First Financial Bancorp. (FFBC) Debt/Equity Ratio: History & Chart

First Financial Bancorp.(FFBC)

Banks - Regional · Cincinnati, OH

$31.53+0.01 (+0.05%)

Delayed quote: Oct 6, 2026, 11:00 AM EDT

About First Financial Bancorp.

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and 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, and office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment, as well as equipment and leasehold improvement financing for franchisees; consumer loans, such as 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 secured commercial financing services 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, lease and equipment financing services, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

Cincinnati, OH

2,199 employees

www.bankatfirst.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Archie Brown

View full financials

FFBC Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

0.32

DEBT TO EQUITY RATIO AVG TTM

0.36

DEBT TO EQUITY RATIO AVG 3Y

0.48

DEBT TO EQUITY RATIO AVG 5Y

0.49

DEBT TO EQUITY RATIO AVG 10Y

0.66

DEBT TO EQUITY RATIO AVG 15Y

0.73

DEBT TO EQUITY RATIO AVG 20Y

0.74

CURRENT VS TTM AVG

-10.30%

CURRENT VS 3Y AVG

-33.65%

CURRENT VS 5Y AVG

-34.97%

CURRENT VS 10Y AVG

-51.45%

CURRENT VS 15Y AVG

-56.10%

CURRENT VS 20Y AVG

-57.01%

SECTOR MEDIAN · FINANCIAL SERVICES

0.34

median of 524 covered companies

CURRENT VS SECTOR MEDIAN

-7.57%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
First Financial Bancorp. (FFBC)	$3.31B	0.32	0.36	0.48	0.49
Mechanics Bank (MCHB)vs ›	$3.30B	0.08	0.06	1.53	1.16
iShares Core 80/20 Aggressive Allocation ETF (AOA)vs ›	$3.24B	N/A	N/A	N/A	N/A
Golub Capital BDC, Inc. (GBDC)vs ›	$3.20B	1.22	1.19	1.20	1.11
CleanSpark, Inc. (CLSK)vs ›	$3.20B	2.34	0.21	0.12	0.09
CVB Financial Corp. (CVBF)vs ›	$3.16B	0.35	0.39	0.68	0.54
First Interstate BancSystem, Inc. (FIBK)vs ›	$3.48B	0.23	0.47	0.82	0.76
Brighthouse Financial, Inc. (BHFAO)vs ›	$3.48B	0.48	0.55	0.58	0.45
Brighthouse Financial, Inc. (BHFAN)vs ›	$3.49B	0.48	0.55	0.58	0.45
Brighthouse Financial, Inc. (BHFAM)vs ›	$3.50B	0.48	0.55	0.58	0.45

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

First Financial Bancorp. (FFBC)

$3.31B

0.32

0.36

0.48

0.49

Mechanics Bank (MCHB)vs ›

$3.30B

0.08

0.06

1.53

1.16

iShares Core 80/20 Aggressive Allocation ETF (AOA)vs ›

$3.24B

N/A

Golub Capital BDC, Inc. (GBDC)vs ›

$3.20B

1.22

1.19

1.20

1.11

CleanSpark, Inc. (CLSK)vs ›

$3.20B

2.34

0.21

0.12

0.09

CVB Financial Corp. (CVBF)vs ›

$3.16B

0.35

0.39

0.68

0.54

First Interstate BancSystem, Inc. (FIBK)vs ›

$3.48B

0.23

0.47

0.82

0.76

Brighthouse Financial, Inc. (BHFAO)vs ›

$3.48B

0.48

0.55

0.58

0.45

Brighthouse Financial, Inc. (BHFAN)vs ›

$3.49B

0.48

0.55

0.58

0.45

Brighthouse Financial, Inc. (BHFAM)vs ›

$3.50B

0.48

0.55

0.58

0.45

Debt to Equity Ratio FAQ

What is the debt to equity ratio for First Financial Bancorp. (FFBC)?

The debt to equity ratio for FFBC stock is 0.32.

Is First Financial Bancorp.'s debt to equity ratio high or low?

The debt to equity ratio of 0.32 is 35% below its 5-year average of 0.49, near the low end of its 5-year range (0.22–0.80).

What is the TTM average debt to equity ratio for First Financial Bancorp. (FFBC)?

The TTM average debt to equity ratio for FFBC stock is 0.36.

What is the 3Y average debt to equity ratio for First Financial Bancorp. (FFBC)?

The 3Y average debt to equity ratio for FFBC stock is 0.48.

What is the 5Y average debt to equity ratio for First Financial Bancorp. (FFBC)?

The 5Y average debt to equity ratio for FFBC stock is 0.49.

What is the 10Y average debt to equity ratio for First Financial Bancorp. (FFBC)?

The 10Y average debt to equity ratio for FFBC stock is 0.66.

What is the 15Y average debt to equity ratio for First Financial Bancorp. (FFBC)?

The 15Y average debt to equity ratio for FFBC stock is 0.73.

What is the 20Y average debt to equity ratio for First Financial Bancorp. (FFBC)?

The 20Y average debt to equity ratio for FFBC stock is 0.74.

DATE	DEBT TO EQUITY RATIO
2026-06-30	0.32
2026-03-31	0.32
2025-12-31	0.43
2025-09-30	0.31
2025-06-30	0.40
2025-03-31	0.46
2024-12-31	0.45
2024-09-30	0.47
2024-06-30	0.65
2024-03-31	0.53
2023-12-31	0.57
2023-09-30	0.62
2023-06-30	0.73
2023-03-31	0.74
2022-12-31	0.80
2022-09-30	0.76
2022-06-30	0.61
2022-03-31	0.26
2021-12-31	0.31
2021-09-30	0.22
2021-06-30	0.35
2021-03-31	0.22
2020-12-31	0.22
2020-09-30	0.31
2020-06-30	0.28
2020-03-31	0.79
2019-12-31	0.77
2019-09-30	0.76
2019-06-30	0.85
2019-03-31	0.75
2018-12-31	0.78
2018-09-30	0.92
2018-06-30	0.82
2018-03-31	0.88
2017-12-31	1.00
2017-09-30	1.07
2017-06-30	1.35
2017-03-31	1.11
2016-12-31	1.07
2016-09-30	1.21
2016-06-30	1.46
2016-03-31	1.32
2015-12-31	1.31
2015-09-30	1.09
2015-06-30	0.94
2015-03-31	0.80
2014-12-31	0.91
2014-09-30	1.26
2014-06-30	1.24
2014-03-31	1.29
2013-12-31	1.19
2013-09-30	0.99
2013-06-30	1.00
2013-03-31	1.01
2012-12-31	0.99
2012-09-30	0.62
2012-06-30	0.45
2012-03-31	0.22
2011-12-31	0.25
2011-09-30	0.24
2011-06-30	0.29
2011-03-31	0.30
2010-12-31	0.30
2010-09-30	0.30
2010-06-30	0.63
2010-03-31	0.65
2009-12-31	0.71
2009-09-30	0.79
2009-06-30	1.09
2009-03-31	1.47
2008-12-31	1.34
2008-09-30	1.76
2008-06-30	1.38
2008-03-31	0.54
2007-12-31	0.60
2007-09-30	0.65
2007-06-30	0.62
2007-03-31	0.65
2006-12-31	0.67
2006-09-30	0.64
2006-06-30	0.68
2006-03-31	0.70
2005-12-31	1.43
2005-09-30	1.10
2005-06-30	1.30
2005-03-31	1.23
2004-12-31	1.37
2004-09-30	1.70
2004-06-30	1.76
2004-03-31	1.57
2003-12-31	1.67
2003-09-30	1.58
2003-06-30	1.42
2003-03-31	1.24
2002-12-31	1.05
2002-09-30	1.00

DATE

DEBT TO EQUITY RATIO

2026-06-30

0.32

2026-03-31

0.32

2025-12-31

0.43

2025-09-30

0.31

2025-06-30

0.40

2025-03-31

0.46

2024-12-31

0.45

2024-09-30

0.47

2024-06-30

0.65

2024-03-31

0.53

2023-12-31

0.57

2023-09-30

0.62

2023-06-30

0.73

2023-03-31

0.74

2022-12-31

0.80

2022-09-30

0.76

2022-06-30

0.61

2022-03-31

0.26

2021-12-31

0.31

2021-09-30

0.22

2021-06-30

0.35

2021-03-31

0.22

2020-12-31

0.22

2020-09-30

0.31

2020-06-30

0.28

2020-03-31

0.79

2019-12-31

0.77

2019-09-30

0.76

2019-06-30

0.85

2019-03-31

0.75

2018-12-31

0.78

2018-09-30

0.92

2018-06-30

0.82

2018-03-31

0.88

2017-12-31

1.00

2017-09-30

1.07

2017-06-30

1.35

2017-03-31

1.11

2016-12-31

1.07

2016-09-30

1.21

2016-06-30

1.46

2016-03-31

1.32

2015-12-31

1.31

2015-09-30

1.09

2015-06-30

0.94

2015-03-31

0.80

2014-12-31

0.91

2014-09-30

1.26

2014-06-30

1.24

2014-03-31

1.29

2013-12-31

1.19

2013-09-30

0.99

2013-06-30

1.00

2013-03-31

1.01

2012-12-31

0.99

2012-09-30

0.62

2012-06-30

0.45

2012-03-31

0.22

2011-12-31

0.25

2011-09-30

0.24

2011-06-30

0.29

2011-03-31

0.30

2010-12-31

0.30

2010-09-30

0.30

2010-06-30

0.63

2010-03-31

0.65

2009-12-31

0.71

2009-09-30

0.79

2009-06-30

1.09

2009-03-31

1.47

2008-12-31

1.34

2008-09-30

1.76

2008-06-30

1.38

2008-03-31

0.54

2007-12-31

0.60

2007-09-30

0.65

2007-06-30

0.62

2007-03-31

0.65

2006-12-31

0.67

2006-09-30

0.64

2006-06-30

0.68

2006-03-31

0.70

2005-12-31

1.43

2005-09-30

1.10

2005-06-30

1.30

2005-03-31

1.23

2004-12-31

1.37

2004-09-30

1.70

2004-06-30

1.76

2004-03-31

1.57

2003-12-31

1.67

2003-09-30

1.58

2003-06-30

1.42

2003-03-31

1.24

2002-12-31

1.05

2002-09-30

1.00

Debt to Equity Ratio: 0.32

FFBC Debt to Equity Ratio

FFBC Average Debt to Equity Ratio Chart

FFBC Current vs Average Debt to Equity Ratio Chart

FFBC Debt to Equity Ratio Metrics

FFBC Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

FFBC Debt to Equity Ratio History

Related Metrics