First Financial Bancorp. logo

First Financial Bancorp.(NASDAQ) FFBC

Market Cap$3.28BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1985)+6,100%
5 Year+57%
1 Year+37%
1 Month-3%
Premium Feature
Moneyball Superscore
64/100
$31.74
+1.50%
+0.47Today
First Financial Bancorp. last closing stock price
MetricPriceDate
Last closeUSD 31.272026-10-19
First Financial Bancorp. stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.51%USD 31.112026-10-12
1 month-2.56%USD 32.092026-09-18
3 month-11.63%USD 35.392026-07-21
Year to date+28.16%USD 24.402025-12-31
1 year+36.55%USD 22.902025-10-17
3 year+83.12%USD 17.082023-10-20
5 year+57.33%USD 19.882021-10-20
Since inception+6,099.87%USD 0.501985-04-11

First Financial Bancorp. Financials at a Glance

Market Cap

$3.28BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$1.33B

Net Income (TTM)

$285.22M

EPS (TTM)

$2.83

P/E Ratio

11.05

Dividend

$1.01

Beta (Volatility)

0.87 (Low)

Price

$31.74

Volume

525,547.761

Open

$31.26

Previous Close

$31.27

Daily Range

$31.26 - $32.11

52-Week Range

$23.06 - $36.25

Estimated Earnings Date

Oct 27, 2026

FFBC News

BuyAlert-Purple.png

Why Gator Capital Put $5.6 Million to Work in a Regional Bank Stock Down 7% This Past Year

Jonathan PoncianoDec 28, 2025
GettyImages-994164766 (1)

Here's Why Shares of First Financial Fell 13.2% in March

Lou WhitemanApr 8, 2019
Bank teller GETTY

The 5 Best US Bank Stocks of 2018 (So Far)

Matt Frankel, CFP®Jul 21, 2018

First Financial Bancorp Earnings Preview

Narrative ScienceJan 23, 2012

First Financial Bancorp Earnings Preview

Narrative ScienceJul 27, 2011

First Financial Bancorp: Warming Up or Cooling Off?

Motley Fool StaffNov 17, 2009

FFBC: Motley Fool Moneyball Superscore

64

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About First Financial Bancorp.

First Financial Bancorp. NASDAQ:FFBC helps people and businesses manage their money. The bank provides loans for homes and business equipment. It offers safe places for people to store savings.

How the Bank Serves Clients

  • Commercial Banking: Loans for equipment, inventory, and real estate for business clients.
  • Retail Banking: Checking, savings, and consumer loans for individuals and families.
  • Wealth Management: Investment planning and trust services through the Yellow Cardinal Advisory Group brand.
  • Specialty Finance: National lending for insurance premiums, equipment leasing, and restaurant franchises.
  • Mortgage Banking: Real estate loans for singlefamily and multifamily residential housing units.

Growing Through Strategic Mergers

  • Acquired Westfield Bancorp on Nov. 1, 2025, to expand its footprint in Ohio.
  • Merged BankFinancial Corporation into its operations on Jan. 1, 2026, to enter the Chicago market.
  • Entered an agreement in July 2026 to acquire Finward Bancorp for approximately $207.5 million.
  • Consolidated two branch locations in the second quarter of 2026 as part of merger integration.

Local Roots and National Reach

First Financial uses a network of 151 banking centers to build ties within regional markets. It balances this local focus with national lending platforms that serve specific industries like insurance and franchises. The company tracks performance using net interest margin, which measures the profit made from the difference between loan interest and deposit interest.

A Look at the Numbers

  • Net interest margin on a non-GAAP fully tax equivalent basis was 3.98% for the quarter ended June 30, 2026.
  • Net income for the six-month period ended June 30, 2026, was $150.9 million.
  • Total assets reached $22.4 billion as of June 30, 2026.
  • Total deposits reached $17.6 billion as of June 30, 2026.
  • Wealth Management assets under management totaled $4.6 billion as of June 30, 2026.

Fully tax equivalent figures are non-GAAP measures. These numbers adjust income from tax-exempt assets to help the company compare results with taxable earnings.

Bottom Line

First Financial has evolved from a local lender into a regional bank with a national specialty finance business. Strategic acquisitions in Ohio and Illinois have significantly increased its assets and market reach since 2025.

AI Generated • Aug 7, 2026

Industry

Banks

Sector

Financials

Employees

2,164

CEO

Archie M. Brown, Jr., MBA

Website

www.bankatfirst.com

Headquarters

Cincinnati, OH 45202, US

FFBC Financials

Key Financial Metrics (TTM)

Gross Margin

69.76%

Operating Margin

26.86%

Net Income Margin

21.41%

Return on Equity

10.07%

Return on Capital

8.12%

Return on Assets

1.27%

Earnings Yield

9.05%

Dividend Yield

3.23%

Payout Ratio

35.39%

Stock Overview

Market Cap

$3.28BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

104.97M

Volume

525.55K

Avg. Volume

863.18K

Financials (TTM)

Gross Profit

$929.39M

Operating Income

$357.81M

EBITDA

$408.60M

Operating Cash Flow

$792.28M

Capital Expenditure

-$23.12M

Free Cash Flow

$769.16M

Cash & ST Invst.

$5.87B

Total Debt

$952.55M

First Financial Bancorp. Performance Analysis

First Financial Bancorp. annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 775,286,00018.5%
20232023-12-31USD 1,115,220,00043.8%
20242024-12-31USD 1,225,663,0009.9%
20252025-12-31USD 1,259,342,0002.7%
First Financial Bancorp. sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-303.1%
Q42025-12-312.0%
Q12026-03-3110.4%
Q22026-06-30-13.8%
First Financial Bancorp. annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.307.5%
20232023-12-31USD 2.6916.9%
20242024-12-31USD 2.40-10.9%
20252025-12-31USD 2.6610.8%
First Financial Bancorp. sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.7%
Q42025-12-31-14.7%
Q12026-03-3110.9%
Q22026-06-302.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$314.15M

+0.1%

Gross Profit

$212.81M

-1.7%

Gross Margin

67.74%

N/A

Market Cap

$3.28BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.49M

N/A

Employees

2,199

N/A

Net Income

$76.46M

+9.2%

EBITDA

$106.70M

+12.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$5.87B

+68.5%

Total Debt

$952.55M

-7.5%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$382.55M

+10.9%

Short Term Debt

$570.00M

-16.8%

Return on Assets

1.27%

N/A

Return on Invested Capital

10.77%

N/A

Free Cash Flow

$21.07M

-67.5%

Operating Cash Flow

$31.37M

-55.0%

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Questions About FFBC

What is the current price of First Financial Bancorp.?

First Financial Bancorp. is trading at $31.75 per share.

What is the 52-week range for First Financial Bancorp.?

Over the past 52 weeks, First Financial Bancorp. has traded between $23.06 and $36.25.

How much debt does First Financial Bancorp. have?

As of the most recent reporting period, First Financial Bancorp. reported total debt of $1.05B.

How much cash does First Financial Bancorp. have on hand?

First Financial Bancorp. does not have cash on hand data available.

What is First Financial Bancorp.’s dividend yield?

First Financial Bancorp. currently has a dividend yield of 3.23%.

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