FIRST FINANCIAL BANCORP /OH/

FFBC

FIRST FINANCIAL BANCORP /OH/

FFBC

Insider Sentiment (TTM):

Last Purchase:2025-09-30Last Sale:2026-06-08Shares Purchased (TTM):618Shares Sold (TTM):88,232.33

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:84,263,479Shares Outstanding:103,705,269Institutional Ownership Pct.:81.25%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Commercial Portfolio Segment	-	4,694	4,632	-89	3,919	9	3,816	-104	191	3,591	3,501	-12
Finance Leases Portfolio Segment	-	650	639	10	574	13	598	1	2	12	475	3
Construction Loans	-	591	677	-105	722	11	779	0	6	13	565	-1
Commercial Real Estate Portfolio Segment	-	4,473	4,385	87	3,927	35	4,062	1	-0	34	4,081	1
Residential Portfolio Segment	-	1,831	1,832	2	1,491	2	1,462	0	1	18	1,334	2
Home Equity	-	1,027	1,005	33	903	0	849	1	1	13	759	1
Consumer Portfolio Segment	-	162	189	-7	113	3	133	-0	-0	5	159	0
Credit Card Receivables	-	66	65	-2	62	3	62	-0	-0	2	60	-0
Financing Receivable Excluding Accrued Interest Be…	-	13,495	13,424	11,715	11,786	11,724	11,762	11,553	11,521	11,205	10,933	10,647
Loans And Leases Receivable Net Of Deferred Income	-	-	-	-	-	-	-	-	-	-	10,933	-
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	-	-141	-
Financing Receivable Allowance For Credit Loss Exc…	-	-184	-186	-162	-159	-155	-157	-159	-156	-144	-141	-145
Financing Receivable Excluding Accrued Interest Af…	-	13,311	13,238	11,553	11,628	11,569	11,605	11,394	11,365	11,061	10,792	10,502
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	-	-	-	10,792	-
Property Plant And Equipment And Finance Lease Rig…	-	-	205	-	-	-	198	-	-	-	-	-
Assets
Cash And Due From Banks	206	171	179	175	210	191	174	191	194	199	213	220
Interest Bearing Deposits In Banks	579	1,032	597	565	570	633	730	661	739	751	793	453
Available For Sale Securities Debt Securities	4,734	4,953	3,972	3,423	3,387	3,261	3,184	3,157	3,037	2,851	3,021	3,044
Held To Maturity Securities	46	50	59	72	73	76	77	78	79	80	80	81
Other Investments	138	137	130	117	122	121	115	120	132	126	130	134
Loans Receivable Held For Sale Net Not Part Of Dis…	33	18	17	21	27	18	13	13	17	12	9	12
Loans And Leases Receivab…
Property Plant And Equipment Excluding Lessor Asse…	230	228	-	198	198	198	198	197	198	198	195	193
Property Subject To Or Available For Operating Lea…	242	220	214	215	217	214	209	201	167	161	153	137
Goodwill	1,100	1,100	1,100	1,008	1,008	1,008	1,008	1,008	1,008	1,008	1,006	1,006
Other Finite Lived Intangible Assets Gross	-	-	-	-	-	-	-	-	84	86	84	86
Intangible Assets Net Excluding Goodwill	141	146	119	74	75	77	79	82	-	-	84	-
Interest Receivable And Other Assets	-	-	1,302	-	-	-	1,178	-	-	-	1,057	-
Other Assets	1,446	1,414	-	1,135	1,120	1,090	-	1,046	1,147	1,067	-	1,187
Assets	22,440	22,780	21,129	18,555	18,634	18,455	18,570	18,146	18,166	17,599	17,533	17,055
Liabilities
Deposits
Interest Bearing Deposit Liabilities Domestic	3,804	3,658	3,361	2,983	3,057	3,005	3,096	2,885	2,923	2,917	2,993	2,881
Deposits Savings Deposits	6,424	6,461	5,974	5,029	4,979	4,887	4,949	4,710	4,628	4,468	4,331	4,023
Time Deposits	3,650	3,817	3,622	3,294	3,202	3,144	3,152	3,245	3,050	2,897	2,718	2,573
Interest Bearing Deposit Liabilities	13,878	13,936	12,956	11,306	11,238	11,036	11,197	10,840	10,600	10,281	10,043	9,477
Noninterest Bearing Deposit Liabilities	3,705	3,983	3,465	3,128	3,132	3,161	3,132	3,108	3,061	3,176	3,318	3,439
Deposits	17,583	17,919	16,422	14,433	14,370	14,197	14,329	13,948	13,662	13,457	13,361	12,916
Federal Home Loan Bank Advances Maturities Summary…	570	550	675	550	680	735	625	765	1,040	700	800	755
Other Short Term Borrowings	40	70	0	45	5	65	130	47	139	162	138	219
Short Term Borrowings	610	620	675	595	685	800	755	812	1,179	862	938	974
Long Term Debt	383	380	514	222	345	346	348	344	339	343	344	341
Debt And Capital Lease Obligations	992	1,001	1,189	817	1,030	1,146	1,103	1,156	1,518	1,205	1,282	1,315
Other Liabilities	877	920	749	672	676	611	700	592	660	650	622	695
Liabilities	19,452	19,839	18,360	15,923	16,076	15,954	16,132	15,696	15,840	15,312	15,265	14,925
Common Stock Shares Authorized	160	160	160	160	160	160	160	160	160	160	160	160
Stockholders Equity
Common Stock Value	1,792	1,790	1,648	1,641	1,639	1,637	1,642	1,639	1,636	1,633	1,639	1,636
Retained Earnings Accumulated Deficit	1,536	1,486	1,437	1,400	1,352	1,305	1,276	1,234	1,205	1,166	1,137	1,102
Accumulated Other Comprehensive Income Loss Net Of…	-224	-217	-190	-223	-246	-254	-290	-232	-323	-321	-310	-410
Treasury Stock Value	-117	-117	-126	-186	-186	-187	-191	-191	-191	-191	-198	-198
Stockholders Equity	2,987	2,941	2,769	2,632	2,558	2,501	2,438	2,450	2,326	2,287	2,268	2,130
Liabilities And Stockholders Equity	22,440	22,780	21,129	18,555	18,634	18,455	18,570	18,146	18,166	17,599	17,533	17,055
Common Stock Shares Issued	110	110	104	104	104	104	104	104	104	104	104	104
Held To Maturity Securities Fair Value	42	45	54	66	66	69	69	71	70	71	72	70
Available For Sale Debt Securities Amortized Cost …	4,987	5,199	4,182	3,670	3,664	3,546	3,513	3,418	3,410	3,221	3,383	3,526
Common Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0
Treasury Stock Common Shares	5	5	6	9	9	9	9	9	9	9	9	9

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	0.52%	11.30%	11.59%	-	-	-	-	-	-	-	-	-
2025	0.37%	2.18%	4.32%	12.44%	10.68%	3.27%	5.51%	10.18%	14.98%	-9.34%	-1.02%	3.05%
2024	-5.31%	-4.66%	20.52%	10.33%	3.41%	1.62%	4.98%	-2.91%	-0.61%	-8.87%	-19.14%	-11.73%
2023	-	-	-	-	-	-	1.44%	20.06%	15.43%	-1.33%	-2.21%	9.52%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	13.88	13.90	14.24	15.14	14.55	3.36	2.33	1.97	1.81	1.92	2.16	2.47
Efficiency & Turnover
Days Sales Outstanding TTM	-	12.05	23.25	-0.34	11.26	0.91	22.26	-0.10	-0.02	0.96	22.59	-0.62
Receivables Turnover TTM	-	30.30	15.70	-1,064.81	32.41	400.49	16.39	-3,811.03	-15,180.05	379.28	16.16	-588.49
Per Share Metrics
Diluted EPS TTM	2.72	2.66	2.66	2.70	2.49	2.40	2.40	2.31	2.42	2.48	2.69	2.82
Free Cash Flow Per Share TTM	7.28	7.72	3.33	2.85	2.83	2.84	2.55	3.01	3.02	3.40	4.93	3.99
Dividend Per Share TTM	0.97	0.94	0.99	0.98	0.97	0.96	0.95	0.94	0.93	0.92	0.93	0.93
Margin Metrics
Gross Profit Margin TTM	66.22%	65.37%	64.08%	62.99%	62.06%	61.14%	61.07%	50.30%	51.60%	53.82%	56.90%	73.95%
Operating Profit Margin TTM	25.83%	26.07%	24.17%	24.50%	21.74%	20.29%	20.10%	20.37%	22.29%	23.66%	27.38%	28.93%
Net Profit Margin TTM	26.44%	26.70%	25.51%	26.12%	23.98%	22.90%	22.84%	22.31%	23.99%	25.25%	28.33%	31.39%
Growth Metrics
Net Revenue Growth (1Y)	8.43%	4.20%	-0.02%	-0.08%	3.22%	7.13%	10.97%	15.74%	23.98%	37.56%	54.36%	66.58%
Net Income Growth (1Y)	19.53%	21.50%	11.70%	16.96%	3.17%	-2.84%	-10.57%	-17.72%	-11.34%	-4.28%	17.58%	37.22%
EPS Growth (1Y)	9.09%	10.88%	10.67%	16.44%	2.71%	-3.28%	-11.01%	-18.11%	-11.82%	-4.78%	17.06%	36.56%
Valuation Metrics
P/E TTM	12.33	10.29	9.17	9.03	9.30	9.83	10.49	10.14	8.44	8.23	7.94	6.19
P/B TTM	1.18	0.98	0.85	0.89	0.87	0.90	0.98	0.91	0.84	0.85	0.90	0.78
P/S TTM	3.26	2.75	2.34	2.36	2.23	2.25	2.40	2.26	2.02	2.08	2.25	1.94
Market Cap	3.52B	2.87B	2.34B	2.33B	2.22B	2.26B	2.40B	2.24B	1.95B	1.94B	2.03B	1.66B
Enterprise Value	4.30B	3.70B	3.35B	2.97B	3.04B	3.21B	3.33B	3.20B	3.28B	2.95B	3.10B	2.75B
Calculated Values
Free Cash Flow TTM	756.43M	800.20M	317.10M	270.04M	268.71M	268.64M	241.08M	284.19M	285.38M	319.93M	462.83M	375.29M
Net Debt	785.72M	829.99M	1.01B	642.33M	819.47M	955.06M	928.70M	965.12M	1.32B	1.01B	1.07B	1.09B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-08Sale

Owner: Brown, Archie M

Title: President & CEO

Shares: 10,000

Price/Share: $30.93

Value: $309,300.00

Shares Owned: 243,758

Relationship: Director,Officer

Ownership: Direct

2026-05-29Sale

Owner: Morris, Dawn C

Title: -

Shares: 740

Price/Share: $30.90

Value: $22,866.00

Shares Owned: 9,548

Relationship: Director

Ownership: Direct

2026-05-01Sale

Owner: Davis, Claude E

Title: -

Shares: 26,123

Price/Share: $30.45

Value: $795,445.35

Shares Owned: 30,410

Relationship: Director,Other

Ownership: Direct

2026-04-29Sale

Owner: Anderson, James M

Title: Chief Financial Officer

Shares: 4,263

Price/Share: $30.00

Value: $127,890.00

Shares Owned: 118,537

Relationship: Officer

Ownership: Direct

2026-03-16Sale

Owner: Shank, James R

Title: Chief Internal Auditor

Shares: 3,420

Price/Share: $27.10

Value: $92,682.00

Shares Owned: 11,140

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-08	Brown, Archie M	Director,Officer	President & CEO	Direct	Sale	10,000	30.93	$309,300.00	243,758	4
2026-05-29	Morris, Dawn C	Director	-	Direct	Sale	740	30.90	$22,866.00	9,548	4
2026-05-01	Davis, Claude E	Director,Other	-	Direct	Sale	26,123	30.45	$795,445.35	30,410	4
2026-04-29	Anderson, James M	Officer	Chief Financial Officer	Direct	Sale	4,263	30.00	$127,890.00	118,537	4
2026-03-16	Shank, James R	Officer	Chief Internal Auditor	Direct	Sale	3,420	27.10	$92,682.00	11,140	4
2026-02-27	Shank, James R	Officer	Chief Internal Auditor	Direct	Sale	320	28.24	$9,036.80	10,821	4
2026-02-13	Woods, Karen B	Officer	General Counsel & CAO	Direct	Sale	10,000	30.28	$302,800.00	63,954	4
2026-02-04	Dennen, Richard S	Officer	Chief Corp. Banking Officer	Direct	Sale	20,000	30.20	$604,000.00	61,856	4
2026-02-02	Harris, Gregory A	Officer	President, Wealth Management	Direct	Sale	1,821	29.43	$53,592.03	42,431	4
2025-12-16	Brown, Archie M	Director,Officer	President & CEO	Direct	Sale	11,500	26.80	$308,200.00	229,391	4/A
2025-11-05	Warzala, Gary W	Director	-	Direct	Sale	45	23.52	$1,066.16	12,522	5
2025-09-30	Arvia, Anne L	Director	-	Direct	Purchase	618	25.25	$15,604.50	9,551	4
2025-08-25	Myers, Malcolm A	Officer	Chief Transformation Officer	Indirect	Sale	1,017	26.51	$26,956.16	0	5
2025-08-22	Obrien, Thomas Murray	Director	-	Indirect	Sale	7,383	26.54	$195,944.82	46,480	4
2025-08-14	Brown, Archie M	Director,Officer	President & CEO	Direct	Sale	12,500	24.79	$309,875.00	240,891	4
2025-05-30	Morris, Dawn C	Director	-	Direct	Sale	787	24.15	$19,006.05	7,960	4
2025-05-01	Morris, Dawn C	Director	-	Direct	Sale	880	23.38	$20,574.40	5,790	4
2025-04-30	Booth, Cynthia O	Director	-	Direct	Sale	18,609	22.91	$426,332.19	19,602	4
2025-03-19	Shank, James R	Officer	Chief Internal Auditor	Direct	Sale	7,600	24.92	$189,392.00	11,141	4
2024-11-26	Harris, Gregory A	Officer	President, Wealth Management	Direct	Sale	5,400	29.81	$160,974.00	37,879	4
2024-11-25	Dennen, Richard S	Officer	Chief Corp. Banking Officer	Direct	Sale	4,068	30.01	$122,080.68	70,652	4
2024-11-25	Anderson, James M	Officer	Chief Financial Officer	Direct	Sale	7,632	30.65	$233,920.80	94,889	4
2024-11-13	Dennen, Richard S	Officer	Chief Corp. Banking Officer	Direct	Sale	932	30.00	$27,960.00	74,720	4
2024-11-11	Dennen, Richard S	Officer	Chief Corp. Banking Officer	Direct	Sale	5,000	29.76	$148,800.00	75,652	4
2024-11-07	Obrien, Thomas Murray	Director	-	Indirect	Sale	11,245	28.63	$321,944.35	50,715	4
2024-11-06	Berta, Vince	Director	-	Indirect	Sale	10,000	29.59	$295,900.00	25,945	4
2024-11-06	Crawley, Scott T	Officer	Controller & Prin Actg Officer	Direct	Sale	3,000	29.31	$87,930.00	19,279	4
2024-10-30	Shank, James R	Officer	Chief Internal Auditor	Direct	Sale	3,700	26.34	$97,458.00	15,374	4
2024-10-29	Booth, Cynthia O	Director	-	Direct	Sale	7,700	26.04	$200,508.00	37,632	4
2024-08-29	Davis, Claude E	Director,Other	-	Direct	Sale	29,000	26.60	$771,400.00	53,576	4
2024-07-30	Dennen, Richard S	Officer	Chief Corp. Banking Officer	Direct	Sale	12,500	27.43	$342,875.00	80,652	4
2024-05-15	Dennen, Richard S	Officer	Chief Corp. Banking Officer	Direct	Sale	10,500	23.64	$248,220.00	93,152	4
2023-12-19	Barron, William G	Director	-	Direct	Sale	14,214	23.94	$340,283.16	74,280	4
2023-08-18	Dennen, Richard S	Officer	Chief Corp. Banking Officer	Direct	Sale	11,640	21.53	$250,609.20	90,350	4
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Institutional Ownership

No data available for chart

2026-03-31

81.25%

Inst. Shares: 84,263,479

Shares Outstanding: 103,705,269

2025-12-31

82.10%

Inst. Shares: 78,231,023

Shares Outstanding: 95,284,550

2025-09-30

79.84%

Inst. Shares: 75,763,983

Shares Outstanding: 94,889,341

2025-06-30

78.10%

Inst. Shares: 74,086,900

Shares Outstanding: 94,860,428

2025-03-31

78.88%

Inst. Shares: 74,652,110

Shares Outstanding: 94,645,787

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	84,263,479	103,705,269	81.25%
2025-12-31	78,231,023	95,284,550	82.10%
2025-09-30	75,763,983	94,889,341	79.84%
2025-06-30	74,086,900	94,860,428	78.10%
2025-03-31	74,652,110	94,645,787	78.88%
2024-12-31	75,218,964	94,404,617	79.68%
2024-09-30	72,867,649	94,473,666	77.13%
2024-06-30	72,016,101	94,438,235	76.26%
2024-03-31	70,965,463	94,218,067	75.32%
2023-12-31	71,124,461	93,938,772	75.71%
2023-09-30	69,240,436	94,030,275	73.64%
2023-06-30	70,060,122	93,924,068	74.59%
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FIRST FINANCIAL BANCORP /OH/ (FFBC) — SEC Financial Statements & Analysis

FIRST FINANCIAL BANCORP /OH/ (FFBC) is a national commercial banks company, incorporated in OH. FIRST FINANCIAL BANCORP /OH/ trades on Nasdaq as: FFBC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FIRST FINANCIAL BANCORP /OH/ reported a 8.43% year-over-year revenue growth, a Gross Profit Margin of 66.22% (TTM), a Price-to-Sales (P/S) ratio of 3.26x (TTM), a Price-to-Book (P/B) ratio of 1.18x (TTM), at a market cap of $3.52B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 8.43%
Gross Profit Margin TTM: 66.22%
P/S TTM: 3.26x
P/B TTM: 1.18x
Market Cap: $3.52B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is FIRST FINANCIAL BANCORP /OH/ in?

FIRST FINANCIAL BANCORP /OH/ (FFBC) operates in the National Commercial Banks industry.

What is FFBC's market cap?

FIRST FINANCIAL BANCORP /OH/ (FFBC) has a market capitalization of $3.52B as of 2026-06-30.

What is FFBC's P/E ratio?

FIRST FINANCIAL BANCORP /OH/ (FFBC)'s trailing twelve month P/E ratio is 12.33x as of 2026-06-30.

What exchange does FFBC trade on?

FIRST FINANCIAL BANCORP /OH/ (FFBC) trades on the Nasdaq.

Where is FIRST FINANCIAL BANCORP /OH/ incorporated?

FIRST FINANCIAL BANCORP /OH/ is incorporated in OH.