First Financial Bancorp (FFBC) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, First Financial Bancorp reported revenue of $899.5M, up 7.6% from $835.6M the year before. Net income was $255.6M (a 28.4% net margin), or $2.66 per diluted share. Net interest income was $642.0M, and the efficiency ratio (noninterest expense / revenue) was 60.1%. Operating activities generated $337.9M of cash, leaving $317.1M of free cash flow. At fiscal year end, First Financial Bancorp held $21.13B in total assets against $18.36B in total liabilities.
Open the full interactive First Financial Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
First Financial Bancorp Key Stats
| Share Price | $30.96 |
|---|---|
| Market Cap | $3.25B |
| P/E Ratio | 11.6 |
| Revenue YoY Growth | +7.6% |
| 52-Week Range | $22.46 – $35.89 |
| Shares Outstanding | 103.9 million (basic, 2026 Q2) |
First Financial Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $456.5M | $452.1M | $519.1M | $627.8M | $612.0M | $642.0M |
| Provision for Credit Losses | $70.6M | -$18.1M | $11.7M | $43.1M | $47.7M | $37.7M |
| Noninterest Income | $189.1M | $171.5M | $189.6M | $212.4M | $223.6M | $257.4M |
| Noninterest Expense | $390.7M | $400.8M | $455.3M | $478.5M | $519.6M | $540.5M |
| Revenue | $645.6M | $623.6M | $708.8M | $840.2M | $835.6M | $899.5M |
| Pre-Tax Income | $184.4M | $240.9M | $241.7M | $318.6M | $268.3M | $321.3M |
| Income Tax | $28.6M | $35.8M | $24.1M | $62.7M | $39.5M | $65.7M |
| Net Income | $155.8M | $205.2M | $217.6M | $255.9M | $228.8M | $255.6M |
| Diluted EPS | $1.59 | $2.14 | $2.30 | $2.69 | $2.40 | $2.66 |
First Financial Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $234.0M | $238.8M | $271.5M | $264.2M |
| Net Income | $71.9M | $62.4M | $74.4M | $76.5M |
| Diluted EPS | $0.75 | $0.65 | $0.71 | $0.73 |
First Financial Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $9.73B | $9.16B | $10.17B | $10.79B | $11.60B | $13.24B |
| Total Assets | $15.97B | $16.33B | $17.00B | $17.53B | $18.57B | $21.13B |
| Deposits | $12.23B | $12.87B | $12.70B | $13.36B | $14.33B | $16.42B |
| Total Long-Term Debt | $776.2M | $706.0M | $1.63B | $1.28B | $1.10B | $1.19B |
| Total Liabilities | $13.69B | $14.07B | $14.96B | $15.26B | $16.13B | $18.36B |
| Shareholders' Equity | $2.28B | $2.26B | $2.04B | $2.27B | $2.44B | $2.77B |
First Financial Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $109.9M | $390.5M | $200.8M | $487.0M | $262.2M | $337.9M |
| Cash From Investing | -$1.20B | -$512.3M | -$883.1M | -$701.3M | -$1.00B | -$546.7M |
| Cash From Financing | $1.13B | $110.8M | $669.7M | $219.9M | $699.1M | $213.2M |
| Free Cash Flow | $93.4M | $375.1M | $187.1M | $462.8M | $241.1M | $317.1M |
Figures from First Financial Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full First Financial Bancorp financials page for every line item.
First Financial Bancorp Company Profile
| Ticker | FFBC |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Cincinnati, Ohio |
| Incorporated in | Ohio |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000708955 |
Frequently Asked Questions
What was First Financial Bancorp's revenue in fiscal 2025?
First Financial Bancorp (FFBC) reported revenue of $899.5M for fiscal 2025.
What is First Financial Bancorp's annual revenue history?
First Financial Bancorp's annual revenue by fiscal year: 2020: $645.6M; 2021: $623.6M; 2022: $708.8M; 2023: $840.2M; 2024: $835.6M; 2025: $899.5M.
What was First Financial Bancorp's net income in fiscal 2025?
First Financial Bancorp reported net income of $255.6M for fiscal 2025.
What was First Financial Bancorp's earnings per share (EPS) in fiscal 2025?
First Financial Bancorp's diluted EPS was $2.66 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did First Financial Bancorp generate in fiscal 2025?
First Financial Bancorp generated $317.1M of free cash flow in fiscal 2025.
What was First Financial Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), First Financial Bancorp reported revenue of $264.2M.
How much debt does First Financial Bancorp have?
First Financial Bancorp reported $1.19B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of First Financial Bancorp are outstanding?
First Financial Bancorp reported a weighted average of 103.9 million basic shares outstanding in 2026 Q2.
What is First Financial Bancorp's market cap?
Based on its latest closing price, First Financial Bancorp (FFBC) has a market capitalization of about $3.25B.
When does First Financial Bancorp's fiscal year end?
First Financial Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is First Financial Bancorp headquartered?
First Financial Bancorp lists its business address in Cincinnati, Ohio in its SEC filings.