First Financial Bancorp. (FFBC) Financials: History & Chart

First Financial Bancorp.(FFBC)

Banks - Regional · Cincinnati, OH

$31.40-0.12 (-0.36%)

Delayed quote: Oct 6, 2026, 3:40 PM 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

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Financials

SEC Filings

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Jun 2026	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024
Revenue	1.33B	314.15M	364.32M	330.10M	323.78M	313.96M	291.50M	321.43M	302.82M
Cost of Goods Sold	402.96M	101.35M	101.35M	101.44M	98.83M	97.43M	99.82M	106.60M	112.18M
Gross Profit	929.39M	212.81M	262.98M	228.66M	224.95M	216.53M	191.68M	214.82M	190.64M
Gross Profit Margin	69.8%	67.7%	72.2%	69.3%	69.5%	69.0%	65.8%	66.8%	63.0%
Total Operating Expenses	571.58M	118.37M	169.41M	149.53M	134.27M	128.67M	128.08M	147.91M	125.76M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	418.14M	118.37M	112.10M	88.18M	99.49M	93.42M	93.12M	97.79M	92.00M
Operating Income (EBIT)	357.81M	94.44M	93.57M	79.13M	90.68M	87.86M	63.60M	66.91M	64.88M
Operating Margin	26.9%	30.1%	25.7%	24.0%	28.0%	28.0%	21.8%	20.8%	21.4%
Income Before Tax (EBT)	357.81M	94.44M	93.57M	79.13M	90.68M	87.86M	63.60M	66.91M	64.88M
Interest Income	1.08B	282.42M	282.42M	265.33M	250.25M	245.90M	240.42M	251.57M	257.12M
Interest Expense	364.46M	90.54M	92.81M	91.34M	89.77M	87.63M	91.12M	97.17M	101.56M
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	285.22M	76.46M	74.44M	62.39M	71.92M	70.00M	51.29M	64.89M	52.45M
Income Tax Expense	72.59M	17.98M	19.12M	16.74M	18.75M	17.86M	12.31M	2.03M	12.43M
Net Profit Margin	21.4%	24.3%	20.4%	18.9%	22.2%	22.3%	17.6%	20.2%	17.3%
EBITDA	409.73M	107.82M	106.95M	96.87M	98.08M	95.21M	70.93M	82.49M	72.54M
EBITDA Margin	30.8%	34.3%	29.4%	29.3%	30.3%	30.3%	24.3%	25.7%	24.0%
Depreciation & Amortization	51.91M	13.39M	13.39M	17.74M	7.40M	7.35M	7.33M	15.58M	7.67M
EPS Basic	2.87	0.74	0.72	0.65	0.76	0.74	0.54	0.69	0.56
EPS Diluted	2.83	0.73	0.71	0.64	0.75	0.73	0.54	0.68	0.55
Weighted Average Basic Shares	103.71M	103.71M	103.71M	94.89M	94.89M	94.86M	94.65M	94.49M	94.47M
Weighted Average Diluted Shares	104.62M	104.62M	104.62M	95.75M	95.75M	95.74M	95.52M	95.49M	95.48M

Annual Income Statement (USD)

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Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	1.26B	1.23B	1.12B	774.65M	654.72M	714.09M	738.95M	643.76M
Cost of Goods Sold	397.52M	437.74M	318.34M	77.58M	12.98M	139.01M	153.76M	106.01M
Gross Profit	861.82M	787.92M	797.09M	697.07M	641.75M	575.08M	585.19M	537.76M
Gross Profit Margin	68.4%	64.3%	71.5%	90.0%	98.0%	80.5%	79.2%	83.5%
Total Operating Expenses	540.55M	519.60M	478.49M	455.35M	400.81M	390.66M	342.33M	323.54M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	374.20M	368.94M	346.83M	305.67M	259.54M	248.30M	243.09M	231.80M
Operating Income (EBIT)	321.27M	268.32M	318.60M	241.72M	240.93M	184.41M	242.86M	214.22M
Operating Margin	25.5%	21.9%	28.6%	31.2%	36.8%	25.8%	32.9%	33.3%
Income Before Tax (EBT)	321.27M	268.32M	318.60M	241.72M	240.93M	184.41M	242.86M	214.22M
Interest Income	1.00B	1.00B	903.00M	585.01M	483.22M	524.96M	607.58M	540.38M
Interest Expense	359.86M	390.08M	275.23M	65.86M	31.10M	68.45M	123.32M	91.15M
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	255.60M	228.83M	255.86M	217.61M	205.16M	155.81M	198.07M	172.59M
Income Tax Expense	65.67M	39.49M	62.73M	24.11M	35.77M	28.60M	44.79M	41.63M
Net Profit Margin	20.3%	18.7%	22.9%	28.1%	31.3%	21.8%	26.8%	26.8%
EBITDA	343.36M	306.74M	356.39M	280.53M	280.49M	225.65M	271.00M	238.39M
EBITDA Margin	27.3%	25.0%	32.0%	36.2%	42.8%	31.6%	36.7%	37.0%
Depreciation & Amortization	22.09M	38.42M	37.80M	38.81M	39.56M	41.23M	28.14M	24.17M
EPS Basic	2.69	2.42	2.72	2.33	2.16	1.60	2.01	1.95
EPS Diluted	2.66	2.40	2.69	2.30	2.14	1.59	2.00	1.93
Weighted Average Basic Shares	94.89M	94.41M	93.94M	93.53M	95.03M	97.36M	98.31M	88.58M
Weighted Average Diluted Shares	95.75M	95.41M	95.10M	94.59M	95.90M	98.09M	98.85M	89.61M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.