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+63.0%
5Y+76.0%
10Y+235.0%
3Y+17.0%
5Y+64.0%
10Y+189.0%
3Y+68.0%
5Y+212.0%
10Y+137.0%
First Financial Bancorp.

First Financial Bancorp. Profit Bridge

FFBC ยท NASDAQ
Revenue1.26B
Cost of Goods Sold (397.52M)
Gross Profit861.82M
Operating Expenses (540.55M)
Operating Income321.27M
Interest Expense (359.86M)
Other Income/Expense0.00
Pretax Income321.27M
Income Tax (65.67M)
Net Income255.60M
Net Income
255.60M

Profitability Analysis

Gross Margin

68.4%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

25.5%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

20.3%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

20.4%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

First Financial Bancorp. Income Statement

FFBC โ€ข NASDAQ

First Financial Bancorp. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
1.3B
1.2B
1.1B
774.6M
654.7M
714.1M
739M
643.8M
409.2M
375.6M
345M
311.5M
315.1M
368M
381.2M
437.6M
295.4M
235.1M
270M
281.4M
GROSS PROFIT
(397.5M)
(437.7M)
(318.3M)
(77.6M)
(13M)
(139M)
(153.8M)
(106M)
(53.1M)
(43.4M)
(32.9M)
(20.8M)
(25.8M)
(77.6M)
(128.2M)
(164.7M)
(113.3M)
(86.5M)
(95.6M)
(90.3M)
861.8M
787.9M
797.1M
697.1M
641.7M
575.1M
585.2M
537.8M
356.1M
332.1M
312.1M
290.7M
289.3M
290.4M
253M
272.9M
182.1M
148.5M
174.4M
191.1M
OPERATING INCOME
(540.5M)
(519.6M)
(478.5M)
(455.3M)
(400.8M)
(390.7M)
(342.3M)
(323.5M)
(239.9M)
(201.4M)
(201.1M)
(195.7M)
(221.8M)
(186.7M)
(148M)
(180.9M)
-171.9M
(115.2M)
(120.7M)
(160.4M)
(374.2M)
(368.9M)
(346.8M)
(305.7M)
(259.5M)
(248.3M)
(243.1M)
(231.8M)
(160.2M)
(150.1M)
(133M)
(130.6M)
(148.5M)
(100.3M)
(66.4M)
(88.2M)
(103.1M)
(75.9M)
(72.3M)
(88M)
321.3M
268.3M
318.6M
241.7M
240.9M
184.4M
242.9M
214.2M
116.2M
130.7M
110.9M
95M
67.6M
103.7M
105M
92M
354M
33.4M
53.7M
30.7M
PRE-TAX INCOME
(359.9M)
(390.1M)
(275.2M)
(65.9M)
(31.1M)
(68.5M)
(123.3M)
(91.1M)
(49.5M)
(33.3M)
(23.3M)
(19.2M)
(16.9M)
(27.6M)
(44.9M)
(68M)
(57.2M)
(67.1M)
(87.9M)
(80.5M)
642M
612M
627.8M
519.1M
452.1M
456.5M
484.3M
449.2M
283.5M
272.7M
246.5M
228.6M
228.3M
253.3M
263.9M
275.5M
176M
116.2M
118.5M
125.1M
(166.3M)
(150.7M)
(131.7M)
(149.7M)
(141.3M)
(142.4M)
(99.2M)
(91.7M)
(79.7M)
(51.3M)
(68.1M)
(65M)
(73.3M)
(86.4M)
(81.6M)
(92.7M)
-275M
(39.3M)
(48.4M)
(72.4M)
321.3M
268.3M
318.6M
241.7M
240.9M
184.4M
242.9M
214.2M
116.2M
130.7M
110.9M
95M
67.6M
103.7M
105M
92M
354M
33.4M
53.7M
30.7M
NET INCOME
(65.7M)
(39.5M)
(62.7M)
(24.1M)
(35.8M)
(28.6M)
(44.8M)
(41.6M)
(19.4M)
(42.2M)
(35.9M)
(30M)
(19.2M)
(36.4M)
(38.3M)
(32.7M)
(132.6M)
(10.4M)
(18M)
(9.4M)
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

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