Full text
Earnings transcript
Read the complete earnings call transcript.
FFBC
First Financial Bancorp.
$32.77
0.11
(0.34%)
| Exchange: | NASDAQ |
| Market Cap: | 3.439B |
| Shares Outstanding: | 21M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Archie Brown | |||||
| Full Time Employees: | 2199 | |||||
| Address: |
| |||||
| Website: | https://www.bankatfirst.com |
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.
Click to read more…
Revenue Segmentation
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
Log in to continue
Log in to read the full transcript and AI-generated earnings summaries.
Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,115,426 | 1,225,663 | 1,259,342 |
| Gross Profit | 797,085 | 787,919 | 861,817 |
| EBITDA | 356,395 | 306,742 | 343,356 |
| Operating Income | 318,596 | 268,324 | 321,270 |
| Net Income | 255,863 | 228,830 | 255,605 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 17,532,900 | 18,570,261 | 21,129,379 |
| Total Liabilities | 15,264,926 | 16,132,220 | 18,360,163 |
| Total Stockholders Equity | 2,267,974 | 2,438,041 | 2,769,216 |
| Total Debt | 1,281,929 | 1,102,961 | 1,189,052 |
| Cash and Cash Equivalents | 1,006,019 | 904,486 | 178,553 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 486,969 | 262,156 | 337,861 |
| Capital Expenditure | -24,135 | -21,075 | -20,757 |
| Free Cash Flow | 462,834 | 241,081 | 317,104 |
| Net Income | 255,863 | 228,830 | 255,605 |
| Net Change in Cash | 5,558 | -38,801 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,263,854.784 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 1,271,442.409 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 1,267,200 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 412,770.464 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 415,248.555 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 413,863 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 357,844.394 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 360,639.448 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 359,241.921 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 429,733.496 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 432,313.426 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 430,870.930 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 3.750 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 3.770 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 3.740 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
Log in to continue
Log in and subscribe to Full Access to see up to 5 years of analyst estimates.
Login — it's free(* All numbers are in thousands)
Current Key Metrics
Log in to continue
Log in to see all key valuation metrics and ratios for this symbol.
Login — it's freeForward P/E Ratios
Log in to continue
Log in with Full Access for forward P/E high/low estimates and the full multi-year table.
Login — it's freeSWOT Analysis
Strengths (preview)
- Record Revenue Performance: FFBC reported record revenue of $226 million in Q2 2025, as highlighted in the earnings call transcript, reflecting strong operational execution and growth in core banking activities. This performance underscores the company’s ability to generate consistent income amidst competitive pressures.
- Solid Financial Metrics: The company exhibits a healthy current ratio (TTM) and quick ratio (TTM), indicating strong liquidity to cover short-term obligations. Additionally, positive ROE (TTM) and ROIC (TTM) suggest efficient use of equity and invested capital, positioning FFBC favorably within its sector.
- Stable Dividend Yield: With a competitive dividend yield (TTM) and a history of dividend payments (lastDiv), FFBC offers an attractive income stream for investors, enhancing its appeal in the wealth-building demographic.
Log in with Research Access for Weaknesses, Opportunities, Threats, and the complete SWOT.
At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates FFBC intrinsic value between $29.87 – $37.18 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about FFBC valuation
Is First Financial Bancorp. (FFBC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for First Financial Bancorp. (FFBC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is FFBC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FFBC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is FFBC’s P/E ratio?
You can see FFBC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for FFBC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is FFBC a good long-term investment?
Whether FFBC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
FFBC
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.34
Trading Metrics:
| Open: | 32.83 | Previous Close: | 32.66 | |
| Day Low: | 32.58 | Day High: | 32.9 | |
| Year Low: | 23.06 | Year High: | 36.25 | |
| Price Avg 50: | 33.8 | Price Avg 200: | 29.46 | |
| Volume: | 588136 | Average Volume: | 980545 |
Log in to continue
Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.
Login — it's freeFFBC full analysis
Welcome to MARKETSNAP’s SWOT analysis for First Financial Bancorp, also known by its ticker FFBC. If you’re a long-term investor looking to build wealth, stick around as we dive deep into this regional banking player, unpack its strengths, weaknesses, opportunities, and threats, and figure out if it’s got a spot in your portfolio. Let’s get started with a quick overview of who they are and what’s been happening with them lately, before we roll into the full analysis. Company Overview…
