First Financial Bancorp.
Description
First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking, savings, and money-market accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for 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 comprising 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 commercial financing 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; and currency payments, foreign exchange hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.
About
CEO
Mr. Archie M. Brown Jr.
Employees
2,084
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNGS
Address
255 East Fifth Street, Cincinnati, OH 45202, United States
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![Enlarged Chart]()
Oscillators
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Summary
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Moving Averages
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Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 21, 2026 | — | — | — | — |
| Oct 22, 2025 | — | — | — | — |
| Jul 23, 2025 | — | — | — | — |
| Apr 24, 2025 | — | — | — | — |
| Jan 24, 2025 | 0.65 | 0.68 | 0.03 | 4.62% |
Earnings estimate
|
Current Quarter
(Mar 2025)
|
Next Quarter
(Jun 2025)
|
Current Year
(Dec 2025)
|
Next Year
(Dec 2026)
|
|
|---|---|---|---|---|
| Number of analysts | 5 | 5 | 5 | 5 |
| Average estimate | 0.63 | 0.64 | 2.61 | 2.74 |
| Low estimate | 0.60 | 0.61 | 2.50 | 2.60 |
| High estimate | 0.65 | 0.67 | 2.71 | 2.85 |
| Last year EPS | 0.59 | 0.65 | 2.61 | 2.61 |
[stock_revenue_estimate]
Growth estimates
Current qtr (Mar 2025)
6.100%
Next qtr. (Jun 2025)
-1.540%
Current year (Dec 2025)
0.080%
Next year (Dec 2026)
4.980%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 840.19M | 708.78M | 623.62M | 645.63M | 615.63M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 346.83M | 305.67M | 259.54M | 248.30M | 243.09M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 318.60M | 241.72M | 240.93M | 184.41M | 242.86M |
| Tax provision | 62.73M | 24.11M | 35.77M | 28.60M | 44.79M |
| Net income | 255.86M | 217.61M | 205.16M | 155.81M | 198.08M |
| Basic EPS | 2.72 | 2.33 | 2.16 | 1.60 | 2.01 |
| Diluted EPS | 2.69 | 2.30 | 2.14 | 1.59 | 2.00 |
| Basic average shares | 93.94M | 93.53M | 95.03M | 97.36M | 98.31M |
| Diluted average shares | 93.94M | 93.53M | 95.03M | 97.36M | 98.31M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 255.86M | 217.61M | 205.16M | 155.81M | 198.08M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 213.06M | 207.50M | 220.03M | 231.05M | 200.69M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 1.01B | 595.68M | 434.84M | 251.36M | 257.64M |
| Other short term investments | 3.02B | 3.41B | 4.21B | 3.42B | 2.85B |
| Accounts receivable | — | 1.22B | 940.31M | 1.06B | 747.85M |
| Other receivables | 462.45M | 232.55M | 109.62M | 72.99M | 88.36M |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 153.21M | 91.74M | 60.81M | — | — |
| Land and improvements | 48.58M | 49.02M | 49.40M | 52.37M | 54.96M |
| Machinery furniture equipment | 72.58M | 69.86M | 70.85M | 70.18M | 74.88M |
| Construction in progress | 8.41M | 5.64M | 8.15M | 8.43M | 4.10M |
| Leases | 32.06M | 32.52M | 30.19M | 29.53M | 31.73M |
| Accumulated depreciation | -129.31M | -125.57M | -120.88M | -114.67M | -114.43M |
| Goodwill | 2.10B | 2.10B | 2.11B | 1.94B | 1.95B |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 83.95M | 93.92M | 104.37M | 64.55M | 76.20M |
| Investments and advances | 3.23B | 3.64B | 4.41B | 3.69B | 3.12B |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | — | 626.94M | 492.21M | 516.27M | 323.13M |
| Accrued expenses | — | — | — | — | — |
| Short term debt | 937.81M | 1.29B | 268.03M | — | 1.15B |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 344.12M | 346.67M | 386.80M | 341.22M | 414.38M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 1.64B | 1.63B | 1.64B | 1.64B | 1.64B |
| Retained earnings | 1.14B | 968.24M | 837.47M | 720.43M | 711.25M |
| Other shareholders equity | -309.82M | -358.66M | -433,000 | 48.66M | 13.32M |
| Total shareholders equity | 2.27B | 2.04B | 2.26B | 2.28B | 2.25B |
| Additional paid in capital | — | — | — | — | — |
| Treasury stock | 197.90M | 202.81M | 218.46M | 125.97M | 117.64M |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||||||||||
| Net Income | 255.86M | 217.61M | 205.16M | 155.81M | 198.08M | 172.60M | 96.79M | 88.53M | 75.06M | 65.00M | 48.35M | 67.30M | 66.74M | 59.25M | 221.34M | 22.96M | 35.68M | 21.27M | 37.93M | 41.12M | 37.91M | 48.24M | 43.31M | 58.22M | 50.30M | 51.00M | 46.80M | 33.90M | 31.80M | 28.20M | 24.30M | 19.50M | 16.60M |
| Depreciation | 37.80M | 38.81M | 39.56M | 41.23M | 28.14M | 24.17M | 12.65M | 13.04M | 13.27M | 12.79M | 14.27M | 15.83M | 11.95M | 10.98M | — | 6.68M | 8.08M | 8.48M | 10.59M | 8.98M | 19.48M | 10.32M | 8.81M | 2.18M | 9.20M | 9.60M | 6.60M | 4.70M | 5.10M | 5.70M | 5.90M | 3.60M | 3.30M |
| Deferred Taxes | 13.37M | -3.51M | 12.09M | -8.38M | 12.59M | 6.27M | -4.49M | 346,000 | 4.19M | -22.41M | -25.33M | -14.09M | -14.46M | -11.46M | 116.40M | -4.21M | -3.34M | 14.36M | -778,000 | 2.72M | 1.37M | -7.52M | 79,000 | 9.18M | 2.10M | 2.70M | -100,000 | 700,000 | 200,000 | 1.40M | -500,000 | 1.40M | -100,000 |
| Stock-Based Compensation | 14.90M | 13.38M | 9.64M | 7.68M | 7.97M | 6.22M | 5.45M | 5.35M | 4.05M | 3.97M | 3.80M | 4.19M | 3.94M | 3.08M | 2.80M | 2.44M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | -4.28M | -3.56M | 21.89M | 12.53M | 5.53M | 9.60M | 5.50M | 14.30M | -4.82M | -574,000 | 6.53M | 9.45M | 8.72M | -80.30M | 25.28M | 4.91M | 23.97M | -22.32M | 4.16M | -2.89M | 3.85M | 4.30M | 23.30M | 375,000 | -7.20M | -200,000 | 4.20M | -2.80M | 1.90M | 1.20M | 6.70M | 7.00M | 5.80M |
| Accounts Receivable | -9.57M | -19.13M | 6.46M | -9.70M | 2.12M | -3.81M | -5.71M | -1.46M | -995,000 | -1.90M | -1.18M | 3.27M | -1.44M | 8.58M | -7.42M | 4.30M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Accounts Payable | 40.31M | 6.65M | -1.89M | -7.43M | 1.55M | 5.21M | 55,000 | 46,000 | 2.30M | 30,000 | -350,000 | -1.69M | -1.85M | 757,000 | -1.27M | -2.64M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Assets & Liabilities | 96.94M | -62.10M | 114.46M | -114.20M | -97.69M | 19.50M | 6.35M | 12.02M | -10.01M | -3.59M | 96.68M | 65.36M | 60.32M | 86.35M | -3.24M | -3.60M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Cash Flow | 445.32M | 188.15M | 407.36M | 77.55M | 158.28M | 239.76M | 116.59M | 132.18M | 83.05M | 53.32M | 142.78M | 149.63M | 133.90M | 77.24M | 353.88M | 30.84M | 64.39M | 21.79M | 51.90M | 49.93M | 62.61M | 55.34M | 75.50M | 69.95M | 54.40M | 63.10M | 57.50M | 36.50M | 39.00M | 36.50M | 36.40M | 31.50M | 25.60M |
| Investing Activities | |||||||||||||||||||||||||||||||||
| Capital Expenditures | -85.61M | -43.25M | -15.33M | -16.47M | -20.93M | -18.23M | -6.54M | -9.73M | -7.47M | -10.61M | -7.30M | -25.50M | -23.54M | -22.79M | -7.52M | -10.10M | -7.58M | -15.65M | -12.42M | -13.70M | -8.62M | -3.28M | -8.11M | -5.46M | -8.40M | -8.70M | -4.20M | -4.40M | -3.60M | -4.40M | -4.80M | -2.90M | -6.60M |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | -3.54M | — | -109.02M | — | -51.55M | 23.70M | — | — | -305.59M | 34.30M | — | — | 620.64M | — | 1.25B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Purchase of Investments | -113.04M | -682.48M | -2.43B | -1.61B | -846.86M | -897.53M | -748.89M | -412.42M | -551.42M | -288.28M | -447.51M | -1.03B | -1.03B | -619.56M | -113.40M | -368.15M | -47.23M | -37.46M | -193.38M | -105.08M | -673.78M | -272.91M | -253.19M | -83.51M | -137.80M | -338.20M | -257.10M | -136.50M | -118.90M | -151.10M | -76.50M | -74.00M | -154.50M |
| Sale of Investments | 566.62M | 996.03M | 1.59B | 1.10B | 1.09B | 715.82M | 536.56M | 525.01M | 331.23M | 373.40M | 437.15M | 663.62M | 520.13M | 169.67M | 338.77M | 111.35M | 63.34M | 274.67M | 155.16M | 215.07M | 500.81M | 246.07M | 232.61M | 77.83M | 188.60M | 348.50M | 237.80M | 198.70M | 154.40M | 229.90M | 117.80M | 120.30M | 101.50M |
| Investing Cash Flow | 369.37M | 277.35M | -959.80M | -525.40M | 176.34M | -172.44M | -211.89M | 112.22M | -517.43M | 139.38M | 9.67M | -356.82M | 471.34M | -83.97M | 1.21B | -454.53M | -104.55M | 336.24M | 213.24M | -2.34M | -253.66M | 87.41M | 74.37M | -34.40M | -353.30M | -307.10M | -50.40M | -40.10M | -13.70M | -104.70M | -7.80M | 44.00M | 2.10M |
| Financing Activities | |||||||||||||||||||||||||||||||||
| Long-Term Debt Issuance | — | — | — | 1.04B | — | 150.00M | — | — | 120.00M | — | — | — | — | — | — | 115.00M | — | — | — | 27.88M | 52.93M | 39.71M | 55.13M | 43.42M | 41.00M | 74.20M | 36.40M | 5.00M | — | — | — | — | — |
| Long-Term Debt Payments | -3.31M | -64.02M | -463.38M | -681.51M | -159.65M | -52.46M | -94,000 | -86,000 | -46.24M | -33.22M | -14.39M | -1.31M | -72.93M | -255.49M | -479.21M | -12.73M | -27.87M | -222.89M | -43.70M | — | — | — | — | — | — | -400,000 | -400,000 | -1.30M | -900,000 | -4.00M | -300,000 | -900,000 | -100,000 |
| Other Financing Charges | — | — | — | — | — | — | — | 264,000 | 146,000 | 153,000 | 686,000 | 438,000 | 259,000 | 535,000 | -189,000 | -14,000 | 69,000 | -475,000 | -99.33M | — | — | — | — | — | — | — | -100,000 | — | — | — | -2.20M | — | -100,000 |
| Financing Cash Flow | -439.81M | 840.33M | -529.17M | -896.50M | -39.48M | 48.42M | -34.62M | -169.46M | 307.37M | -230.86M | 37.26M | 449.66M | -68.39M | -244.91M | -776.12M | 413.06M | -51.05M | -263.61M | -207.26M | -112.24M | 190.07M | 13.96M | -26.39M | -220.03M | 242.50M | 123.10M | -11.80M | 22.80M | -78.10M | 78.20M | -9.80M | -6.60M | -5.80M |
| Other Cash Details | |||||||||||||||||||||||||||||||||
| End Cash Position | 213.06M | 207.50M | 220.03M | 231.05M | 200.69M | 236.22M | 150.65M | 121.60M | 114.84M | 110.12M | 117.62M | 134.50M | 149.65M | 105.98M | 344.15M | 100.94M | 106.22M | 119.41M | 163.28M | 155.35M | 183.61M | 181.84M | 211.13M | 182.06M | 225.80M | 164.50M | 168.40M | — | — | — | — | — | — |
| Income Tax Paid | 10.08M | 5.70M | 17.69M | 32.58M | 27.50M | 16.00M | 38.33M | 37.57M | 31.19M | 61.18M | 36.31M | 54.69M | 60.44M | 45.67M | 16.49M | 15.05M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 234.93M | 59.51M | 32.84M | 75.88M | 121.78M | 84.13M | 49.47M | 33.23M | 20.96M | 18.15M | 17.24M | 29.28M | 46.77M | 67.24M | 58.52M | 69.75M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 401.36M | 157.59M | 372.82M | 91.90M | 165.40M | 242.12M | 116.99M | 132.87M | 84.10M | 46.05M | 157.06M | 186.33M | 179.54M | 162.23M | 26.27M | 29.77M | 65.83M | 1.64M | 48.09M | 39.56M | 53.14M | 60.86M | 69.27M | 61.38M | 43.80M | 52.50M | 52.80M | 31.30M | 38.20M | 30.40M | 32.10M | 24.80M | 16.20M |
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