First Financial Bancorp.

First Financial Bancorp.

FFBCยทNASDAQ

$29.77

-0.034%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$3.12B
EPS2.6900
P/E Ratio11.07
Earnings Date07/23/2026
3Y+68.0%
5Y+212.0%
10Y+137.0%
3Y-38.0%
5Y-55.0%
10Y+74.0%
3Y-68.0%
5Y-81.0%
10Y+20.0%
FFBC

First Financial Bancorp. Cash Conversion Engine

FFBC ยท NASDAQ
Net Income255.60M
Depreciation & Amortization39.82M
Stock-Based Compensation15.59M
Change in Working Capital-39.58M
Others47.52M
Capital Expenditures-20.76M
Free Cash Flow317.10M

Cash Flow Quality Analysis

FCF Conversion Rate

124.1%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

6.1%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+31.5%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$39.58M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

First Financial Bancorp. Cash Flow Statement

FFBC โ€ข NASDAQ

First Financial Bancorp. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
255.6M
228.8M
255.9M
217.6M
205.2M
155.8M
198.1M
172.6M
96.8M
88.5M
75.1M
65M
48.3M
67.3M
66.7M
59.3M
221.3M
23M
35.7M
21.3M
39.8M
38.4M
37.8M
38.8M
39.6M
41.2M
28.1M
24.2M
12.6M
13M
13.3M
12.8M
14.3M
15.8M
12M
11M
0.0
6.7M
8.1M
8.5M
18.9M
21.2M
13.4M
-3.5M
12.1M
-8.4M
12.6M
6.3M
-4.5M
346K
4.2M
-22.4M
-25.3M
-14.1M
-14.5M
-11.5M
116.4M
-4.2M
-3.3M
14.4M
15.6M
15.7M
14.9M
13.4M
9.6M
7.7M
8M
6.2M
5.4M
5.4M
4M
4M
3.8M
4.2M
3.9M
3.1M
2.8M
2.4M
0.0
0.0
47.5M
62.7M
37.4M
9.1M
3.2M
41.8M
33.6M
30.2M
12.4M
24.7M
3.7M
2.8M
29.1M
63M
89.1M
14.8M
-297.6M
18.6M
23.1M
-25.5M
(9.2M)
(27.5M)
(10.1M)
(5.7M)
(17.7M)
(32.6M)
(27.5M)
(16M)
(38.3M)
(37.6M)
(31.2M)
(61.2M)
(36.3M)
(54.7M)
(60.4M)
(45.7M)
(16.5M)
(15.1M)
(0.0)
(0.0)
-39.6M
-104.7M
127.7M
-74.6M
118.6M
-129.8M
-94M
20.9M
696K
10.6M
-8.7M
-5.5M
94.1M
75.6M
45.8M
108.4M
-3.5M
-4.8M
9.9M
-1.3M
337.9M
262.2M
487M
200.8M
388.2M
108.4M
186.3M
260.3M
123.5M
142.6M
91.6M
56.7M
164.4M
211.8M
203.1M
185M
39.5M
41.7M
73.4M
17.3M
INVESTING ACTIVITIES
-20.8M
-21.1M
-24.1M
-13.8M
-15.3M
-16.5M
-20.9M
-18.2M
-6.5M
-9.7M
-7.5M
-10.6M
-7.3M
-25.5M
-23.5M
-22.8M
-13.2M
-11.9M
-7.6M
-15.6M
-187.2M
-96.9M
-3.5M
(0.0)
-109M
(0.0)
-51.5M
(23.7M)
(0.0)
(0.0)
-305.6M
(34.3M)
(0.0)
(0.0)
(620.6M)
(0.0)
(1.3B)
(0.0)
(0.0)
(0.0)
-1.9B
-1B
-113M
-682.5M
-2.4B
-1.6B
-846.9M
-897.5M
-748.9M
-412.4M
-551.4M
-288.3M
-447.5M
-1B
-1B
-619.6M
-113.4M
-368.1M
-47.2M
-37.5M
1.5B
904.9M
566.6M
996M
1.6B
1.1B
1.1B
715.8M
536.6M
525M
331.2M
373.4M
437.2M
663.6M
520.1M
169.7M
338.8M
111.4M
63.3M
274.7M
31.7M
-757.4M
-1.1B
-1.2B
453.4M
-674.4M
-427.3M
-28.5M
-210.6M
-416.2M
-385.6M
-192.8M
-82.6M
402.2M
129.5M
498.5M
-320.7M
-80.6M
-113.1M
114.7M
-546.7M
-1B
-701.3M
-883.1M
-510M
-1.2B
-252.4M
-204.8M
-429.5M
-313.3M
-918.8M
-84M
-100.2M
(10M)
(219M)
(25.8M)
(1.1B)
-349.3M
-104.6M
(336.2M)
FINANCING ACTIVITIES
0.0
0.0
0.0
0.0
-108.1M
-16.7M
-66.2M
0.0
0.0
0.0
-4.5M
-697K
-11.8M
-6.8M
0.0
91.2M
98M
0.0
-27.2M
-6.3M
10M
-179.7M
-352.7M
926.9M
-333.8M
-790.1M
115.8M
128.1M
6.6M
-130.6M
350.8M
-195.5M
109.8M
523.8M
-33.3M
-233.1M
-479.2M
358.5M
-26.3M
-237.8M
-94.6M
-89.5M
-87.2M
-86.6M
-87.3M
-89.7M
-89.1M
-79.7M
-41.2M
-39.1M
-39.1M
-34.8M
-61.4M
-67.8M
-35.3M
-23.6M
-22.6M
-25.4M
-24.8M
-25.3M
(0.0)
(0.0)
(0.0)
(0.0)
-108.1M
-16.7M
-66.2M
(0.0)
(0.0)
(0.0)
-4.5M
-697K
-11.8M
-6.8M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
297.8M
968.3M
659.6M
-170.8M
640M
2B
70M
-18.4M
369.6M
347.2M
524.8M
250.8M
-117.6M
-686.2M
-309.7M
-203.6M
-536.9M
-110.7M
96.3M
-128M
213.2M
699.1M
219.9M
669.7M
110.8M
1.1B
30.6M
30M
335M
177.5M
832M
19.8M
-81M
-237M
-378.4M
-449M
-940.7M
302.4M
18M
-397.4M
CASH FLOW SUMMARY
4.3M
-38.8M
5.6M
-12.5M
-11M
30.4M
-35.5M
85.6M
29.1M
6.8M
4.7M
-7.5M
-16.9M
-15.2M
43.7M
-238.2M
243.2M
-5.3M
-13.2M
-43.9M
174.3M
213.1M
207.5M
220M
231.1M
200.7M
236.2M
150.7M
121.6M
114.8M
110.1M
117.6M
134.5M
149.7M
106M
344.2M
100.9M
106.2M
119.4M
163.3M
178.6M
174.3M
213.1M
207.5M
220M
231.1M
200.7M
236.2M
150.7M
121.6M
114.8M
110.1M
117.6M
134.5M
149.7M
106M
344.2M
100.9M
106.2M
119.4M
317.1M
241.1M
462.8M
187.1M
372.8M
91.9M
165.4M
242.1M
117M
132.9M
84.1M
46M
157.1M
186.3M
179.5M
162.2M
26.3M
29.8M
65.8M
1.6M

SEC Filings

FFBC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 29, 2026
May 26, 2026
2026
8-K

8-K 2026

N/A

May 22, 2026
May 22, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 16, 2026
May 26, 2026
2026
10-K

10-K 2025 FY

FY

February 19, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 02, 2026
February 02, 2026
2026
8-K

8-K 2026

N/A

January 28, 2026
January 28, 2026
2026
8-K

8-K 2025

N/A

January 02, 2026
December 31, 2025
2025
8-K

8-K 2025

N/A

December 15, 2025
December 09, 2025
2025
Showing 1 to 10 of 587 filings