FFBCNasdaqNational Commercial BanksFiscal year ends December 31
FIRST FINANCIAL BANCORP /OH/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$31.27−0.21 (-0.67%)
Close on Oct 19, 2026
- Market cap
- $3.28B
- P/E (TTM)
- 11.0
- Dividend yield
- 3.13%
First Financial Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison
Valuation
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Market Cap | $3.28B | $679.86M |
| Enterprise Value | $3.69B | $408.94M |
| PE Ratio | 11.05 | 12.00 |
| PS Ratio | 3.25 | 3.61 |
| PB Ratio | 1.10 | 1.18 |
| P/TBV Ratio | 1.88 | 1.41 |
| P/FCF Ratio | 4.34 | 10.93 |
| P/OCF Ratio | 4.14 | 10.04 |
Enterprise value
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| EV / Sales | 3.65 | 2.78 |
| EV / FCF | 4.87 | 8.25 |
Income (trailing twelve months)
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Revenue | $1.01B | $170.85M |
| Pretax Income | $357.81M | $70.12M |
| Net Income | $285.22M | $54.33M |
| EPS (Diluted) | $2.83 | $2.90 |
Margins
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 35.5% | 36.4% |
| Profit Margin | 28.3% | 29.1% |
| FCF Margin | 75.0% | 33.0% |
Returns
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 10.3% | 10.5% |
| Return on Assets (ROA) | 1.39% | 1.12% |
Growth
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 18.3% | 11.8% |
| Net Income Growth (YoY) | 19.5% | 23.1% |
| EPS Growth (YoY) | 13.2% | 22.7% |
| FCF Growth (YoY) | 181.5% | 27.1% |
| Revenue Growth (3Y CAGR) | 8.27% | 5.82% |
| Revenue Growth (5Y CAGR) | 6.86% | 6.17% |
| EPS Growth (3Y CAGR) | 4.97% | 1.26% |
| EPS Growth (5Y CAGR) | 10.8% | 8.24% |
Balance sheet
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $206.36M | $205.54M |
| Total Debt | $609.53M | $177.19M |
| Net Cash (Debt) | -$403.17M | $164.40M |
| Net Cash Per Share | -$3.84 | $8.13 |
| Equity (Book Value) | $2.99B | $560.44M |
| Book Value Per Share | $28.46 | $28.47 |
| Tangible Book Value | $1.75B | $472.29M |
Financial position
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Debt / Equity | 0.20 | 0.20 |
| Debt / FCF | 0.81 | 1.81 |
Cash flow (trailing twelve months)
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $792.28M | $61.20M |
| Capital Expenditures | -$35.85M | -$4.02M |
| Free Cash Flow | $756.43M | $52.43M |
| FCF Per Share | $7.21 | $3.07 |
Efficiency
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.05 | 0.04 |
| Revenue Per Employee | $458.60K | $353.78K |
| Profits Per Employee | $129.70K | $107.28K |
| Employee Count | 2,199 | 489 |
Dividends and yields
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 8.69% | 8.07% |
| FCF Yield | 23.0% | 8.89% |
| Dividend Yield | 3.13% | 2.48% |
| Shareholder Yield | 3.13% | 3.13% |
| Dividend Per Share | $0.98 | $0.93 |
| Dividend Growth (YoY) | 4.26% | 4.26% |
| Years of Dividend Growth | 2 | 2 |
| Payout Ratio | 35.4% | 29.4% |
| FCF Payout Ratio | 13.3% | 26.0% |
Shares
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 104,969,000 | 18,839,100 |
| Shares Change (YoY) | 5.41% | 0.39% |
| Float | 103,569,000 | 17,061,900 |
| Shares Held by Insiders | 1.33% | 5.89% |
| Shares Held by Institutions | 85.1% | 61.9% |
Taxes
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Income Tax | $72.60M | $14.50M |
| Effective Tax Rate | 20.3% | 21.1% |
Scores
| Measure | First Financial Bancorp | Industry median |
|---|---|---|
| Graham Number | $42.57 | $45.31 |
| Graham Upside | 36.1% | 21.6% |
| Altman Z-Score | 0.24 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from First Financial Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.