Quarter
Charts

First Financial Bancorp.

FFBC

CIK 0000708955 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$265M
↑+5.5% +$14Mvs FY2024 (Q4)
Operating Income
$256M
↑+4.7% +$12Mvs FY2024 (Q4)
Net Income
$62M
↓-3.8% -$2Mvs FY2024 (Q4)
Gross Profit
$265M
↑+5.5% +$14Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
21/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    91D/E 0.19 (under 0.5 = conservative)
  • Efficiency
    0Asset Turnover 0.05x (1.0+ = capital-efficient)
  • Growth
    35Revenue YoY +5.5% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project FFBC's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

19%

Trailing 3-yr CAGR was 19.2%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$87.79
Total enterprise IV
$8.44B
Diluted shares
0.10B
Terminal PV
$6.42B (76% of total)
Year-5 FCF
$757M
YearProjected FCFDiscounted PV
+1$377M$343M
+2$449M$371M
+3$534M$401M
+4$636M$434M
+5$757M$470M
Terminal$10.34B$6.42B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$21M
investment in PP&E
Dividends paid (TTM)
$95M
cash returned to holders
Stock buybacks (TTM)
—
share count reduction
Stock-based comp (TTM)
$16M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$21.13B
everything owned
Total liabilities
$18.36B
everything owed
Stockholders' equity
$2.77B
shareholder claim
Long-term debt
$514M
outstanding bonds + loans

Recent performance · 64 quarters

Revenue↑+5.5% +$14M
$265M
Net Income↓-3.8% -$2M
$62M
Free Cash Flow↑+70.2% +$47M
$114M

Drill down

FFBC Sankey

See First Financial Bancorp.'s revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

Open Sankey

FFBC Charts

64 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

Open Charts

FFBC Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

Open Key Metrics