FFBC First Financial Bancorp margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 74

Gross margin

94.4%

Operating margin

36.2%

EBITDA margin

41.8%

Net margin

29.1%

Currently, First Financial Bancorp has a gross margin of 94.4%, an operating margin of 36.2%, an EBITDA margin of 41.8%, and a net margin of 29.1%. EBITDA margin recorded the largest year-over-year gain at 0.9 percentage points, while net margin recorded the largest decline at 1.3 percentage points.

FFBC margin history

Gross, operating, EBITDA and net margin trends

First Financial Bancorp's margins averaged 94.48% gross, 36.47% operating, 41.37% EBITDA, and 29.73% net over the last 3 years. The current figures show EBITDA margin is above its three-year average, while gross, operating, and net margins are below their three-year averages.

FFBC margin expansion

Year-over-year margin changes in percentage points

Compared with the same period last year, gross margin expanded by 0.6 percentage points and EBITDA margin by 0.9 percentage points, while operating margin contracted by 0.2 percentage points and net margin by 1.3 percentage points.

Gross margin expansion

0.6pp

Operating margin expansion

-0.2pp

EBITDA margin expansion

0.9pp

Net margin expansion

-1.3pp

FFBC Gross margin

First Financial Bancorp's gross margin averaged 94.48% over the last 3 years. The current gross margin of 94.4% is 0.1 percentage points below its three-year average. Over the last 3 years, First Financial Bancorp's gross margin peaked at 95.9% in Dec 2023 and reached a low of 93.8% in Jun 2025.

FFBC Operating margin

First Financial Bancorp recorded an average operating margin of 36.47% across the last 3 years. Currently, the current operating margin for First Financial Bancorp is 36.2%, 0.3 percentage points below its three-year average. The operating margin for First Financial Bancorp moved between 34% in Mar 2025 and 40% in Dec 2023.

FFBC EBITDA margin

Looking back over the last 3 years, First Financial Bancorp recorded an average EBITDA margin of 41.37%. The current EBITDA margin of 41.8% is 0.4 percentage points above its three-year average. The highest EBITDA margin for First Financial Bancorp was 44.7% in Dec 2023, while the lowest was 38.8% in Mar 2025.

FFBC Net margin

Across the last 3 years, First Financial Bancorp recorded an average net margin of 29.73%. First Financial Bancorp's current net margin is 29.1% and is 0.6 percentage points below its three-year average. The highest net margin for First Financial Bancorp was 32.1% in Dec 2023, while the lowest was 28.8% in Mar 2025.

FFBC margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 94.4%, FFBC stands above the Financial Services sector average but below the industry and its peers average. Compared to its Financial Services sector average of 83.5%, First Financial Bancorp's gross margin is 13% higher.

FFBC margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is First Financial Bancorp's gross margin?

For the period ending Sep 30, 2026, FFBC recorded a gross margin of 94.4%.

What is First Financial Bancorp's operating margin?

For the period ending Sep 30, 2026, FFBC recorded an operating margin of 36.2%.

What is First Financial Bancorp's EBITDA margin?

For the period ending Sep 30, 2026, FFBC recorded an EBITDA margin of 41.8%.

What is First Financial Bancorp's net margin?

The current net margin for FFBC is 29.1% as of Sep 30, 2026.

What are the average margins of FFBC?

Looking back over 3 years, FFBC recorded average margins of 94.5% gross, 36.5% operating, 41.4% EBITDA, and 29.7% net.

What are the highest historical margins of FFBC?

First Financial Bancorp's highest recorded margins during the past 5 years were 100% gross in Dec 2021, 40.3% operating in Sep 2023, 45% EBITDA in Sep 2023, and 33.4% net in Jun 2023.

What are the lowest historical margins of FFBC?

Over this 5-year history, First Financial Bancorp's margins fell as low as 93.8% gross in Jun 2025, 33% operating in Sep 2022, 38.8% EBITDA in Mar 2025, and 28.8% net in Mar 2025.