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Price (delayed)
$29.36
Market cap
$2.8B
P/E Ratio
12.55
Dividend/share
$0.93
EPS
$2.34
Enterprise value
$3.11B
First Financial Bancorp is a Cincinnati, Ohio based bank holding company. As of June 30, 2020, the Company had $15.9 billion in assets, $10.2 billion in loans, $11.7 billion in
Highlights
FFBC's debt is down by 24% since the previous quarter and by 12% year-on-year
FFBC's equity is up by 15% year-on-year and by 5% since the previous quarter
The stock's price to earnings (P/E) is 34% more than its last 4 quarters average of 9.4 and 28% more than its 5-year quarterly average of 9.8
The company's EPS fell by 18% YoY and by 4.5% QoQ
Key stats
What are the main financial stats of FFBC
Market
Valuations
Earnings
Shares outstanding
95.49M
Market cap
$2.8B
Enterprise value
$3.11B
Price to earnings (P/E)
12.55
Price to book (P/B)
1.14
Price to sales (P/S)
3.63
EV/EBIT
11.39
EV/EBITDA
9.99
EV/Sales
4.07
Revenue
$763.63M
EBIT
$272.8M
EBITDA
$311.12M
Free cash flow
$220.14M
Per share
Balance sheet
Liquidity
EPS
$2.34
Free cash flow per share
$2.33
Book value per share
$25.66
Revenue per share
$8.08
TBVPS
$180.55
Total assets
$18.15B
Total liabilities
$15.7B
Debt
$1.16B
Equity
$2.45B
Working capital
N/A
Debt to equity
0.47
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.98
Margins
Efficiency
Dividend
EBITDA margin
40.7%
Gross margin
94.7%
Net margin
28.9%
Operating margin
35.7%
Return on assets
1.2%
Return on equity
9.5%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
35.7%
Dividend yield
3.17%
DPS
$0.93
Payout ratio
39.7%
FFBC stock price
How has the First Financial Bancorp stock price performed over time
Intraday
2.41%
1 week
0.96%
1 month
16.88%
1 year
45.06%
YTD
23.62%
QTD
16.37%
Financial performance
How have First Financial Bancorp's revenue and profit performed over time
Revenue
$763.63M
Gross profit
$722.89M
Operating income
$272.8M
Net income
$220.68M
Gross margin
94.7%
Net margin
28.9%
The company's net income fell by 18% YoY and by 4.6% QoQ
The operating income has declined by 16% year-on-year and by 4.7% since the previous quarter
FFBC's net margin is down by 13% year-on-year and by 3.3% since the previous quarter
First Financial Bancorp's operating margin has decreased by 11% YoY and by 3.5% QoQ
Growth
What is First Financial Bancorp's growth rate over time
Valuation
What is First Financial Bancorp stock price valuation
P/E
12.55
P/B
1.14
P/S
3.63
EV/EBIT
11.39
EV/EBITDA
9.99
EV/Sales
4.07
The stock's price to earnings (P/E) is 34% more than its last 4 quarters average of 9.4 and 28% more than its 5-year quarterly average of 9.8
The company's EPS fell by 18% YoY and by 4.5% QoQ
FFBC's P/B is 27% above its 5-year quarterly average of 0.9 and 14% above its last 4 quarters average of 1.0
FFBC's equity is up by 15% year-on-year and by 5% since the previous quarter
FFBC's price to sales (P/S) is 30% more than its last 4 quarters average of 2.8 and 21% more than its 5-year quarterly average of 3.0
FFBC's revenue is down by 6% year-on-year
Efficiency
How efficient is First Financial Bancorp business performance
The ROE has decreased by 25% YoY and by 8% from the previous quarter
The ROA has contracted by 25% YoY and by 8% from the previous quarter
FFBC's return on invested capital is down by 16% year-on-year and by 6% since the previous quarter
The company's return on sales fell by 11% YoY and by 3.5% QoQ
Dividends
What is FFBC's dividend history
DPS
$0.93
Dividend yield
3.17%
Payout ratio
39.7%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did First Financial Bancorp financials performed over time
The company's total assets is 16% higher than its total liabilities
The company's total assets rose by 6% YoY
First Financial Bancorp's total liabilities has increased by 5% YoY
FFBC's debt is 53% smaller than its equity
First Financial Bancorp's debt to equity has decreased by 28% QoQ and by 24% YoY
FFBC's debt is down by 24% since the previous quarter and by 12% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.