profit from every $100 of sales.
$0$100
First Financial Bancorp.
$32.56-0.46% today
+34.5% in 1 year
1-year low $23.271-year high $36.18
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $13.40 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What First Financial Bancorp. sold, what it kept, and what it did with the cash.
Sales went from $709 million in 2022 to $899 million in 2025, with $256 million of profit last year.
SalesProfit
First Financial Bancorp. handed back 30% of the cash it generated last year.
$95M
Free cash flow 2025$317M
Bought back its own shares–
Paid as dividends$95M
Cash vs. debt$776M vs. $1.2B
First Financial Bancorp. vs. similar companies
First Financial Bancorp. grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| First Financial Bancorp. | 13.4× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads First Financial Bancorp.'s last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 709 | 840 | 836 | 899 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 218 | 256 | 229 | 256 | |
| 2.30 | 2.69 | 2.40 | 2.66 | |
| – | – | – | – | |
| – | – | – | – | |
| 30.7% | 30.5% | 27.4% | 28.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 17,003 | 17,533 | 18,570 | 21,129 |
| Cash | 596 | 1,006 | 904 | 776 |
| Total debt | 1,634 | 1,282 | 1,103 | 1,189 |
| Total liabilities | 14,962 | 15,265 | 16,132 | 18,360 |
| 2,041 | 2,268 | 2,438 | 2,769 | |
| 95 | 95 | 95 | 96 | |
| – | – | – | – | |
| 10.7% | 11.3% | 9.4% | 9.2% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 201 | 487 | 262 | 338 | |
| 14 | 24 | 21 | 21 | |
| 187 | 463 | 241 | 317 | |
| Dividends paid | 87 | 87 | 90 | 95 |
| 0 | 0 | – | – | |
| 13 | 15 | 16 | 16 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.4×
- 10.3×
- 2.71
- 1.1×
- 3.8×
- 7.4%
- 3.2%
Profitability
- 28.4%
- 1.2%
- 6.6%
- 10.2%
- 1.2%
Growth
- +8.3%
- +5.0%
- +1.3%
- −0.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 32%of 852
Top 38%of 733
Top 48%of 863
Top 49%of 860
Top 31%of 920
What analysts expect
- Average price target
- $32.25
- Range
- $30.00 – $34.00
- 3 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.77 | 0.70 | +10.0% |
| Jan 28, 2026 | 0.80 | 0.79 | +1.3% |
| Oct 23, 2025 | 0.76 | 0.73 | +3.5% |
| Jul 24, 2025 | 0.74 | 0.69 | +7.2% |
| Apr 24, 2025 | 0.63 | 0.63 | +0.0% |
| Jan 23, 2025 | 0.71 | 0.65 | +9.2% |
| Oct 24, 2024 | 0.55 | 0.66 | −16.7% |
| Jul 25, 2024 | 0.64 | 0.59 | +8.5% |
3.2%of the share price, paid each year
On $1,000 invested$32a year at today's yield, before tax
+1.3%2020 to 2025
Raised2 yearsin a row, in our data
Paid per share, each year
$0.64 in 2015 → $0.98 in 2025
How safe it looks
37.0% of its profit
Room to growStretchedMore than it earns: 29.8%
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
63Pass
Benjamin Graham
71Pass
Philip Fisher
64Pass
Peter Lynch
33No pass
Joel Greenblatt
17No pass
Charlie Munger
54No pass
Terry Smith
52No pass
Questions about First Financial Bancorp.
Is First Financial Bancorp. a good stock to buy?
A strong, very profitable business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the First Financial Bancorp. AI analysis
What does First Financial Bancorp. do?
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. It is in Banks - Regional, based in Cincinnati, OH, United States, with 2,319 employees.
Does First Financial Bancorp. pay a dividend?
Yes. At today's price the dividend is 3.2% a year, about 37% of its yearly profit. In 2025 it paid out $94.6 million in dividends.
Is First Financial Bancorp. stock halal?
No. First Financial Bancorp. does not pass our halal screen: its main business, banking, is not permitted. How we check
How has First Financial Bancorp. stock done over the past year?
Up 34.5% over the past twelve months, to $32.56. It traded between $23.27 and $36.18 and is 10.0% below its high.
Who are First Financial Bancorp.'s competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with First Financial Bancorp.'s.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.