First Financial Bancorp

FFBC · Nasdaq · Financials · Financials, fiscal 2016 to 2025

FFBC · Last close · November 6, 2026

$32.57

First Financial Bancorp's revenue rose 7.7% to $900 million in fiscal 2025. Net income was $256 million, up 11.7%. Its return on equity was 9.8%, up from 9.7% a year earlier. Its efficiency ratio was 60.1%, down from 62.2% a year earlier. It paid out $95 million in dividends and buybacks. The diluted share count rose 0.8%.

FIRST FINANCIAL BANCORP /OH/ Latest fiscal year ended December 31, 2025 10-K filed February 19, 2026 · 0000708955-26-000028 Updated November 6, 2026

Revenue

$900M

7.7%

Net income

$256M

11.7%

Return on equity

9.8%

0.1 pts

Return on tangible equity

17.6%

0.5 pts

Efficiency ratio

60.1%

2.1 pts

Market cap

$3.4B

Nov 6 close

P/E

11.4x

On $2.85 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

What First Financial Bancorp does

First Financial Bancorp is a financial holding company based in Cincinnati, Ohio. Its subsidiary, First Financial Bank, was founded in 1863 and is chartered in Ohio. The bank serves individuals and businesses with commercial lending, real estate lending and consumer financing, along with deposit accounts, cash management services, and trust and wealth management.

Its real estate loans are secured by homes or by commercial property such as apartments, shopping centers and offices. Commercial and industrial loans cover business needs such as inventory, receivables and equipment. The bank also does lease and equipment financing through its Summit Funding Group subsidiary, and lends across the U.S. to restaurant franchisees through First Franchise Capital and to the insurance industry, investment advisors, accountants and indirect auto finance companies through Oak Street Funding.

As with other banks, it earns money from the interest on its loans, and it also earns fees. In August 2025 it agreed to merge with BankFinancial Corporation.

Its biggest risks, as it describes them

Policy changes by the Federal Reserve that affect banks, the money supply or credit conditions.
Loan defaults and foreclosures, which no bank can avoid.
Failures of its systems, employees or counterparties.
Fraud and cybersecurity incidents that could bring liability and harm its reputation.
Needing to borrow more if deposits fall.

From First Financial Bancorp's annual report on Form 10-K, filed February 19, 2026, in our words; the 10-K has the full description and every risk factor. Updated with each new annual report.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2025, earnings per share grew 7.1% a year and net income 12.5% a year, as new shares raised the share count by 55% and diluted each share's earnings.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	9,156	10,166	10,792	11,605	13,238
Deposits	12,872	12,701	13,361	14,329	16,422
Loans to deposits	71.1%	80.0%	80.8%	81.0%	80.6%
Provision for credit losses	−18	12	43	48	38
Provision to average loans	−0.2%	0.1%	0.4%	0.4%	0.3%
Total assets	16,329	17,003	17,533	18,570	21,129
Shareholders' equity	2,259	2,041	2,268	2,438	2,769

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project First Financial Bancorp's revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open First Financial Bancorp's projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, no insider bought First Financial Bancorp shares on the open market, and 10 insiders sold $3.5 million.

Buys and sells by month

US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.

BoughtSold

Date	Insider	Trade	Shares	Price	Value	Filing
Sep 3, 2026	Archie M BrownPresident & CEO, Director	Sold	5,000	$32.93	$164,650	Form 4
Aug 26, 2026	Thomas Murray ObrienDirector	Sold	16,088	$32.77	$527,204	Form 4
Aug 3, 2026	Scott T CrawleyController & Prin Actg Officer	Sold	2,700	$34.16	$92,232	Form 4
Jul 31, 2026	James M AndersonChief Financial Officer	Sold	4,000	$33.73	$134,920	Form 4
Jun 8, 2026	Archie M BrownPresident & CEO, Director	Sold	10,000	$30.93	$309,300	Form 4
May 29, 2026	Dawn C MorrisDirector	Sold	740	$30.90	$22,866	Form 4
May 1, 2026	Claude E DavisDirector	Sold	26,123	$30.45	$795,445	Form 4
Apr 29, 2026	James M AndersonChief Financial Officer	Sold	4,263	$30.00	$127,890	Form 4
Mar 16, 2026	James R ShankChief Internal Auditor	Sold	3,420	$27.10	$92,682	Form 4
Feb 27, 2026	James R ShankChief Internal Auditor	Sold	320	$28.24	$9,037	Form 4
Feb 13, 2026	Karen B WoodsGeneral Counsel & CAO	Sold	10,000	$30.28	$302,800	Form 4
Feb 4, 2026	Richard S DennenChief Corp. Banking Officer	Sold	20,000	$30.20	$604,000	Form 4

The latest 12 of 14 trades. Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put First Financial Bancorp side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

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First Financial Bancorp	FY25	7.7%	28.4%	9.8%	17.6%	60.1%
First Hawaiian	FY25	8.9%	31.4%	10.3%	16.3%	56.7%	Compare
Provident Financial Services	FY25	25.3%	33.5%	10.7%	13.9%	52.7%	Compare
Independent Bank	FY25	24.3%	23.9%	6.2%	9.5%	61.8%	Compare
Intl Bancshares	FY25	1.0%	49.0%	13.6%	15.0%	36.4%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	342	360	553	616	646	624	709	840	836	900
Revenue growth	6.4%	5.1%	53.6%	11.4%	4.9%	−3.4%	13.7%	18.5%	−0.6%	7.7%
Net interest income	273	284	449	484	456	452	519	628	612	642
Noninterest income	70	76	103	131	189	172	190	212	224	257
Noninterest expense	201	240	324	342	391	401	455	478	520	540
Provision for credit losses	10	4	15	31	71	−18	12	43	48	38
Net income	88	97	173	198	156	205	218	256	229	256
Diluted EPS (US$)	1.43	1.56	1.93	2.00	1.59	2.14	2.30	2.69	2.40	2.66
Diluted shares (millions)	62	62	90	99	98	96	95	95	95	96
Payouts
Dividends paid	39	41	80	89	90	87	87	87	90	95
Share buybacks	0	0	0	66	17	108	0	0	0	0
Balance sheet at fiscal year end
Loans, net	5,700	5,959	8,768	9,144	9,725	9,156	10,166	10,792	11,605	13,238
Deposits	6,526	6,895	10,140	10,210	12,232	12,872	12,701	13,361	14,329	16,422
Total assets	8,438	8,897	13,987	14,512	15,973	16,329	17,003	17,533	18,570	21,129
Shareholders' equity	865	931	2,078	2,248	2,282	2,259	2,041	2,268	2,438	2,769
Ratios
Return on equity	10.6%	10.8%	11.5%	9.2%	6.9%	9.0%	10.1%	11.9%	9.7%	9.8%
Return on tangible common equity	14.1%	14.1%	18.4%	16.1%	11.7%	15.8%	18.9%	23.1%	18.1%	17.6%
Return on assets	1.1%	1.1%	1.5%	1.4%	1.0%	1.3%	1.3%	1.5%	1.3%	1.3%
Efficiency ratio	58.8%	66.7%	58.5%	55.6%	60.5%	64.3%	64.2%	57.0%	62.2%	60.1%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: First Financial Bancorp's Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with First Financial Bancorp.