First Financial Bancorp.
FFBCFinancial ServicesNASDAQBanks - Regional
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Daily timeframeFirst 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 $3.23B market capitalization puts FFBC squarely in mid-cap range for its industry. 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.
Market Cap
$3.23B
Beta
0.94
P/E (TTM)
10.87
P/E (Fwd)
8.98
EPS (TTM)
$2.83
EPS (Fwd)
$3.43
ROE
10.3%
ROA
1.4%
Cash
$1.66B
Total Debt
$1.52B
Free CF
—
52W Change
30.0%
Annual Financials
Cash vs Debt
First Financial Bancorp. holds $1.66B in cash against $1.52B in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 10.2%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.4% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $708.8M (2022) to $899.5M (2025), reflecting a 27% increase over the period.
Investors considering First Financial Bancorp. should weigh the typical risks associated with FFBC's sector, size, and financial profile against their own risk tolerance and investment objectives. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for First Financial Bancorp. and its sector.