First Financial Bancorp /Oh/ (NASDAQ:FFBC)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Keeps a healthy share of every dollar it sells.
- Revenue
- $1.33B
- Net income
- $285.2M
- Net margin
- 21.4%
Little or no net debt.
- Total debt
- $952.5M
- Cash
- $787.9M
- Net debt / EBITDA
- 0.40x
Owes more within a year than it holds to pay it.
- Current assets
- $7.25B
- Current liabilities
- $19.12B
- Current ratio
- 0.38
The business funds itself from operations.
- Operating cash flow
- $792.3M
- Free cash flow
- $769.2M
- FCF margin
- 57.7%
Some dilution over the past year.
- Shares outstanding
- 103.7M
- Share growth (1y)
- 9.3%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
FFBC Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 314.15 M | 364.32 M | 330.10 M | 323.78 M | 313.96 M | 291.50 M |
| Revenue Growth (YoY) | 0.06 % | 24.98 % | 2.70 % | 6.92 % | -0.08 % | 1.50 % |
| Cost of Revenue | 101.35 M | 101.35 M | 101.44 M | 98.83 M | 97.43 M | 99.82 M |
| Gross Profit | 212.81 M | 262.98 M | 228.66 M | 224.95 M | 216.53 M | 191.68 M |
| SG&A Expense | 118.37 M | 112.10 M | 88.18 M | 99.49 M | 93.42 M | 93.12 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 118.37 M | 169.41 M | 149.53 M | 134.27 M | 128.67 M | 128.08 M |
| Operating Income | 94.44 M | 93.57 M | 79.13 M | 90.68 M | 87.86 M | 63.60 M |
| Pretax Income | 94.44 M | 93.57 M | 79.13 M | 90.68 M | 87.86 M | 63.60 M |
| Tax Provision | 17.98 M | 19.12 M | 16.74 M | 18.75 M | 17.86 M | 12.31 M |
| Net Income | 76.46 M | 74.44 M | 62.39 M | 71.92 M | 70.00 M | 51.29 M |
| EPS (Basic) | 0.74 | 0.72 | 0.65 | 0.76 | 0.74 | 0.54 |
| EPS (Diluted) | 0.73 | 0.71 | 0.64 | 0.75 | 0.73 | 0.54 |
| Shares Outstanding | 103.71 M | 103.71 M | 94.89 M | 94.89 M | 94.86 M | 94.65 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.