M ▲ $-173.065M ▼ $-35.528M ▼ $98.504M ▲
Q2-2025 $69.996M ▲ $69.786M ▲ $-83.478M ▼ $33.269M ▲ $19.577M ▲ $64.839M ▲
Q1-2025 $51.293M ▼ $56.117M ▼ $72.619M ▲ $-112.384M ▼ $16.352M ▲ $52.367M ▼
Q4-2024 $64.885M ▲ $74.058M ▼ $-396.178M ▼ $305.76M ▲ $-16.36M ▼ $67.059M ▼
Q3-2024 $52.451M $88.111M $7.719M $-99.006M $-3.176M $84.443M

Five-Year Company Overview

Income Statement

Income Statement Over the past five years, First Financial Bancorp has grown its revenue at a solid pace while keeping profitability relatively steady. Core banking income has trended upward, and profit levels have generally improved compared with the early part of the period. Earnings did ease a bit from the prior year, but they still sit comfortably above where they were a few years ago. Overall, this looks like a bank that has managed to grow while maintaining decent efficiency and credit quality, though it is not immune to margin pressure from interest-rate swings and competition for deposits.

Balance Sheet

Balance Sheet The balance sheet shows a gradually expanding bank with rising total assets and a larger cash cushion than it had several years ago. Debt increased over time but has been pulled back from its peak, while shareholder equity has inched higher, suggesting a reasonably solid capital base. The picture is of a traditionally funded regional bank that uses some borrowings but does not appear excessively leveraged. Key risks to watch are loan quality in a changing economy and how funding costs evolve as deposit competition remains intense.

Cash Flow

Cash Flow Cash generation from day‑to‑day banking operations has been consistently positive but somewhat up and down from year to year, which is common for banks. Free cash flow has stayed positive even after investment in the business, helped by relatively modest spending on physical infrastructure and technology. One recent year stands out as particularly strong for cash generation, with the most recent period still better than earlier years in the record. Overall, the bank appears to fund its growth and shareholder returns from internal cash, not just from borrowing.

Competitive Edge

Competitive Edge First Financial operates as a regional bank with a “community bank plus technology” model. Its strengths include strong local relationships, a focus on small and mid‑sized businesses, and recognized expertise in agricultural lending and franchise finance—niches that are harder for giant banks or generic fintechs to replicate. The planned acquisitions in markets like Chicago should broaden its footprint and deepen capabilities in commercial and wealth management. On the other hand, it competes against much larger national banks, low‑cost online banks, and new digital lenders, all while navigating the usual banking pressures around interest rates, credit cycles, and regulation.

Innovation and R&D

Innovation and R&D Rather than a big formal R&D budget, FFBC invests steadily in practical banking innovation. It has built out a full digital banking suite, moved more infrastructure to the cloud, and uses data and AI—through a partnership with Upstart—for consumer lending and customer insights. For businesses, it offers digital payment, invoicing, and merchant tools, and it augments traditional banking with specialized lending and a modern wealth management platform. The opportunity is to attract younger and tech‑oriented customers while keeping the trust of long‑time community clients. The main risks are execution—making sure new technology is well‑integrated and secure—and credit risk management when using AI‑driven underwriting.

Summary

First Financial Bancorp comes across as a steady, moderately growing regional bank that has combined traditional community banking with meaningful digital upgrades and targeted acquisitions. Profitability has improved over time, the balance sheet looks reasonably sturdy, and cash flow supports ongoing investment and shareholder returns. Its differentiated strengths lie in niche areas like agricultural and franchise lending and in its hybrid approach to technology and local service. At the same time, it faces the familiar risks of the sector: interest‑rate volatility, credit quality in a slowing economy, integration of acquired banks, and rising competition from both large banks and fintechs. Overall, the story is one of cautious growth, incremental innovation, and a focus on disciplined risk management rather than aggressive, high‑beta expansion.

NEWS

November 6, 2025 · 7:12 PM UTC

FIRST FINANCIAL BANCORP. ANNOUNCES PRICING OF SUBORDINATED NOTES OFFERING

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November 4, 2025 · 4:06 PM UTC

BankFinancial Investor Alert By The Former Attorney General Of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of BankFinancial Corporation - BFIN

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November 3, 2025 · 8:30 AM UTC

First Financial Bancorp. Announces the Completion of its Acquisition of Westfield Bancorp, Inc., and Westfield Bank, FSB

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October 28, 2025 · 4:15 PM UTC

First Financial Bancorp Declares Quarterly Cash Dividend

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October 23, 2025 · 4:15 PM UTC

First Financial Bancorp Announces Third Quarter and Year to Date 2025 Financial Results

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