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FIRST FINANCIAL BANCORP /OH/

FFBC

$33.64 ▼ -0.15 (-0.44%) at close

17 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

FIRST FINANCIAL BANCORP /OH/ shows strong fundamentals with top-quartile Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $3.2B

Dividend Yield 2.91%

Revenue Growth 7.6% ↗

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 12.6x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.43

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$899.48M

↑ +7.6% —

Net Income Profit after all expenses

$255.60M

↑ +11.7% —

Long-Term Debt Long-term obligations

$514.05M

↑ +47.9% —

trending_up

Bullish Indicators

Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns →

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.98 Latest / share

+4.3% YoY

+0.4% 12-yr CAGR

$0.94

FY 2014

$0.61

FY 2015

$0.64

FY 2016

$0.68

FY 2017

$0.78

FY 2018

$0.90

FY 2019

$0.92

FY 2020

$0.92

FY 2021

$0.92

FY 2022

$0.92

FY 2023

$0.94

FY 2024

$0.98

FY 2025

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	7.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+27%)	-0.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-109%)	18.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+209%)	13.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+128%)	-3.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-157%)	4.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-19%)	11.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+90%)	53.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+794%)	11.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+97%)	10.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+66%)	-3.1% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-152%)	-19.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-427%)	-7.5% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-226%)	-3.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-163%)	-27.3% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-555%)	—	—
EPS Growth YoY (%)	10.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-11.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	16.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	7.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	35.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-20.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.1% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	24.2% Good → Good Stable Year-over-year change in earnings per share Optimal: > 10%	27.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	10.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	32.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-27.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	14.9% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	-79.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	11.7% Fair ↑ Fair Improving Year-over-year change in net income	-10.6% Weak ↓ Weak Declining Year-over-year change in net income	17.6% Good ↑ Good Improving Year-over-year change in net income	6.1% Fair ↓ Fair Declining Year-over-year change in net income	31.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-21.3% Weak ↓ Weak Declining Year-over-year change in net income	14.8% Fair ↓ Fair Declining Year-over-year change in net income	78.3% Excellent ↑ Excellent Improving Year-over-year change in net income	28.9% Excellent ↑ Excellent Improving Year-over-year change in net income	15.5% Good ↑ Good Improving Year-over-year change in net income	34.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-28.2% Weak ↓ Weak Declining Year-over-year change in net income	0.8% Caution ↑ Caution Improving Year-over-year change in net income	12.6% Fair Fair Year-over-year change in net income	-73.2% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	8.3% Fair → Fair Stable Compound annual revenue growth over 3 years	10.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	4.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	21.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	24.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	23.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	6.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-5.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-10.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-10.6% Weak Weak Compound annual revenue growth over 3 years	-13.5% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	14.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	14.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	17.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	8.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	-2.4% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-5.3% Weak Weak Compound annual revenue growth over 5 years	-12.8% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	4.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	3.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	19.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	5.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	0.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	17.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	20.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	23.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	2.0% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-1.5% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-6.0% Weak Weak Compound annual EPS growth over 3 years	-37.9% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Profit Margin (%) (%)	28.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	27.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	30.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	30.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	32.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	24.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	32.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	31.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	26.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	23.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	22.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	16.0% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	17.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	16.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	14.0% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	38.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	11.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	10.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	9.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	6.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	8.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	9.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	8.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	7.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	9.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	8.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	34.1% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+184%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.43x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.45x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	0.57x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-53%)	0.80x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-33%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.41x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.77x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-36%)	0.78x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	1.00x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-16%)	1.31x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+9%)	0.91x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	1.19x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.99x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-18%)	0.25x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.18x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$9.44	$8.85	$8.94	$7.58	$6.56	$6.63	$6.26	$6.24	$5.85	$5.27	$4.99	$5.27	$6.49	$7.04	$7.41	$12.90	—
Basic EPS, GAAP (USD)	$2.68	$2.42	$2.72	$2.33	$2.16	$1.60	$2.01	$1.95	$1.57	$1.23	$1.11	$0.84	$1.16	$1.16	$1.01	$4.84	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.98	$0.94	$0.92	$0.92	$0.92	$0.92	$0.90	$0.78	$0.68	$0.64	$0.61	$0.94	$1.18	$0.78	$0.40	$0.40	—
Book Value per Share (USD)	$29.06	$25.83	$24.14	$21.83	$23.77	$23.44	$22.86	$23.46	$15.13	$13.25	$13.37	$11.91	$12.27	$12.35	$12.24	$14.43	—
Tangible Book Value per Share (USD)	$16.28	$14.31	$12.54	$11.12	$13.24	$13.81	$13.33	$13.06	$11.75	$9.81	$10.88	$10.15	$10.50	$10.51	$11.23	$14.43	—
Basic Weighted Avg Shares (shares)	95.28M	94.40M	93.94M	93.53M	95.03M	97.36M	98.31M	88.58M	61.53M	61.06M	58.66M	57.27M	57.88M	57.69M	56.97M	45.03M	—
Dividend Payout Ratio (%)	36.6% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	38.8% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	33.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	39.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	42.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	57.5% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	44.8% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	40.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	43.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	52.0% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	55.0% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	111.9% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	101.7% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	67.2% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	8.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$514.05M	$347.51M	$344.12M	$346.67M	$409.83M	$776.20M	$414.38M	$570.74M	$119.65M	$119.59M	$48.24M	$60.78M	$75.20M	$76.54M	$128.88M	—	—
Total Equity (USD)	$2.77B	$2.44B	$2.27B	$2.04B	$2.26B	$2.28B	$2.25B	$2.08B	$930.66M	$809.38M	$784.08M	$682.16M	$710.42M	$712.22M	$697.39M	$649.96M	$348.33M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$899.48M	$835.58M	$840.19M	$708.78M	$623.62M	$645.63M	$615.63M	$552.62M	$359.69M	$321.70M	$292.59M	$301.97M	$375.76M	$406.43M	$422.34M	$580.70M	—
Depreciation Expense (USD)	$14.00M	$14.40M	$13.30M	$12.90M	$14.10M	$15.40M	—	—	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$255.60M	$228.83M	$255.86M	$217.61M	$205.16M	$155.81M	$198.07M	$172.59M	$96.79M	$75.06M	$65.00M	$48.35M	$67.30M	$66.74M	$59.25M	$221.34M	—
Operating Cash Flow (USD)	$337.86M	$262.16M	$486.97M	$200.85M	$388.16M	$109.89M	$186.33M	$261.40M	$123.52M	$91.57M	$56.65M	$164.35M	$211.83M	$203.08M	$185.01M	$39.45M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2014 10-K ↗	FY 2014 Dec 31, 2013 10-K ↗	FY 2013 Dec 31, 2012 10-K ↗	FY 2012 Dec 31, 2011 10-K ↗	FY 2011 Dec 31, 2010 10-K ↗	FY 2010 Dec 31, 2009 10-K ↗	FY 2009 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.0%	3.3%	3.6%	3.1%	2.8%	2.9%	3.3%	3.2%	3.2%	2.9%	3.2%	3.6%	3.9%	4.0%	4.4%	—	—
Efficiency Ratio (%) (%)	60.1%	62.2%	56.9%	64.2%	64.3%	60.5%	55.6%	58.6%	66.7%	62.5%	67.0%	74.7%	59.1%	53.7%	55.3%	29.4%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 63 quarters

FIRST FINANCIAL BANCORP /OH/

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