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33.87 USD
Add to portfolio
P/E
12.62
EPS
2.69
Yield
2.79%
Safety Score
93
P/B
1.21
ROE
10.25
Beta
0.93
Target Price
36.00 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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1M 6M YTD 1Y 2Y 5Y Max
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Key Metrics
Earnings dateOct. 22, 2026
P/E12.62
EPS2.69
Book Value28.11
Price to Book1.21
% Insiders1.016%
Growth
Revenue Growth0.32%
Earnings Growth0.32%
Estimates
Forward P/E9.86
Forward EPS3.44
Target Mean Price36.00
Dividend
Dividend Yield2.79%
Annual dividends1.00 USD
Ex-Div. DateSept. 1, 2026
Payout35.02%
5y avg Yield4.29%

DCF Valuation

Tweak assumptions to recompute fair value for First Financial Bancorp. (FFBC)
Currency: USD
DCF Assumptions
Decimal (e.g., 0.10 = 10%). Range allows declines (−50%) to strong growth (+50%).
Decimal (e.g., 0.30 = 30%).
Decimal (e.g., 0.04 = 4%).
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Percent number (e.g., 3 = 3%).
Percent number (e.g., 10 = 10%).
Percent number (e.g., 5 = 5%).
DCF Result
Fair Value (DCF)
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Current Price
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WACC
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Terminal PV
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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 33.87 USD. Market analysts have a consensus price target of 36.00 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 12.62. 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 Oct. 22, 2026. The market consensus estimate for Forward EPS is 3.44.

For income investors, First Financial Bancorp. pays a dividend yield of 2.79%. With a payout ratio of 35%, the dividend appears sustainable.

Investor FAQ

Does First Financial Bancorp. pay a dividend?

Yes, it pays an annual dividend of 1.00 USD (2.79% 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 Oct. 22, 2026. The company currently has a trailing EPS of 2.69.

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
Trades
Dividend Yield
2.79%
5y avg 4.29%
Annual Dividends
1.00USD
Next Ex. Div Date
Sept. 1, 2026
Payout Ratio
35.02%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
0.50 USD
June 15, 2027 (estimated) 0.2500
March 15, 2027 (estimated) 0.2500
▸2026
1.01 USD
Dec. 15, 2026 (estimated) 0.2527
Sept. 15, 2026 0.2600
June 15, 2026 0.2500
March 16, 2026 0.2500
▸2025
0.98 USD
Dec. 15, 2025 0.2500
Sept. 15, 2025 0.2500
June 16, 2025 0.2400
March 17, 2025 0.2400
▸2024
0.94 USD
Dec. 16, 2024 0.2400
Sept. 16, 2024 0.2400
June 17, 2024 0.2300
March 15, 2024 0.2300
▸2023
0.92 USD
Dec. 15, 2023 0.2300
Sept. 15, 2023 0.2300
June 15, 2023 0.2300
March 15, 2023 0.2300
▸2022
0.92 USD
Dec. 15, 2022 0.2300
Sept. 15, 2022 0.2300
June 15, 2022 0.2300
March 15, 2022 0.2300
▸2021
0.92 USD
Dec. 15, 2021 0.2300
Sept. 15, 2021 0.2300
June 15, 2021 0.2300
March 15, 2021 0.2300
▸2020
0.92 USD
Dec. 15, 2020 0.2300
Sept. 15, 2020 0.2300
June 15, 2020 0.2300
March 16, 2020 0.2300
▸2019
0.90 USD
Dec. 16, 2019 0.2300
Sept. 16, 2019 0.2300
June 17, 2019 0.2200
March 15, 2019 0.2200
▸2018
0.95 USD
Dec. 17, 2018 0.2000
Sept. 17, 2018 0.2000
June 15, 2018 0.1900
March 15, 2018 0.1900
Jan. 2, 2018 0.1700
▸2017
0.67 USD
Oct. 2, 2017 0.1700
July 3, 2017 0.1700
April 3, 2017 0.1700
Jan. 3, 2017 0.1600
▸2016
0.64 USD
Oct. 3, 2016 0.1600
July 1, 2016 0.1600
April 1, 2016 0.1600
Jan. 4, 2016 0.1600
▸2015
0.64 USD
Oct. 1, 2015 0.1600
July 1, 2015 0.1600
April 1, 2015 0.1600
Jan. 2, 2015 0.1600
▸2014
0.60 USD
Oct. 1, 2014 0.1500
July 1, 2014 0.1500
April 1, 2014 0.1500
Jan. 2, 2014 0.1500
▸2013
1.07 USD
Oct. 1, 2013 0.2700
July 1, 2013 0.2400
April 1, 2013 0.2800
Jan. 2, 2013 0.2800
▸2012
1.17 USD
Oct. 1, 2012 0.3000
July 2, 2012 0.2900
April 2, 2012 0.3100
Jan. 3, 2012 0.2700
▸2011
0.61 USD
Oct. 3, 2011 0.2700
July 1, 2011 0.1200
April 1, 2011 0.1200
Jan. 3, 2011 0.1000
▸2010
0.40 USD
Oct. 1, 2010 0.1000
July 1, 2010 0.1000
April 1, 2010 0.1000
Jan. 4, 2010 0.1000
▸2009
0.47 USD
Oct. 1, 2009 0.1000
July 1, 2009 0.1000
April 1, 2009 0.1000
Jan. 2, 2009 0.1700
▸2008
0.68 USD
Oct. 1, 2008 0.1700
July 1, 2008 0.1700
April 1, 2008 0.1700
Jan. 2, 2008 0.1700
▸2007
0.64 USD
Oct. 1, 2007 0.1600
July 2, 2007 0.1600
April 2, 2007 0.1600
Jan. 2, 2007 0.1600
▸2006
0.64 USD
Oct. 2, 2006 0.1600
July 3, 2006 0.1600
April 3, 2006 0.1600
Jan. 2, 2006 0.1600
▸2005
0.63 USD
Oct. 3, 2005 0.1600
July 1, 2005 0.1600
April 1, 2005 0.1600
Jan. 3, 2005 0.1500
▸2004
0.60 USD
Oct. 1, 2004 0.1500
July 1, 2004 0.1500
April 1, 2004 0.1500
Jan. 2, 2004 0.1500
▸2003
0.60 USD
Oct. 1, 2003 0.1500
July 1, 2003 0.1500
April 1, 2003 0.1500
Jan. 2, 2003 0.1500
▸2002
0.60 USD
Oct. 1, 2002 0.1500
July 1, 2002 0.1500
April 1, 2002 0.1500
Jan. 2, 2002 0.1500
▸2001
0.59 USD
Oct. 1, 2001 0.1500
July 2, 2001 0.1500
April 2, 2001 0.1500
Jan. 2, 2001 0.1429
▸2000
0.57 USD
Oct. 2, 2000 0.1429
July 3, 2000 0.1429
April 3, 2000 0.1429
Jan. 3, 2000 0.1429
▸1999
0.52 USD
Oct. 1, 1999 0.1299
July 1, 1999 0.1299
April 1, 1999 0.1299
Jan. 4, 1999 0.1299
▸1998
0.84 USD
Oct. 1, 1998 0.1181
July 1, 1998 0.1181
April 1, 1998 0.3000
Jan. 2, 1998 0.3000
▸1997
1.25 USD
Oct. 1, 1997 0.3000
Aug. 29, 1997 0.0500
July 1, 1997 0.3000
April 1, 1997 0.3000
Jan. 2, 1997 0.3000
▸1996
1.47 USD
Oct. 2, 1996 0.2720
Oct. 1, 1996 0.3000
July 1, 1996 0.3000
April 1, 1996 0.3000
Jan. 2, 1996 0.3000
▸1995
1.50 USD
Oct. 2, 1995 0.2600
Aug. 11, 1995 0.2400
July 1, 1995 0.2600
April 24, 1995 0.2400
April 1, 1995 0.2600
Jan. 3, 1995 0.2400
▸1994
1.35 USD
Oct. 1, 1994 0.2700
July 26, 1994 0.2700
July 1, 1994 0.2700
April 1, 1994 0.2700
Jan. 3, 1994 0.2700
▸1993
1.32 USD
Oct. 1, 1993 0.3300
July 1, 1993 0.3300
April 1, 1993 0.3300
Jan. 2, 1993 0.3300
▸1992
1.68 USD
Nov. 9, 1992 0.3630
Oct. 1, 1992 0.3300
July 1, 1992 0.3300
April 1, 1992 0.3300
Jan. 2, 1992 0.3300
▸1991
1.32 USD
Oct. 1, 1991 0.3300
July 1, 1991 0.3300
April 1, 1991 0.3300
Jan. 2, 1991 0.3300
▸1990
1.30 USD
Oct. 1, 1990 0.3000
July 2, 1990 0.3000
April 2, 1990 0.3000
Jan. 2, 1990 0.4000
▸1988
3.70 USD
Dec. 5, 1988 0.0799
Sept. 2, 1988 1.2081
June 6, 1988 1.2081
March 3, 1988 1.2081
▸1987
6.04 USD
Dec. 3, 1987 1.2081
Sept. 3, 1987 1.6090
June 4, 1987 1.6090
March 4, 1987 1.6090
▸1986
7.53 USD
Dec. 4, 1986 1.6090
Sept. 4, 1986 1.9723
June 5, 1986 1.9723
March 6, 1986 1.9723
▸1985
7.28 USD
Dec. 5, 1985 1.9723
Sept. 5, 1985 1.7705
June 6, 1985 1.7705
March 7, 1985 1.7705
▸1984
6.28 USD
Dec. 6, 1984 6.2808
Upcoming Dividends
Name Payment Date Status Amount
First Financial Bancorp. Sep 15, 2026 Upcoming 0.26 USD
First Financial Bancorp. Jun 15, 2026 0.25 USD
First Financial Bancorp. Mar 16, 2026 0.25 USD
First Financial Bancorp. Dec 15, 2025 0.25 USD
First Financial Bancorp. Sep 15, 2025 0.25 USD
Stock Splits
Split Date Split Ratio to 1
Oct. 2, 1986 1.330000
Oct. 2, 1987 1.500000
Jan. 4, 1994 1.330000
Dec. 2, 1994 1.250000
Oct. 2, 1996 1.100000
Sept. 3, 1997 1.100000
June 2, 1998 2.000000
Dec. 2, 1998 1.100000
Dec. 1, 1999 1.100000
March 7, 2001 1.050000
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