First Financial Bancorp. FFBC R2KR3KFINANCIAL
Company Overview
First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and 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, and office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment, as well as equipment and leasehold improvement financing for franchisees; consumer loans, such as 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 secured commercial financing services 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, lease and equipment financing services, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.
Why Investors Should Care
Trades at a P/E of 11.7, below the sector median of 14.5.
Maintains a net profit margin of 29.9%.
Offers a dividend yield of 2.99%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +16.5%, earnings +0.0%.
- 5-Year Trend Long-term compounding — profit CAGR 0.9%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 16.50% |
Compounded Profit Growth
| 5 Years: | 0.90% |
| 1 Year: | 0.00% |
Stock Price Performance
| 1 Year: | +35.82% |
| 6 Months: | +23.00% |
| 3 Months: | +7.76% |
| 1 Month: | -1.58% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)49.55 · Neutral
P/E of 11.65 is below the sector median of 14.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 29.9%.
- Attractive dividend yield of 2.99%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FFBC First Financial Bancorp. R2KR3KFINANCIAL | 32.98 | 11.65 | $3.46B | 2.99% | - | 10.29% | - | 0.90% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2013 | Sep 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 15.83M | 14.91M | 15.10M | 15.95M | 15.34M | 17.62M | 18.95M | 18.67M | 19.81M | 22.57M | 22.85M | 24.41M | 22.74M | 24.83M | 30.51M | 36.42M | 50.66M | 45.84M | 52.70M | 50.86M | 28.63M | 37.39M | 41.48M | 47.31M | 50.89M | 60.01M | 41.30M | 51.52M | 55.70M | 70.40M | 65.67M | 63.06M | 50.69M | 60.80M | 52.45M | 51.29M | 70.00M | 71.92M | 74.44M | 76.46M |
| Diluted EPS | 0.27 | 0.26 | 0.26 | 0.28 | 0.26 | 0.29 | 0.31 | 0.30 | 0.32 | 0.36 | 0.37 | 0.39 | 0.37 | 0.40 | 0.49 | 0.37 | 0.51 | 0.47 | 0.53 | 0.51 | 0.29 | 0.38 | 0.42 | 0.48 | 0.52 | 0.63 | 0.44 | 0.55 | 0.59 | 0.74 | 0.69 | 0.66 | 0.53 | 0.64 | 0.55 | 0.54 | 0.73 | 0.75 | 0.71 | 0.73 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 221.34M | 59.25M | 66.74M | 67.30M | 48.35M | 65.00M | 75.06M | 88.53M | 96.79M | 172.59M | 198.07M | 155.81M | 205.16M | 217.61M | 255.86M | 228.83M | 255.60M |
| Diluted EPS | 4.78 | 0.99 | 1.14 | 1.14 | 0.83 | 1.09 | 1.21 | 1.43 | 1.56 | 1.93 | 2.00 | 1.59 | 2.14 | 2.30 | 2.69 | 2.40 | 2.66 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Jun 2017 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 6.25B | 6.67B | 6.50B | 6.42B | 7.22B | 8.15B | 8.44B | 13.81M | 8.90B | 13.99B | 14.51B | 15.97B | 16.33B | 17.00B | 17.53B | 18.57B | 21.13B |
| Total Equity | 348.33M | 649.96M | 697.39M | 712.22M | 710.42M | 682.16M | 784.08M | 809.38M | 865.22M | 1.91M | 930.66M | 2.08B | 2.25B | 2.28B | 2.26B | 2.04B | 2.27B | 2.44B | 2.77B |
| Long Term Debt | - | - | 128.88M | 76.54M | 75.20M | 60.78M | 48.24M | 119.54M | 119.59M | - | 119.65M | 570.74M | 414.38M | 776.20M | 409.83M | 346.67M | 344.12M | 347.51M | 514.05M |
| Total Liabilities | - | - | 5.55B | 5.96B | 5.79B | 5.74B | 6.43B | 7.34B | 7.57B | - | 7.97B | 11.91B | 12.26B | 13.69B | 14.07B | 14.96B | 15.26B | 16.13B | 18.36B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 39.45M | 185.01M | 203.08M | 211.83M | 164.35M | 56.65M | 91.57M | 142.60M | 123.52M | 260.35M | 186.33M | 108.36M | 388.16M | 200.85M | 486.97M | 262.16M | 337.86M |
| Investing Cash Flow | 1.14B | 25.84M | 218.95M | 10.03M | -100.24M | -83.98M | -918.85M | -313.35M | -429.45M | -204.78M | -252.42M | -1.20B | -510.03M | -883.11M | -701.26M | -1.00B | -546.72M |
| Financing Cash Flow | -940.68M | -449.02M | -378.36M | -237.02M | -81.00M | 19.83M | 832.00M | 177.50M | 334.98M | 30.01M | 30.57M | 1.13B | 110.85M | 669.73M | 219.85M | 699.08M | 213.16M |
| Capital Expenditure | -13.18M | -22.79M | -23.54M | -25.50M | -7.29M | -10.61M | -7.47M | -9.73M | -6.54M | -18.23M | -20.93M | -16.47M | -15.33M | -13.78M | -24.14M | -21.07M | -20.76M |
| Free Cash Flow | 26.27M | 162.23M | 179.54M | 186.33M | 157.06M | 46.05M | 84.10M | 132.87M | 116.99M | 242.12M | 165.40M | 91.90M | 372.82M | 187.07M | 462.83M | 241.08M | 317.10M |
| Share Buybacks | - | 0 | 0 | 6.81M | 11.78M | 697.00K | 4.50M | 0 | 0 | 0 | 66.22M | 16.69M | 108.08M | 0 | 0 | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| ROE % | 34.1% | 8.5% | 9.4% | 9.5% | 7.1% | 8.3% | 9.3% | 10.2% | 10.4% | 8.3% | 8.8% | 6.8% | 9.1% | 10.7% | 11.3% | 9.4% | 9.2% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 14.55% | 15.27M | $501.29M |
| 2 | Dimensional Fund Advisors LP | 6.33% | 6.65M | $218.13M |
| 3 | Vanguard Portfolio Management LLC | 6.07% | 6.37M | $209.11M |
| 4 | State Street Corporation | 5.53% | 5.80M | $190.39M |
| 5 | Nomura Asset Management International Inc | 4.80% | 5.04M | $165.46M |
| 6 | Vanguard Capital Management LLC | 4.32% | 4.54M | $148.86M |
| 7 | Fort Washington Investment Advisors, Inc. | 2.94% | 3.09M | $101.39M |
| 8 | Geode Capital Management, LLC | 2.67% | 2.81M | $92.12M |
| 9 | Bahl & Gaynor LLC | 1.81% | 1.90M | $62.45M |
| 10 | Fuller & Thaler Asset Management Inc. | 1.80% | 1.89M | $62.08M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for FFBC
First Financial Bancorp. $FFBC Shares Sold by Wellington Management Group LLP - marketbeat.com
<a href="https://news.google.com/rss/articles/CBMi0gFBVV95cUxPTXMxTHI1V0FQUHFiMFFjeEdzZnBYVkthZnVJZEZ5N1dzZ1cwWjF6eThkeXkxeVZlZDl2TXJBbFU3Zl8zeEEyeTJkcll5R1M1VzVMaUJ3N0tzcWpuQU5GVGZCWGJZbERHYldIMWFpcXV1UG9oZXc5TEZYUzF6WFJWd1FNczFDb01DU3FOSE…
3 Reasons to Avoid FFBC and 1 Stock to Buy Instead - Yahoo Finance
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Officer Archie Brown of First Financial (NASDAQ: FFBC) to sell 5,000 shares - Stock Titan
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First Financial Bancorp (FFBC) On Efficiency Gains And Margin Hopes With Valuation In Focus - simplywall.st
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First Financial Bancorp.: Strong Profitability With Room For Further Upside (NASDAQ:FFBC) - Seeking Alpha
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Insider Sale: Director at $FFBC Sells 16,088 Shares - quiverquant.com
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FFBC — Frequently Asked Questions
What is the current share price of First Financial Bancorp. (FFBC)?
As of 2026-09-07 16:24 PDT, First Financial Bancorp. (FFBC) trades at $32.98 on NasdaqGS. Its 52-week range is $22.46 to $35.89.
What is the market capitalisation of FFBC?
First Financial Bancorp. (FFBC) has a market capitalisation of $3.46B on NasdaqGS.
What is the P/E ratio of FFBC?
FFBC trades at a trailing price-to-earnings (P/E) ratio of 11.65. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.18.
Does FFBC pay a dividend?
First Financial Bancorp. (FFBC) currently offers a dividend yield of 2.99%.
What is the return on equity (ROE) of FFBC?
FFBC has a return on equity (ROE) of 10.29%.
Is FFBC a good stock to buy?
This page provides a data-driven analysis of First Financial Bancorp. (FFBC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.