FFBC
First Financial Bancorp
NASDAQ: FFBC · FINANCIAL SERVICES · BANKS - REGIONAL
$30.67
+0.76% today
Updated 2026-05-06
Market cap
$3.19B
P/E ratio
10.75
P/S ratio
3.48x
EPS (TTM)
$2.83
Dividend yield
3.27%
52W range
$22 – $31
Volume
0.9M
First Financial Bancorp (FFBC) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $281.38M | $270.03M | $235.05M | $238.20M | $422.34M | $381.24M | $368.00M | $315.13M | $311.46M | $344.96M | $375.55M | $409.21M | $643.76M | $738.95M | $714.09M | $654.72M | $774.65M | $1.12B | $1.23B | $1.26B |
| Revenue growth (YoY) | — | -4.0% | -13.0% | +1.3% | +77.3% | -9.7% | -3.5% | -14.4% | -1.2% | +10.8% | +8.9% | +9.0% | +57.3% | +14.8% | -3.4% | -8.3% | +18.3% | +44.0% | +9.9% | +2.7% |
| Cost of revenue | $90.27M | $95.59M | $86.51M | $113.33M | $164.70M | $128.21M | $77.61M | $25.80M | $20.76M | $32.90M | $43.42M | $53.11M | $106.01M | $153.76M | $139.01M | $12.98M | $77.58M | $318.34M | $437.74M | $397.52M |
| Gross profit | $191.10M | $174.44M | $148.54M | $238.20M | $422.34M | $253.02M | $290.40M | $289.34M | $290.70M | $312.06M | $332.13M | $356.11M | $537.76M | $585.19M | $575.08M | $641.75M | $697.07M | $797.09M | $787.92M | $861.82M |
| Gross margin | 67.9% | 64.6% | 63.2% | 100.0% | 100.0% | 66.4% | 78.9% | 91.8% | 93.3% | 90.5% | 88.4% | 87.0% | 83.5% | 79.2% | 80.5% | 98.0% | 90.0% | 71.5% | 64.3% | 68.4% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $84.53M | $69.89M | $73.32M | $92.79M | $134.74M | $60.62M | $94.74M | $144.21M | $127.04M | $129.26M | $146.14M | $157.03M | $224.20M | $236.18M | $241.89M | $251.55M | $296.93M | $337.18M | $359.92M | $364.45M |
| Operating income | $30.72M | $53.69M | $33.37M | $447.81M | $159.94M | $105.04M | $103.75M | $67.58M | $95.03M | $110.93M | $130.73M | $116.16M | $214.22M | $242.86M | $184.41M | $240.93M | $241.72M | $318.60M | $268.32M | $321.27M |
| Operating margin | 10.9% | 19.9% | 14.2% | 188.0% | 37.9% | 27.6% | 28.2% | 21.4% | 30.5% | 32.2% | 34.8% | 28.4% | 33.3% | 32.9% | 25.8% | 36.8% | 31.2% | 28.6% | 21.9% | 25.5% |
| EBITDA | $39.20M | $61.77M | $40.04M | $447.81M | $159.94M | $116.99M | $119.58M | $81.85M | $107.81M | $124.20M | $143.77M | $128.81M | $238.39M | $271.00M | $225.65M | $280.49M | $280.53M | $356.39M | $306.74M | $343.36M |
| EBITDA margin | 13.9% | 22.9% | 17.0% | 188.0% | 37.9% | 30.7% | 32.5% | 26.0% | 34.6% | 36.0% | 38.3% | 31.5% | 37.0% | 36.7% | 31.6% | 42.8% | 36.2% | 32.0% | 25.0% | 27.3% |
| EBIT | $30.72M | $53.69M | $33.37M | $447.81M | $159.94M | $105.04M | $103.75M | $67.58M | $95.03M | $110.93M | $130.73M | $116.16M | $214.22M | $242.86M | $184.41M | $240.93M | $241.72M | $318.60M | $268.32M | $321.27M |
| Interest expense | $80.45M | $87.94M | $67.10M | $57.24M | $67.99M | $44.92M | $27.59M | $16.89M | $19.23M | $23.26M | $33.28M | $49.53M | $91.15M | $123.32M | $68.45M | $31.10M | $65.86M | $275.23M | $390.08M | $359.86M |
| Income tax | $9.45M | $18.01M | $10.40M | $144.02M | $32.70M | $38.30M | $36.44M | $19.23M | $30.03M | $35.87M | $42.20M | $19.38M | $41.63M | $44.79M | $28.60M | $35.77M | $24.11M | $62.73M | $39.49M | $65.67M |
| Effective tax rate | 30.8% | 33.5% | 31.2% | 36.9% | 35.6% | 36.5% | 35.1% | 28.5% | 31.6% | 32.3% | 32.3% | 16.7% | 19.4% | 18.4% | 15.5% | 14.8% | 10.0% | 19.7% | 14.7% | 20.4% |
| Net income | $21.27M | $35.68M | $22.96M | $246.55M | $59.25M | $66.74M | $67.30M | $48.35M | $65.00M | $75.06M | $88.53M | $96.79M | $172.59M | $198.07M | $155.81M | $205.16M | $217.61M | $255.86M | $228.83M | $255.60M |
| Net income growth (YoY) | — | +67.7% | -35.6% | +973.7% | -76.0% | +12.6% | +0.8% | -28.2% | +34.4% | +15.5% | +17.9% | +9.3% | +78.3% | +14.8% | -21.3% | +31.7% | +6.1% | +17.6% | -10.6% | +11.7% |
| Profit margin | 7.6% | 13.2% | 9.8% | 103.5% | 14.0% | 17.5% | 18.3% | 15.3% | 20.9% | 21.8% | 23.6% | 23.7% | 26.8% | 26.8% | 21.8% | 31.3% | 28.1% | 22.9% | 18.7% | 20.3% |