First Financial Bancorp. logo FFBC - First Financial Bancorp.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 6
HOLD 12
SELL 1
STRONG
SELL
0
| PRICE TARGET: $32.25 DETAILS
HIGH: $34.00
LOW: $30.00
MEDIAN: $32.50
CONSENSUS: $32.25
UPSIDE: 4.95%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 1,259.3 1,225.7 1,115.4 774.6 654.7 714.1 739.0 643.8 409.2 375.6 345.0 311.5 315.1 368.0 381.2 437.6 295.4 235.1 270.0 281.4 254.0 256.1 270.5 297.7 344.0 361.7 324.8 302.2 263.3 193.4 174.5 151 141.1
Cost of Revenue 397.5 437.7 318.3 77.6 13.0 139.0 153.8 106.0 53.1 43.4 32.9 20.8 25.8 77.6 128.2 164.7 113.3 86.5 95.6 90.3 73.3 62.3 82.3 94.4 153.6 156.7 126.4 118.7 103.3 73.1 65.7 50.9 51.3
Gross Profit 861.8 787.9 797.1 697.1 641.7 575.1 585.2 537.8 356.1 332.1 312.1 290.7 289.3 290.4 253.0 272.9 182.1 148.5 174.4 191.1 180.7 193.8 188.2 203.3 190.4 205.0 198.4 183.5 160 120.3 108.8 100.1 89.8
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 374.2 368.9 346.8 305.7 259.5 248.3 243.1 231.8 160.2 150.1 133.0 130.6 148.5 100.3 66.4 88.2 103.1 75.9 72.3 88.0 80.2 78.1 76.5 71.6 65.1 63.6 61.6 57.4 49.2 37.6 33.3 31.3 28.4
Other Expenses 166.3 150.7 131.7 149.7 141.3 142.4 99.2 91.7 79.7 51.3 68.1 65.0 73.3 86.4 81.6 92.7 (275.0) 39.3 48.4 72.4 57.1 55.3 56.3 60.9 59.9 54.4 60.1 50.4 42 33.8 30 30.8 30.1
Operating Expenses 540.5 519.6 478.5 455.3 400.8 390.7 342.3 323.5 239.9 201.4 201.1 195.7 221.8 186.7 148.0 180.9 (171.9) 115.2 120.7 160.4 137.2 133.5 132.8 132.5 125.0 118.0 121.7 107.8 91.2 71.4 63.3 62.1 58.5
Operating Income
Operating Income 321.3 268.3 318.6 241.7 240.9 184.4 242.9 214.2 116.2 130.7 110.9 95.0 67.6 103.7 105.0 92.0 354.0 33.4 53.7 30.7 43.4 60.4 55.4 70.8 65.4 87.0 76.6 75.7 68.8 48.9 45.5 38 31.3
Interest Expense 359.9 390.1 275.2 65.9 31.1 68.5 123.3 91.1 49.5 33.3 23.3 19.2 16.9 27.6 44.9 68.0 57.2 67.1 87.9 80.5 67.7 56.3 63.4 78.3 126.8 145.4 117.2 110.5 96.6 69.7 63.6 49.6 47.6
Interest Income 1,001.9 1,002.1 903.0 585.0 483.2 525.0 607.6 540.4 333.1 305.9 269.8 247.9 245.2 280.9 308.8 343.5 233.2 183.3 206.4 205.5 200.7 196.5 208.3 241.0 289.7 313.3 281.0 262.7 232 171.3 153.9 133.5 123.3
Profitability
EBITDA 343.4 306.7 356.4 280.5 280.5 225.6 271 238.4 128.8 143.8 124.2 107.8 81.9 119.6 117.0 102.9 354.0 40.0 61.8 39.2 54.0 69.4 74.8 81.1 74.2 89.1 85.8 85.3 75.4 53.6 50.6 43.7 37.2
EBIT 321.3 268.3 318.6 241.7 240.9 184.4 242.9 214.2 116.2 130.7 110.9 95.0 67.6 103.7 105.0 92.0 354.0 33.4 53.7 30.7 43.4 60.4 55.4 70.8 65.4 87.0 76.6 75.7 68.8 48.9 45.5 38 31.3
Income Before Tax 321.3 268.3 318.6 241.7 240.9 184.4 242.9 214.2 116.2 130.7 110.9 95.0 67.6 103.7 105.0 92.0 354.0 33.4 53.7 30.7 43.4 60.4 55.4 70.8 65.4 87.0 76.6 75.7 68.8 48.9 45.5 38 31.3
Income Tax Expense 65.7 39.5 62.7 24.1 35.8 28.6 44.8 41.6 19.4 42.2 35.9 30.0 19.2 36.4 38.3 32.7 132.6 10.4 18.0 9.4 12.6 19.3 17.4 22.5 22.1 28.7 26.3 24.7 22 15 13.7 9.8 7
Net Income 255.6 228.8 255.9 217.6 205.2 155.8 198.1 172.6 96.8 88.5 75.1 65 48.3 67.3 66.7 59.3 221.3 23.0 35.7 21.3 37.9 41.1 37.9 48.2 43.3 58.2 50.3 51 46.8 33.9 31.8 28.2 24.3
Per Share Data
EPS (Basic) 2.69 2.42 2.72 2.33 2.16 1.60 2.01 1.95 1.57 1.45 1.23 1.11 0.84 1.16 1.16 1.01 5.40 0.62 0.93 0.54 0.89 0.94 0.85 1.05 0.91 1.19 1.02 1.03 0.96 0.87 0.83 0.79 0.70
EPS (Diluted) 2.66 2.40 2.69 2.30 2.14 1.59 2.00 1.93 1.56 1.43 1.21 1.09 0.83 1.14 1.14 0.99 5.33 0.61 0.93 0.54 0.88 0.94 0.85 1.05 0.91 1.19 1.02 1.03 0.95 0.87 0.83 0.78 0.69
Shares Outstanding 94.9 94.4 93.9 93.5 95.0 97.4 98.3 88.6 61.5 61.2 61.1 58.7 57.3 57.9 57.7 57.0 45.0 37.1 38.5 39.5 43.1 43.7 44.4 45.9 47.4 48.8 49.2 49.3 42.0 39.1 38.4 35.7 34.5
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 178.6 904.5 1,006.0 595.7 434.8 251.4 257.6 274.0 184.6 204.0 606.2 100.9 152.9 188.6 186.3 224.8 185.3 234.7 167.1 145.8 115.9 115.6 111.9 99.8
Short-Term Investments 3,971.9 2,459.7 3,021.1 3,409.6 4,207.8 3,424.6 2,852.1 2,779.3 1,349.4 1,039.9 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 597.3 585.0 462.5 232.6 109.6 73.0 88.4 93.4 89.3 93.1 241.3 140.8 112.3 107.9 91.5 87.9 88.0 73.8 52 40.6 41 30.6 29 26.1
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 4,747.8 3,949.2 4,489.6 4,237.9 4,752.3 3,748.9 3,198.1 3,146.6 1,623.4 1,337.0 847.4 241.8 265.2 296.5 277.9 312.7 273.3 308.5 219.1 186.4 156.9 146.2 140.9 125.9
Non-Current Assets
Property, Plant & Equipment 204.8 407.1 348.0 280.8 253.9 207.2 214.5 215.7 125.0 131.6 107.4 84.1 66.2 59.0 56.3 60.6 58.5 59 58 47 42.6 39.9 38 35.6
Goodwill 1,099.5 1,007.7 1,005.9 1,001.5 1,000.7 937.8 937.8 880.3 204.1 204.1 51.9 28.3 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 118.8 79.3 83.9 93.9 104.4 64.6 76.2 40.8 3.8 6.5 7.5 1.0 112.3 107.9 91.5 87.9 88.0 73.8 52 40.6 0 0 0 0
Long-Term Investments 13,424.1 11,948.8 10,548.8 10,168.5 9,277.6 9,958.3 9,337.2 9,223.6 6,588.5 6,433.9 5,355.9 3,343.9 3,430.9 3,565.0 3,326.8 3,442.0 3,558.3 3,518.9 3,207.5 2,340.5 2,047.2 1,899.2 1,737.9 1,498.2
Other Non-Current Assets 1,534.4 1,178.2 1,056.8 1,220.6 940.3 1,056.4 747.8 479.7 352.2 324.9 287.6 0.1 121.1 0.6 32.4 3.4 4.7 13.7 11.7 21.9 15 18.1 5.8 29.7
Total Non-Current Assets 16,381.6 14,621.1 13,043.3 12,765.4 11,576.8 12,224.2 11,313.5 10,840.0 7,273.5 7,100.9 5,810.2 3,457.4 3,654.5 3,659.6 3,452.1 3,542.1 3,659.2 3,632.2 3,319.8 2,449.7 2,104.8 1,957.2 1,781.7 1,563.5
Total Assets 21,129.4 18,570.3 17,532.9 17,003.3 16,329.1 15,973.1 14,511.6 13,986.7 8,896.9 8,438.0 6,681.1 3,699.1 3,916.7 3,956.1 3,730.0 3,854.8 3,932.5 3,940.7 3,538.9 2,636.1 2,261.7 2,103.4 1,922.6 1,689.4
Current Liabilities
Account Payables 0 0 0 626.9 492.2 516.3 323.1 156.6 137.0 119.5 0 44.0 32.7 32.0 34.7 30.0 34.2 33 32.7 26.3 23 22.4 17.5 14.9
Short-Term Debt 675 755.5 937.8 1,287.2 319.2 166.6 1,316.2 1,040.7 814.6 807.9 37.4 297.5 148.2 258.9 95.2 93.5 146.6 543.9 155.1 52.3 93.8 58.4 123.1 29.1
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 16,421.8 14,329.1 13,360.8 12,701.2 12,872.0 12,232.0 10,210.2 10,140.4 6,895.0 6,525.8 5,350.6 2,783.5 2,905.9 2,945.7 2,922.4 3,085.1 3,151.4 2,991.2 2,872.1 2,230.2 1,880 1,785.6 1,587.3 1,476.2
Total Current Liabilities 17,096.8 15,084.6 14,298.6 14,615.3 13,683.4 12,914.9 11,849.5 11,337.7 7,846.6 7,453.2 5,582.3 3,169.0 3,086.8 3,236.6 3,052.3 3,208.5 3,332.2 3,568.1 3,059.9 2,308.8 1,996.8 1,866.4 1,727.9 1,520.2
Non-Current Liabilities
Long-Term Debt 514.1 346.0 342.5 345.0 385.0 339.4 413.2 570.7 119.7 119.6 425.3 168.8 361.3 353.0 300.1 260.3 205.2 161.8 120.8 41.1 6.5 2.8 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 749.3 700.1 622.2 0 0 435.0 0 0 0 0 0 13.0 100.2 0 0 1.4 0 (161.7) (0.1) (0.1) (0.1) 0 0 0
Total Non-Current Liabilities 1,263.3 1,047.6 966.3 346.7 386.8 776.2 414.4 570.7 119.7 119.6 425.3 181.8 461.5 353.0 300.1 261.7 205.2 0.1 120.7 41 6.4 2.8 0 0
Total Liabilities 18,360.2 16,132.2 15,264.9 14,961.9 14,070.2 13,691.1 12,263.9 11,908.4 7,966.3 7,572.7 6,007.6 3,350.8 3,548.3 3,589.6 3,352.3 3,470.3 3,537.4 3,568.2 3,180.6 2,349.8 2,003.2 1,869.2 1,727.9 1,520.2
Stockholders' Equity
Common Stock 1,647.6 1,642.1 1,639.0 1,634.6 1,640.4 1,638.9 1,640.8 1,633.3 573.1 570.4 0 0 395.5 395.8 396.3 396.6 374.3 373.4 306.7 0 0 0 0 0
Retained Earnings 1,437.3 1,276.3 1,136.7 968.2 837.5 720.4 711.2 600.0 491.8 437.2 276.1 76.3 65.1 50.3 39.0 18.2 36.2 5.9 50.2 52 93.4 115.1 84.8 81.4
Accumulated Other Comprehensive Income (189.9) (289.8) (309.8) (358.7) (0.4) 48.7 13.3 (44.4) (20.4) (28.4) (10.5) (11.9) (6.2) (1.1) 4.2 2.8 1.1 (6.8) 4.5 2.1 1.2 1.4 (2.7) 0
Total Stockholders' Equity 2,769.2 2,438.0 2,268.0 2,041.4 2,258.9 2,282.1 2,247.7 2,078.2 930.7 865.2 650.0 348.3 371.5 366.5 377.6 384.5 395.1 372.5 358.3 286.3 258.5 234.2 194.7 169.2
Total Liabilities & Equity 21,129.4 18,570.3 17,532.9 17,003.3 16,329.1 15,973.1 14,511.6 13,986.7 8,896.9 8,438.0 6,657.6 3,699.1 3,919.7 3,956.1 3,730.0 3,854.8 3,932.5 3,940.7 3,538.9 2,636.1 2,261.7 2,103.4 1,922.6 1,689.4
Debt Metrics
Total Debt 1,189.1 1,103.0 1,281.9 1,633.8 706.0 507.8 1,730.6 1,611.4 934.2 927.5 462.8 466.3 509.5 611.9 395.2 353.8 351.8 705.7 275.9 93.4 100.3 61.2 123.1 29.1
Net Debt 1,010.5 198.5 275.9 1,038.1 271.2 256.5 1,472.9 1,337.5 749.6 723.5 (143.4) 365.4 356.5 423.3 208.9 129.0 166.5 471 108.8 (52.4) (15.6) (54.4) 11.2 (70.7)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 255.6 228.8 255.9 217.6 205.2 155.8 198.1 172.6 96.8 88.5 37.9 41.1 37.9 48.2 43.3 58.2 50.3 51 46.8 33.9 31.8 28.2 24.3
Depreciation & Amortization 39.8 38.4 37.8 38.8 39.6 41.2 28.1 24.2 12.6 13.0 10.6 9.0 19.5 10.3 8.8 2.2 9.2 9.6 6.6 4.7 5.1 5.7 5.9
Stock-Based Compensation 15.6 15.7 14.9 13.4 9.6 7.7 8.0 6.2 5.4 5.4 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (39.6) (104.7) 127.7 (74.6) 118.6 (129.8) (94.0) 20.9 0.7 10.6 3.0 4.9 (0.8) 8.9 2.2 (3.1) (2.1) (0.8) (0.4) (0.1) 3.1 (3.5) 0.4
Other Non-Cash Items 47.5 62.7 37.4 9.1 3.2 41.8 33.6 30.2 12.4 24.7 9.8 (4.5) 3.8 4.2 23.0 0.3 (7.3) (1.3) 4.1 (3.5) 1.6 3 6.8
Operating Cash Flow 337.9 262.2 487.0 200.8 388.2 108.4 186.3 260.3 123.5 142.6 60.5 53.3 61.8 64.1 77.4 66.8 52.2 61.2 57 35.7 41.8 34.8 36.9
Investing Activities
Capital Expenditure (20.8) (21.1) (24.1) (13.8) (15.3) (16.5) (20.9) (18.2) (6.5) (9.7) (12.4) (13.7) (8.6) (3.3) (8.1) (5.5) (8.4) (8.7) (4.2) (4.4) (3.6) (4.4) (4.8)
Acquisitions (187.2) (96.9) (3.5) 0 (109.0) 0 (51.5) 23.7 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (1,869.0) (1,029.6) (113.0) (682.5) (2,430.8) (1,610.9) (846.9) (897.5) (748.9) (412.4) (193.4) (105.1) (673.8) (272.9) (253.2) (83.5) (137.8) (338.2) (257.1) (136.5) (118.9) (151.1) (76.5)
Sales/Maturities of Investments 1,498.5 904.9 566.6 996.0 1,591.7 1,098.3 1,094.2 715.8 536.6 525.0 155.2 215.1 500.8 246.1 232.6 77.8 188.6 348.5 237.8 198.7 154.4 229.9 117.8
Other Investing Activities 31.7 (757.4) (1,127.2) (1,182.9) 453.4 (674.4) (427.3) (28.5) (210.6) (416.2) 263.9 (98.6) (72.1) 117.5 103.1 (23.3) (395.7) (308.7) (26.9) (97.9) (45.6) (179.1) (44.3)
Investing Cash Flow (546.7) (1,000.0) (701.3) (883.1) (510.0) (1,203.3) (252.4) (204.8) (429.5) (313.3) 213.2 (2.3) (253.7) 87.4 74.4 (34.4) (353.3) (307.1) (50.4) (40.1) (13.7) (104.7) (7.8)
Financing Activities
Net Debt Issuance 10.0 (179.7) (352.7) 926.9 (333.8) (790.1) 115.8 128.1 6.6 (130.6) (80.3) (85.9) 216.7 41.4 2.0 (192.1) 268.1 144.9 9 39.1 (64.6) 90 1.8
Stock Repurchased 0 0 0 0 (108.1) (16.7) (66.2) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (94.6) (89.5) (87.2) (86.6) (87.3) (89.7) (89.1) (79.7) (41.2) (39.1) (27.7) (26.3) (26.6) (27.5) (28.4) (27.9) (25.6) (21.4) (20.3) (16.3) (13.5) (11.8) (9.4)
Other Financing Activities 297.8 968.3 659.6 (170.8) 640.0 2,021.8 70.0 (18.4) 369.6 347.2 (79.8) 39.3 23.2 (162.7) (66.3) 160.2 119.1 126.6 34 (15.4) 54.8 6.8 (27.4)
Financing Cash Flow 213.2 699.1 219.9 669.7 110.8 1,125.3 30.6 30.0 335.0 177.5 (265.8) (79.2) 193.7 (180.8) (122.7) (76.2) 362.4 242.1 23.1 6.6 (23.2) 84.7 (34.7)
Cash Position
Net Change in Cash 4.3 (38.8) 5.6 (12.5) (11.0) 30.4 (35.5) 85.6 29.1 6.8 7.9 (28.3) 1.8 (29.3) 29.1 (43.8) 61.3 (3.9) 29.8 (108.7) (103.8) (89) (91.6)
Cash at Beginning 174.3 213.1 207.5 220.0 231.1 200.7 236.2 150.7 121.6 114.8 155.4 183.6 181.8 211.1 182.1 225.8 164.5 168.4 138.6 108.7 103.8 89 91.6
Cash at End 178.6 174.3 213.1 207.5 220.0 231.1 200.7 236.2 150.7 121.6 163.3 155.4 183.6 181.8 211.1 182.1 225.8 164.5 168.4 0 0 0 0
Free Cash Flow 317.1 241.1 462.8 187.1 372.8 91.9 165.4 242.1 117.0 132.9 48.1 39.6 53.1 60.9 69.3 61.4 43.8 52.5 52.8 31.3 38.2 30.4 32.1
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 1,259.3 1,225.7 1,115.4 774.6 654.7 714.1 739.0 643.8 409.2 375.6 345.0 311.5 315.1 368.0 381.2 437.6 295.4 235.1 270.0 281.4 254.0 256.1 270.5 297.7 344.0 361.7 324.8 302.2 263.3 193.4 174.5 151 141.1
Gross Profit 861.8 787.9 797.1 697.1 641.7 575.1 585.2 537.8 356.1 332.1 312.1 290.7 289.3 290.4 253.0 272.9 182.1 148.5 174.4 191.1 180.7 193.8 188.2 203.3 190.4 205.0 198.4 183.5 160 120.3 108.8 100.1 89.8
Operating Income 321.3 268.3 318.6 241.7 240.9 184.4 242.9 214.2 116.2 130.7 110.9 95.0 67.6 103.7 105.0 92.0 354.0 33.4 53.7 30.7 43.4 60.4 55.4 70.8 65.4 87.0 76.6 75.7 68.8 48.9 45.5 38 31.3
Net Income 255.6 228.8 255.9 217.6 205.2 155.8 198.1 172.6 96.8 88.5 75.1 65 48.3 67.3 66.7 59.3 221.3 23.0 35.7 21.3 37.9 41.1 37.9 48.2 43.3 58.2 50.3 51 46.8 33.9 31.8 28.2 24.3
EPS (Diluted) 2.66 2.40 2.69 2.30 2.14 1.59 2.00 1.93 1.56 1.43 1.21 1.09 0.83 1.14 1.14 0.99 5.33 0.61 0.93 0.54 0.88 0.94 0.85 1.05 0.91 1.19 1.02 1.03 0.95 0.87 0.83 0.78 0.69
Balance Sheet
Cash & Equivalents 178.6 904.5 1,006.0 595.7 434.8 251.4 257.6 274.0 184.6 204.0 606.2 100.9 152.9 188.6 186.3 224.8 185.3 234.7 167.1 145.8 115.9 115.6 111.9 99.8
Total Assets 21,129.4 18,570.3 17,532.9 17,003.3 16,329.1 15,973.1 14,511.6 13,986.7 8,896.9 8,438.0 6,681.1 3,699.1 3,916.7 3,956.1 3,730.0 3,854.8 3,932.5 3,940.7 3,538.9 2,636.1 2,261.7 2,103.4 1,922.6 1,689.4
Total Debt 1,189.1 1,103.0 1,281.9 1,633.8 706.0 507.8 1,730.6 1,611.4 934.2 927.5 462.8 466.3 509.5 611.9 395.2 353.8 351.8 705.7 275.9 93.4 100.3 61.2 123.1 29.1
Stockholders' Equity 2,769.2 2,438.0 2,268.0 2,041.4 2,258.9 2,282.1 2,247.7 2,078.2 930.7 865.2 650.0 348.3 371.5 366.5 377.6 384.5 395.1 372.5 358.3 286.3 258.5 234.2 194.7 169.2
Cash Flow
Operating Cash Flow 337.9 262.2 487.0 200.8 388.2 108.4 186.3 260.3 123.5 142.6 60.5 53.3 61.8 64.1 77.4 66.8 52.2 61.2 57 35.7 41.8 34.8 36.9
Capital Expenditure (20.8) (21.1) (24.1) (13.8) (15.3) (16.5) (20.9) (18.2) (6.5) (9.7) (12.4) (13.7) (8.6) (3.3) (8.1) (5.5) (8.4) (8.7) (4.2) (4.4) (3.6) (4.4) (4.8)
Free Cash Flow 317.1 241.1 462.8 187.1 372.8 91.9 165.4 242.1 117.0 132.9 48.1 39.6 53.1 60.9 69.3 61.4 43.8 52.5 52.8 31.3 38.2 30.4 32.1