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FFBCFirst Financial Bancorp.
$34.31$3.6B
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FFBC logoFirst Financial Bancorp.(FFBC)Earnings, Financials & Key Ratios

FFBC•NASDAQ•Banking & Credit
$34.31
12.9× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutFirst 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.Show more
  • Net Interest Income$642M+4.9%
  • Total Revenue$1.26B+2.7%
  • Net Income$256M+11.7%
  • Return on Equity9.82%+0.9%
  • Net Interest Margin3.04%-7.8%
  • Efficiency Ratio42.92%+1.3%
  • ROA1.29%+1.6%
  • Equity / Assets13.11%-0.2%
  • Book Value per Share28.92+13.2%

FFBC Price & Volume

First Financial Bancorp. (FFBC) stock price & volume — 10-year historical chart

Loading chart...

Aggressive Asset Expansion Challenges Capital Adequacy Ratios

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Specialized Lending Credit Concentration

Key Thesis Takeaways

  • First Financial Bancorp is pursuing an aggressive growth strategy, evidenced by total assets surging to $22.8 billion in 2026Q1, which is increasingly testing the bank's capital buffers as the equity-to-assets ratio remains constrained at 0.13.
  • While the bank has successfully diversified its revenue stream with non-interest income reaching 22.5% of total revenue, investors should monitor the potential duration risk inherent in a $19.5 billion investment securities portfolio.
  • The bank's ability to maintain its 2.9% dividend yield while managing margin compression and credit concentration in specialized lending units remains a critical focal point for long-term valuation.

Verdict Logic

while the bank demonstrates accelerating growth with a 27.0% increase in NII, the tight 0.13 equity-to-assets ratio and potential duration risk in the $19.5 billion securities portfolio warrant a cautious approach.

FFBC Growth Metrics

First Financial Bancorp. (FFBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years13.82%
5 Years12.02%
3 Years17.58%
TTM-

Profit CAGR

10 Years13.04%
5 Years10.41%
3 Years5.51%
TTM21.5%

EPS CAGR

10 Years8.2%
5 Years10.84%
3 Years4.97%
TTM17.43%

Return on Capital

10 Years9.82%
5 Years9.18%
3 Years9.29%
Last Year8.55%

FFBC Recent Earnings

First Financial Bancorp. (FFBC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.72+17.5%
$0.61
Rev
$272M+5.3%
$258M
Q1 2026
Jan 28, 2026
Metric
Actual
Est
EPS
$0.80+1.3%
$0.79
Rev
$239M-4.1%
$249M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$0.76+3.5%
$0.73
Rev
$256M+11.3%
$230M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$0.74+7.2%
$0.69
Rev
$226M+0.9%
$224M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.72vs $0.61+17.5%
$272Mvs $258M+5.3%
Q1 2026Jan 28, 2026
$0.80vs $0.79+1.3%
$239Mvs $249M-4.1%
Q4 2025Oct 23, 2025
$0.76vs $0.73+3.5%
$256Mvs $230M+11.3%
Q3 2025Jul 24, 2025
$0.74vs $0.69+7.2%
$226Mvs $224M+0.9%
Based on last 12 quarters of dataView full earnings history →

Latest FFBC News

Recent stock market news and headlines for First Financial Bancorp. (FFBC)

Zacks Investment Research·Jun 26, 2026
First Financial Bancorp. (FFBC) Soars to 52-Week High, Time to Cash Out?

First Financial (FFBC) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.

Zacks Investment Research·Jun 15, 2026
Why First Financial Bancorp (FFBC) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial (FFBC) have what it takes?

Peers Comparison

Key metrics vs top competitors for First Financial Bancorp. (FFBC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FFBC logoFFBCFirst Financial Bancorp.Current
$34.31$3.6B12.902.75%20.3%9.82%2.88%
ONB logoONBOld National Bancorp
$26.43$10.21B14.7725.48%19.03%9.07%—
WTFC logoWTFCWintrust Financial Corporation
$161.45$10.89B13.976.66%20.11%11.93%—
IBCP logoIBCPIndependent Bank Corporation
$35.76$736.88M10.94-0.3%22.54%14.15%—
FBNC logoFBNCFirst Bancorp
$63.16$2.61B23.572.32%21.81%7.47%—
UBSI logoUBSIUnited Bankshares, Inc.
$46.14$6.36B14.1112.33%36.72%9.27%—

Compare FFBC vs Peers

First Financial Bancorp. (FFBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs ONB

Most directly comparable listed peer for FFBC.

Scale Benchmark

vs V

Larger-name benchmark to compare FFBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs ONB, WTFC, IBCP, FBNC

FFBC SEC Filings & Documents

First Financial Bancorp. (FFBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 29, 2026·SEC

Material company update

May 22, 2026·SEC

Material company update

Apr 23, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 19, 2026·SEC

FY 2025

Feb 20, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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FFBC Frequently Asked Questions

First Financial Bancorp. (FFBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is First Financial Bancorp. growing?

First Financial Bancorp. (FFBC) grew revenue by 2.7% over the past year. Growth has been modest.

Is FFBC profitable?

Yes, First Financial Bancorp. (FFBC) is profitable, generating $278.8M in net income for fiscal year 2025 (20.3% net margin).

Dividend & Returns
Does FFBC pay dividends?

Yes, First Financial Bancorp. (FFBC) pays a dividend with a yield of 2.88%. This makes it attractive for income-focused investors.

What is FFBC's return on equity?

First Financial Bancorp. (FFBC) has a return on equity (ROE) of 9.8%. This is below average, suggesting room for improvement.

Industry Metrics
What is First Financial Bancorp.'s net interest margin?

First Financial Bancorp. (FFBC) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.

What is First Financial Bancorp.'s efficiency ratio?

First Financial Bancorp. (FFBC) has an efficiency ratio of 42.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FFBC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →