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28.08 USD
P/E
10.24
EPS
2.66
Yield
3.53%
Safety Score
97
P/B
0.97
ROE
9.82
Beta
0.97
Target Price
32.14 USD
First Financial Bancorp. logo

First Financial Bancorp.

🧾 Earnings Recap – Q3 2025

First Financial Bancorp reported a strong Q3 2025 with adjusted net income of $72.6 million, driven by record revenue and an exceptional net interest margin of 4.02%. Asset quality remained stable while tangible book value increased 5% from the prior quarter.

  • Achieved adjusted earnings per share of $0.76 and return on assets of 1.55%.
  • Noninterest income set a record at $73.6 million, comprising 31% of total net revenue.
  • Secured a strong net interest margin through efficient asset yield management and controlled funding costs.
  • Experienced a slight decline in loan balances, attributed to reduced production in specialty lending.
  • Tangible book value per share rose to $16.19, a 14% increase year-over-year.
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Key Metrics
Earnings dateApril 23, 2026
P/E10.24
EPS2.66
Book Value28.11
Price to Book0.97
% Insiders1.038%
Growth
Revenue Growth0.22%
Earnings Growth-0.06%
Estimates
Forward P/E8.02
Forward EPS3.40
Target Mean Price32.14
Dividend
Dividend Yield3.53%
Annual dividends0.99 USD
Ex-Div. DateMarch 2, 2026
Payout37.03%
5y avg Yield4.29%

DCF Valuation

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DCF Result

Fair Value (DCF)
Current Price
Upside
WACC
Terminal PV
Σ PV of FCFs
Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

First Financial Bancorp. Logo First Financial Bancorp. Analysis (FFBC)

United States Financials Official Website Stock

Is First Financial Bancorp. a good investment? First Financial Bancorp. (FFBC) is currently trading at 28.08 USD. Market analysts have a consensus price target of 32.14 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 10.24. This relatively low multiple may signal that First Financial Bancorp. is undervalued compared to historical market norms.

Earnings Schedule: First Financial Bancorp. is expected to release its next earnings report on April 23, 2026. The market consensus estimate for Forward EPS is 3.40.

For income investors, First Financial Bancorp. pays a dividend yield of 3.53%. With a payout ratio of 37%, the dividend appears sustainable.

Investor FAQ

Does First Financial Bancorp. pay a dividend?

Yes, it pays an annual dividend of 0.99 USD (3.53% yield).

What asset class is First Financial Bancorp.?

First Financial Bancorp. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be April 23, 2026. The company currently has a trailing EPS of 2.66.

Company Profile

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and 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, such as 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 secured commercial financing services 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, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

Exchange Ticker
NMS (United States) FFBC
Dividend Yield

3.53% (5y avg: 4.29%)

Annual Dividends

0.99 USD

Next ex. div date

March 2, 2026

Payout Ratio

37.03%

Historical Dividends
Year Total Dividends
2027 0.25 USD
2026 1.00 USD
2025 0.98 USD
2024 0.94 USD
2023 0.92 USD
2022 0.92 USD
2021 0.92 USD
2020 0.92 USD
2019 0.90 USD
2018 0.95 USD
2017 0.67 USD
2016 0.64 USD
2015 0.64 USD
2014 0.60 USD
2013 1.07 USD
2012 1.17 USD
2011 0.61 USD
2010 0.40 USD
2009 0.47 USD
2008 0.68 USD
2007 0.64 USD
2006 0.64 USD
2005 0.63 USD
2004 0.60 USD
2003 0.60 USD
2002 0.60 USD
2001 0.60 USD
2000 0.59 USD
1999 0.56 USD
1998 0.90 USD
1997 1.25 USD
1996 1.47 USD
1995 1.50 USD
1994 1.35 USD
1993 1.32 USD
1992 1.68 USD
1991 1.32 USD
1990 1.30 USD
1988 3.70 USD
1987 6.04 USD
1986 7.53 USD
1985 7.28 USD
1984 6.28 USD

Yearly aggregated dividends

Dividends

First Financial Bancorp.
Mar 16, 2026 Paid
Dividend
0.25 USD
First Financial Bancorp.
Dec 15, 2025 Paid
Dividend
0.25 USD
First Financial Bancorp.
Sep 15, 2025 Paid
Dividend
0.25 USD
First Financial Bancorp.
Jun 16, 2025 Paid
Dividend
0.24 USD

Historical Split Corporate Actions

Split Date Split Ratio to 1
March 7, 2001 1.050000
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