First Financial Bancorp. (FFBC) Earnings History
Growth Compounder35 years of earnings data (1991–2025) · Consistent double-digit EPS growth over 5 years
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First Financial Bancorp. (FFBC) Earnings Overview
As of July 8, 2026, First Financial Bancorp. (FFBC) reported trailing twelve-month net income of $279M, reflecting +10.8% year-over-year growth. The company earned $2.66 per diluted share over the past four quarters, with a net profit margin of 20.3%.
Looking at the long-term picture, FFBC's 5-year EPS compound annual growth rate (CAGR) stands at +10.8%, showing solid earnings momentum. The company achieved its highest annual net income of $256M in fiscal 2023.
First Financial Bancorp. maintains industry-leading profitability with a gross margin of 68.4%, operating margin of 25.5%, and net margin of 20.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including ONB ($758M net income, 18.0% margin), WTFC ($862M net income, 19.5% margin), IBCP ($70M net income, 21.7% margin), FFBC has outperformed on profitability metrics. Compare FFBC vs ONB →
FFBC Earnings vs Peers
Earnings metrics vs comparable public companies
FFBC Historical Earnings Data (1991–2025)
35 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $256M | +11.7% | $321M | $2.66 | 20.3% | 25.5% |
| 2024 | $229M | -10.6% | $268M | $2.40 | 18.7% | 21.9% |
| 2023 | $256M | +17.6% | $319M | $2.69 | 22.9% | 28.6% |
| 2022 | $218M | +6.1% | $242M | $2.30 | 28.1% | 31.2% |
| 2021 | $205M | +31.7% | $241M | $2.14 | 31.3% | 36.8% |
| 2020 | $156M | -21.3% | $184M | $1.59 | 21.8% | 25.8% |
| 2019 | $198M | +14.8% | $243M | $2.00 | 26.8% | 32.9% |
| 2018 | $173M | +78.3% | $214M | $1.93 | 26.8% | 33.3% |
| 2017 | $97M | +9.3% | $116M | $1.56 | 23.7% | 28.4% |
| 2016 | $89M | +17.9% | $131M | $1.43 | 23.6% | 34.8% |
| 2015 | $75M | +15.5% | $111M | $1.21 | 21.8% | 32.2% |
| 2014 | $65M | +34.4% | $95M | $1.09 | 20.9% | 30.5% |
| 2013 | $48M | -28.2% | $68M | $0.83 | 15.3% | 21.4% |
| 2012 | $67M | +0.8% | $104M | $1.14 | 18.3% | 28.2% |
| 2011 | $67M | +12.6% | $105M | $1.14 | 17.5% | 27.6% |
| 2010 | $59M | -73.2% | $92M | $0.99 | 13.5% | 21.0% |
| 2009 | $221M | +863.9% | $354M | $5.33 | 74.9% | 119.8% |
| 2008 | $23M | -35.6% | $33M | $0.61 | 9.8% | 14.2% |
| 2007 | $36M | +67.7% | $54M | $0.93 | 13.2% | 19.9% |
| 2006 | $21M | -43.9% | $31M | $0.54 | 7.6% | 10.9% |
| 2005 | $38M | -7.7% | $43M | $0.88 | 14.9% | 17.1% |
| 2004 | $41M | +8.5% | $60M | $0.94 | 16.1% | 23.6% |
| 2003 | $38M | -21.4% | $55M | $0.85 | 14.0% | 20.5% |
| 2002 | $48M | +11.4% | $71M | $1.05 | 16.2% | 23.8% |
| 2001 | $43M | -25.6% | $65M | $0.91 | 12.6% | 19.0% |
| 2000 | $58M | +15.7% | $87M | $1.19 | 16.1% | 24.0% |
| 1999 | $50M | -1.3% | $77M | $1.02 | 15.5% | 23.6% |
| 1998 | $51M | +9.0% | $76M | $1.03 | 16.9% | 25.0% |
| 1997 | $47M | +38.1% | $69M | $0.95 | 17.8% | 26.1% |
| 1996 | $34M | +6.6% | $49M | $0.87 | 17.5% | 25.3% |
| 1995 | $32M | +12.8% | $46M | $0.83 | 18.2% | 26.1% |
| 1994 | $28M | +16.0% | $38M | $0.78 | 18.7% | 25.2% |
| 1993 | $24M | +13.6% | $31M | $0.69 | 17.2% | 22.2% |
| 1992 | $21M | +28.9% | $26M | $0.65 | 14.6% | 17.5% |
| 1991 | $17M | - | $21M | $0.53 | 11.0% | 13.7% |
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FFBC — Frequently Asked Questions
Quick answers to the most common questions about buying FFBC stock.
What is FFBC earnings per share (EPS)?
FFBC trailing twelve-month (TTM) diluted EPS is $2.66, reflecting +10.8% year-over-year growth. The 5-year EPS CAGR is +10.8%. Complete EPS history from 1991 to 2025 is available in the table on this page.
What is First Financial Bancorp.'s net income?
First Financial Bancorp. (FFBC) trailing twelve-month net income is $279M as of 2025. Earnings grew +10.8% year-over-year. First Financial Bancorp. has been profitable for 35 consecutive years.
Is FFBC profitable?
Yes, FFBC is profitable with a TTM net income of $279M and a net profit margin of +20.3%. First Financial Bancorp. has generated profits for 35 consecutive years.
What is FFBC's earnings growth rate?
FFBC compound annual EPS growth rates (CAGR): 1-Year: +10.8%, 3-Year: +5.0%, 5-Year: +10.8%, 10-Year: +8.2%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1991 to 2025.
What are FFBC's profit margins?
First Financial Bancorp. net profit margin is +20.3%, operating margin is +25.5%, and gross margin is +68.4%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +9.8%.
Is FFBC growing earnings?
FFBC is growing earnings steadily. YoY EPS growth of +10.8% is consistent with the 5-year CAGR of +10.8%. TTM net income is $279M.
What was FFBC's best earnings year?
First Financial Bancorp.'s highest annual net income on record is $256M, achieved in fiscal year 2023. Earnings history on this page spans 1991 to 2025 and includes all annual and quarterly figures.
What were FFBC's earnings last quarter?
FFBC's most recent reported quarter was Q1 2026. Net income was $74M with diluted EPS of $0.71. For a full breakdown of all quarters, see the quarterly earnings table on this page.