FIRST FINANCIAL BANCORP /OH/ FFBC

Latest FY: 2025 Financial Services Banks - Regional
Market Price $32.52
Market Cap $3.41B
P/E Ratio 12.23
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑18.3% YoY
$80.02M
3-Yr CAGR: 36.3%
Net Income ↑11.7% YoY
$255.60M
Net Margin: 319.4%
Free Cash Flow ↑31.5% YoY
$317.10M
FCF Yield: 9.29%
EPS (Diluted) ↑10.8% YoY
$2.66
Basic: $2.68
Return on Equity Efficiency
9.2%
ROA: 1.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (FFBC)

All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
  • FY 2023: Revenue YoY (+62.5%) is identical to Gross Profit YoY (+62.5%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
  • FY 2024: Revenue YoY (+31.8%) is identical to Gross Profit YoY (+31.8%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
  • FY 2025: Revenue YoY (+18.3%) is identical to Gross Profit YoY (+18.3%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $342.3M $309.0M $88.5M $1.43 $0.64 2.25% $138.4M $128.6M
FY 2017 $359.7M +5.1% $310.2M $96.8M +9.3% $1.56 +9.1% $0.68 2.58% $121.2M $114.6M -10.9%
FY 2018 $552.6M +53.6% $461.5M $172.6M +78.3% $1.93 +23.7% $0.78 3.29% $261.4M $243.2M +112.1%
FY 2019 $615.6M +11.4% $492.3M $198.1M +14.8% $2.00 +3.6% $0.90 3.54% $186.3M $165.4M -32.0%
FY 2020 $645.6M +4.9% $577.2M $155.8M -21.3% $1.59 -20.5% $0.92 5.25% $109.9M $93.4M -43.5%
FY 2021 $623.6M -3.4% $592.5M $205.2M +31.7% $2.14 +34.6% $0.92 3.77% $390.5M $375.1M +301.5%
FY 2022 $31.6M -94.9% $31.6M $217.6M +6.1% $2.30 +7.5% $0.92 3.80% $200.8M $187.1M -50.1%
FY 2023 $51.3M +62.5% $51.3M $255.9M +17.6% $2.69 +17.0% $0.92 3.87% $487.0M $462.8M +147.4%
FY 2024 $67.6M +31.8% $67.6M $228.8M -10.6% $2.40 -10.8% $0.94 3.50% $262.2M $241.1M -47.9%
FY 2025 $80.0M +18.3% $80.0M $255.6M +11.7% $2.66 +10.8% $0.98 3.92% $337.9M $317.1M +31.5%
$

Valuation

Market Price $32.52
Market Cap $3.41B
Enterprise Value N/A
P/E Ratio 12.23
P/B Ratio 1.23
FCF Yield 9.29%
Dividend Yield 3.01%
Shares Outstanding 104,929,400
%

Profitability & Margins

Gross Margin 18.19%
Operating Margin 401.49%
Net Margin 319.43%
Return on Equity (ROE) 9.23%
Return on Assets (ROA) 1.21%
Asset Turnover 0.00x
Revenue 3-Yr CAGR 36.34%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.186
Debt / Assets 0.024
Cash & Equivalents N/A
Total Debt $514.05M
Book Value / Share $26.39
💧

Cash Flow Efficiency

Operating Cash Flow $337.86M
Capital Expenditures (CapEx) $20.76M
Free Cash Flow $317.10M
OCF / Revenue 422.22%
FCF / Revenue 396.28%
FCF 3-Yr CAGR 19.23%
🏷️

Per Share Metrics

EPS (Diluted) $2.66
EPS (Basic) $2.68
Dividends / Share $0.98
Book Value / Share $26.39
EPS YoY Growth 10.83%
🏛️

Balance Sheet (FY 2025)

Total Assets $21.13B
Total Liabilities $18.36B
Stockholders' Equity $2.77B
Current Assets N/A
Current Liabilities N/A