Westfield Bank
Total Consideration
$324.4M
First Financial Bancorp. — Key Metrics
2 years of history · ending 2025-12-31 · SEC EDGAR
Per Share Metrics
Expense Ratios
Working Capital Analysis
Valuation Multiples
Cash-Flow Multiples
Enterprise Value Multiples
52-Week Range
Trailing Returns
Yields
Capital Deployment Yields
Liquidity & Leverage Ratios
Earnings Quality (OCF/NI · FCF/NI · Sloan Accruals)
EPS (Diluted)
$3
Book Value Per Share
$29
Free Cash Flow Per Share
$3
Revenue Per Share
$10
OCF Per Share
$4
Return on Equity
9.8%
Return on Assets
1.3%
Debt to Equity
0.19
Asset Turnover
0.05
SBC / Revenue
1.6%
Capex / Revenue
2.1%
Invested Capital
$3.28B
OCF / Net Income
1.32
FCF / Net Income
1.24
Accruals Ratio (Sloan)
-0.4%
Net Debt
$1.19B
Net Debt / EBITDA
37.37
Cash Coverage
—
Dividend Coverage
3.57
Capex Coverage
16.28
Tangible Common Equity
$1.55B
TCE / Total Assets
7.3%
Goodwill / Total Assets
5.2%
Cash ROIC
10.5%
Capex / D&A
0.65
Total Payout Ratio
37.0%
Asset Growth vs Revenue Growth
13.8%
Revenue 5Y CAGR
13.8%
EPS 5Y CAGR
10.4%
FCF 5Y CAGR
28.1%
EBITDA 5Y CAGR
-0.9%
Book Value 5Y CAGR
3.9%
Stock Price (FY-end)
$25
Market Cap
$2.38B
P/E Ratio
9.33
P/S Ratio
2.38
P/B Ratio
0.86
P/TB Ratio
1.54
P/OCF Ratio
7.06
P/FCF Ratio
7.52
Enterprise Value
$3.57B
EV / EBITDA
112.28
EV / Sales
3.57
EV / FCF
11.27
FCF Yield
13.3%
Dividend Yield
4.0%
Shareholder Yield
3.3%
Buyback Yield
—
Capex Yield
0.9%
Dividend Per Share
$1
DPS YoY Growth
4.9%
Graham Number
$42
Shares Variation (YoY)
-8.4%
Beta (5Y)
0.93
Cost of Equity
9.1%
Cost of Debt (after tax)
—
WACC
—
52W High
$28
52W Low
$21
Trailing Return 1Y
-4.0%
Trailing Return 5Y
75.8%
Earnings Forecasts
Per-quarter consensus estimates + actuals + beat/miss surprise. Sourced from Finnhub (Wall Street consensus aggregation).
Source caveat: Finnhub free tier returns the consensus mean only — analyst high / low / dispersion + analyst counts require a paid plan. A "$5.00 consensus" line above could mean "20 analysts at exactly $5" (high conviction) or "10 at $5.50, 10 at $4.50" (split). Treat single-line consensus accordingly.
EPS — Consensus vs Actual
Revenue — Consensus vs Actual
Beat / Miss vs Estimate
Stock Price on Earnings Dates
First Financial Bancorp. — Effective Tax Rate ReconciliationNEW
Bridges from the federal statutory rate (21% post-TCJA) to the effective tax rate via the issuer's tax-note reconciliation lines. Sourced from EffectiveIncomeTaxRateReconciliation* flat CompanyFacts concepts. Conditional lines (R&D credits, FDII, SBC, valuation allowance, etc.) only render when the issuer discloses them. Persistent divergence between accrual tax expense and cash taxes paid is a leading signal for deferred-tax buildup.
Effective Rate Trend
| Reconciliation Line | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Federal Statutory Rate | 21.00% | 21.00% | 21.00% | 21.00% | 21.00% | 21.00% |
| State & Local Income Taxes | — | — | — | 1.00% | 0.60% | 1.30% |
| Foreign Rate Differential | — | — | — | — | — | — |
| Other Adjustments | — | — | — | 0.20% | 0.00% | 0.30% |
| Nondeductible Expenses | — | — | — | -0.10% | 0.20% | 0.70% |
| Tax Law Change | — | — | — | — | — | — |
| Effective Tax Rate | — | — | — | 19.70% | 14.70% | 20.40% |
Cash vs Accrual
| Item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Accrual) | $28.6M | $35.8M | $24.1M | $62.7M | $39.5M | $65.7M |
| Income Taxes Paid (Cash) | — | — | — | $10.1M | $27.5M | $9.2M |
First Financial Bancorp. — M&A AcquisitionsNEW
Per-deal acquisition disclosures sourced from us-gaap:BusinessAcquisitionAxis dimensional XBRL. Each card surfaces the deal's purchase-price allocation (goodwill vs intangibles vs liabilities), contingent consideration (unpaid earn-outs), and pro-forma combined-entity numbers. Probability-of-Success (PoS) factor on biotech targets is the ASC 805 contingent-consideration valuation — higher = closer to commercialization, higher implied target value.