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First Financial Bancorp First Quarter 2025 Earnings: Misses Expectations
Wed 30 Apr 25, 12:43 PMFirst Financial (FFBC) Upgraded to Buy: Here's What You Should Know
Tue 29 Apr 25, 04:00 PMCompared to Estimates, First Financial (FFBC) Q1 Earnings: A Look at Key Metrics
Thu 24 Apr 25, 10:30 PMFirst Financial Bancorp (FFBC) Meets Q1 Earnings Estimates
Thu 24 Apr 25, 09:35 PMFirst Financial: Q1 Earnings Snapshot
Thu 24 Apr 25, 08:30 PMFirst Financial Bancorp Announces First Quarter 2025 Financial Results
Thu 24 Apr 25, 08:15 PM3 Reliable Dividend Stocks Offering Up To 5.1% Yield
Thu 24 Apr 25, 11:31 AMBest Income Stocks to Buy for March 28th
Fri 28 Mar 25, 07:09 AMWhy First Financial Bancorp (FFBC) is a Great Dividend Stock Right Now
Wed 26 Mar 25, 03:45 PM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 241.72M | 240.93M | 184.41M | 242.86M | 214.22M |
| Minority interest | - | - | - | - | - |
| Net income | 217.61M | 205.16M | 155.81M | 198.07M | 172.59M |
| Selling general administrative | 276.56M | 285.85M | 272.89M | 236.18M | 224.20M |
| Selling and marketing expenses | 8.74M | 7.98M | 6.41M | 6.91M | 7.60M |
| Gross profit | 708.78M | 623.62M | 645.63M | 615.63M | 552.62M |
| Reconciled depreciation | 11.19M | 9.84M | 33.34M | 28.14M | 24.17M |
| Ebit | 335.21M | 240.93M | 184.41M | 242.86M | 305.37M |
| Ebitda | 346.39M | 250.77M | 195.54M | 252.53M | 329.54M |
| Depreciation and amortization | 11.19M | 9.84M | 11.13M | 9.67M | 24.17M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 335.21M | 240.93M | 184.41M | 242.86M | 305.37M |
| Other operating expenses | -373.57700M | -382.69100M | -461.22300M | -372.76500M | 247.25M |
| Interest expense | 65.86M | 31.10M | 68.45M | 123.32M | 91.15M |
| Tax provision | 24.11M | 35.77M | 28.60M | 44.79M | 41.63M |
| Interest income | 585.01M | 483.22M | 524.96M | 607.58M | 540.38M |
| Net interest income | 519.14M | 452.12M | 456.51M | 484.25M | 449.24M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 24.11M | 35.77M | 28.60M | 44.79M | 41.63M |
| Total revenue | 708.78M | 623.62M | 645.63M | 615.63M | 552.62M |
| Total operating expenses | -373.57700M | -382.69100M | -461.22300M | -372.76500M | -247.24900M |
| Cost of revenue | - | - | - | - | 0.00000M |
| Total other income expense net | -93.48500M | -31.09900M | -68.45200M | -123.32400M | -91.14700M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 217.61M | 205.16M | 213.01M | 287.65M | 255.85M |
| Net income applicable to common shares | 217.61M | 205.16M | 155.81M | 198.07M | 172.59M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 17532.90M | 17003.32M | 16329.14M | 15973.13M | 14511.62M |
| Intangible assets | 83.95M | 93.92M | 88.90M | 64.55M | 76.20M |
| Earning assets | - | - | - | - | 2480.93M |
| Other current assets | 1078.74M | 96.64M | 4868.32M | 6268.83M | 6217.25M |
| Total liab | 15264.93M | 14961.94M | 14070.20M | 13691.06M | 12263.92M |
| Total stockholder equity | 2267.97M | 2041.37M | 2258.94M | 2282.07M | 2247.70M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 8804.19M | -1914.09400M | -737.21000M | -516.26500M | -1474.13400M |
| Common stock | 1638.97M | 1634.61M | 1640.36M | 1638.95M | 1640.77M |
| Capital stock | 1638.97M | 1634.61M | 1640.36M | 1638.95M | 1640.77M |
| Retained earnings | 1136.72M | 968.24M | 837.47M | 720.43M | 711.25M |
| Other liab | - | 448.37M | 397.97M | 438.01M | 244.99M |
| Good will | 1005.87M | 1001.51M | 1000.75M | 937.77M | 937.77M |
| Other assets | - | 6528.14M | 4868.32M | 6268.83M | 6217.25M |
| Cash | 1006.02M | 595.68M | 434.84M | 251.36M | 257.64M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 9756.74M | 1914.09M | 737.21M | 516.26M | 1474.13M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 357.17M | 1038.14M | 219.99M | 524.84M | 1307.74M |
| Short term debt | 952.55M | 1287.16M | 245.00M | 166.59M | 1151.00M |
| Short long term debt | 937.81M | 1287.16M | 245.00M | 0.00000M | 1151.00M |
| Short long term debt total | 1363.19M | 1633.83M | 654.83M | 776.20M | 1565.38M |
| Other stockholder equity | -197.89700M | -202.80600M | -218.45600M | -125.97000M | -117.63800M |
| Property plant equipment | - | 91.74M | 73.86M | 207.21M | 214.51M |
| Total current assets | 1078.74M | 5462.10M | 5695.04M | 4805.31M | 3945.93M |
| Long term investments | 3231.39M | 3636.83M | 4409.24M | 13455.86M | 9425.58M |
| Net tangible assets | - | 945.95M | 1169.30M | 1279.75M | 1233.73M |
| Short term investments | 3021.13M | 3409.65M | 4207.85M | 3424.58M | 2852.08M |
| Net receivables | 462.45M | 1456.77M | 1052.35M | 1129.37M | 836.21M |
| Long term debt | 342.50M | 346.67M | 409.83M | 776.20M | 413.16M |
| Inventory | -249.39300M | 0.19M | 0.10M | 1.29M | 2.03M |
| Accounts payable | - | 626.94M | 492.21M | 516.26M | 323.13M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -309.81900M | -358.66300M | -0.43300M | 48.66M | 13.32M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 1634.61M | 1640.36M | 1638.95M | 1640.77M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | 968.24M | 837.47M | 720.43M | 711.25M |
| Treasury stock | - | -202.80600M | -218.45600M | -125.97000M | -117.63800M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 448.56M | -5013.07300M | -5765.78100M | -4898.99900M | -4348.44400M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 16454.15M | 5013.07M | 5765.78M | 4899.00M | 4348.44M |
| Capital lease obligations | 1.61M | 1.70M | 1.78M | 1.86M | 1.21M |
| Long term debt total | - | - | - | - | 171.95M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Investments | -659.43500M | -846.90400M | -389.25500M | -1190.48100M | -181.39800M |
| Change to liabilities | - | 170.95M | -26.12600M | 168.74M | 73.51M |
| Total cashflows from investing activities | - | -883.10500M | -512.33400M | -1204.87100M | -252.42400M |
| Net borrowings | - | 926.93M | -333.77300M | -790.12300M | 115.84M |
| Total cash from financing activities | 219.85M | 669.73M | 110.85M | 1125.35M | 30.57M |
| Change to operating activities | - | -55.44400M | 112.57M | -121.62600M | -96.71600M |
| Net income | 255.86M | 217.61M | 205.16M | 155.81M | 198.07M |
| Change in cash | 5.56M | -12.53000M | -11.02300M | 30.36M | -35.53000M |
| Begin period cash flow | 207.50M | 220.03M | 231.05M | 200.69M | 236.22M |
| End period cash flow | 213.06M | 207.50M | 220.03M | 231.05M | 200.69M |
| Total cash from operating activities | 478.40M | 200.85M | 390.46M | 109.89M | 186.33M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 37.80M | 38.81M | 32.14M | 33.34M | 28.14M |
| Other cashflows from investing activities | - | -22.42300M | -107.74600M | 2.08M | -50.09200M |
| Dividends paid | 87.16M | 86.61M | 87.32M | 89.69M | 89.10M |
| Change to inventory | - | - | 113.99M | -112.68900M | -94.51300M |
| Change to account receivables | -9.56700M | -19.13400M | 6.46M | -9.69700M | 2.12M |
| Sale purchase of stock | 0.00000M | 0.18M | -108.07700M | -16.68600M | -66.21800M |
| Other cashflows from financing activities | 659.62M | 820.35M | 769.62M | 1913.23M | 345.53M |
| Change to netincome | - | 13.37M | 5.75M | 38.85M | 39.55M |
| Capital expenditures | 24.14M | 43.25M | 15.33M | 16.47M | 20.93M |
| Change receivables | - | -19.13400M | 6.46M | -9.69700M | 2.12M |
| Cash flows other operating | - | -225.95700M | 138.09M | -298.20100M | -166.48800M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | -12.53000M | -11.02300M | 30.36M | -35.53000M |
| Change in working capital | 127.68M | -74.57800M | 119.03M | -131.32300M | -94.59900M |
| Stock based compensation | 14.90M | 13.38M | 9.63M | 7.68M | 7.97M |
| Other non cash items | 28.80M | 9.13M | 12.41M | 52.77M | 34.16M |
| Free cash flow | 454.26M | 157.59M | 375.13M | 93.42M | 165.40M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | |
|---|---|---|---|---|---|---|---|
| FFBC First Financial Bancorp |
-0.11 0.41% | 26.92 | 9.11 | 9.11 | 2.53 | 0.89 | |
| HDB HDFC Bank Limited ADR |
-0.16 0.56% | 28.23 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.248 0.78% | 31.41 | 6.61 | 5.68 | 0.48 | 0.77 | 3.43 |
| IBN ICICI Bank Limited |
-0.24 0.89% | 26.58 | 17.79 | 16.95 | 0.07 | 3.08 | |
| BNPQY BNP Paribas SA ADR |
-1.17 2.37% | 48.10 | 8.57 | 6.56 | 1.75 | 0.57 |
First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking, savings, and money-market accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for 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 comprising 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 commercial financing 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; and currency payments, foreign exchange hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.
255 East Fifth Street, Cincinnati, OH, United States, 45202
| Name | Title | Year Born |
|---|---|---|
| Mr. Archie M. Brown Jr. | Pres, CEO & Director | 1961 |
| Mr. James Michael Anderson | Exec. VP & CFO | 1972 |
| Mr. John M. Gavigan | Exec. VP & COO | 1978 |
| Ms. Karen Ball Woods J.D. | Exec. VP, Gen. Counsel & Chief Risk Officer | 1968 |
| Mr. Richard S. Dennen CPA | Exec. VP & Chief Corp. Banking Officer | 1967 |
| Mr. Scott T. Crawley CPA | First VP, Corp. Controller & Principal Accounting Officer | 1981 |
| Mr. Gregory A. Harris | Pres of Wealth Management & Affluent Banking | 1970 |
| Mr. Roddell McCullough | Chief Responsibility Officer | NA |
| Mr. William R. Harrod | Exec. VP & Chief Credit Officer | 1968 |
| Ms. Amanda N. Neeley | Exec. VP and Chief Consumer Banking & Strategy Officer | 1981 |
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