First Financial Bancorp
Regional bank combining Midwestern branches with nationwide specialty finance and foreign exchange.
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Profile
Provides commercial and retail banking, commercial real estate and mortgage lending, wealth management, and specialty finance through First Financial Bank. Core branches span Ohio, Indiana, Kentucky, and Illinois, while niche lenders and foreign-exchange services reach clients nationwide.
Operates Commercial, Retail Banking, Investment Commercial Real Estate, Mortgage Banking, Commercial Finance, and Wealth Management through First Financial Bank. Deposits and treasury services support lending to businesses and consumers, while mortgages may be sold with or without servicing.
Combines local decision-making across Ohio, Indiana, Kentucky, and Illinois with specialized underwriting for equipment leases, insurance businesses, restaurant franchisees, and premium finance nationwide. Bannockburn Global Forex adds currency payments, hedging, and advisory services for small and midsize clients.
Recent Westfield and BankFinancial acquisitions expanded Northeast Ohio and Chicago operations. Earnings depend on deposit funding, borrower credit quality, interest-rate conditions, acquisition integration, and federal and state banking regulation.
Company facts
Categories
Key statistics
Year to date +30.8% · Average volume (30d) 837.8K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Jul 10, 2026 | Truist Financial | Target | $30 | $35 | |
| Jul 1, 2026 | Raymond James | Reiterate | Outperform | $34 | $36 |
| Apr 27, 2026 | Raymond James | Target | $28 | $34 | |
| Apr 27, 2026 | RBC Capital | Reiterate | Sector Perform | $30 | $32 |
| Mar 27, 2026 | Stephens | Target | $33 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 21, 2026Q2 FY26 | $0.78 | $0.80 | +2.6% | $270.3M | $264.2M | −2.3% | −4.79% |
| Apr 23, 2026Q1 FY26 | $0.70 | $0.77 | +10.0% | $257.9M | $271.5M | +5.3% | +2.41% |
| Jan 28, 2026Q4 FY25 | $0.79 | $0.80 | +1.3% | $248.9M | $238.8M | −4.1% | +5.88% |
| Oct 23, 2025Q3 FY25 | $0.73 | $0.76 | +3.5% | $229.7M | $255.8M | +11.3% | −0.95% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $291.5M | $314.0M | $323.8M | $330.1M | $364.3M | $314.2M | |
| Gross profit | $191.7M | $216.5M | $224.9M | $228.7M | $263.0M | $212.8M | |
| Operating income | $63.6M | $87.9M | $90.7M | $79.1M | $93.6M | $94.4M | |
| Net income | $51.3M | $70.0M | $71.9M | $62.4M | $74.4M | $76.5M | |
| Diluted EPS | $0.54 | $0.73 | $0.75 | $0.64 | $0.71 | $0.73 | |
| Gross margin | 65.8% | 69.0% | 69.5% | 69.3% | 72.2% | 67.7% | |
| Operating margin | 21.8% | 28.0% | 28.0% | 24.0% | 25.7% | 30.1% |
Fiscal years (4-quarter sums)FY21 $654.7M · FY22 $774.6M · FY23 $1.12B · FY24 $1.23B · FY25 $1.26B
Balance sheet, Jun 30, 2026Cash & short-term investments $5.87B · Total debt $952.6M · Total assets $22.44B · Shareholders' equity $2.99B
Dividends
Raised for 11 straight years — most recently to $0.25 from $0.24 in Sep 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 1, 2026 | Jun 1 | Jun 15 | $0.25 | |
| Mar 2, 2026 | Mar 2 | Mar 16 | $0.25 | |
| Dec 1, 2025 | Dec 1 | Dec 15 | $0.25 | |
| Sep 2, 2025 | Sep 2 | Sep 15 | $0.25 | raised from $0.24 |
| Jun 2, 2025 | Jun 2 | Jun 16 | $0.24 | |
| Mar 3, 2025 | Mar 3 | Mar 17 | $0.24 | |
| Dec 2, 2024 | Dec 2 | Dec 16 | $0.24 | |
| Aug 30, 2024 | Sep 2 | Sep 16 | $0.24 | raised from $0.23 |
Ownership
Shares outstanding 104.96M · Float 103.74M · 98.9% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 15.27M | 14.55% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 6.65M | 6.33% | 13F | Aug 11, 2026 |
| Vanguard Portfolio Management LLC | 6.37M | 6.07% | 13F | Aug 13, 2026 |
| Nomura Asset Management International Inc. | 5.89M | 6.00% | 13G | Feb 17, 2026 |
| State Street Corp | 5.80M | 5.53% | 13F | Aug 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 26, 2026 | Thomas Murray Obrien | director | −16,088 | $32.77 |
| Aug 3, 2026 | Scott T. Crawley | officer: Controller & Prin Actg Officer | −2,700 | $34.16 |
| Jul 31, 2026 | James M. Anderson | officer: Chief Financial Officer | −4,000 | $33.73 |
| Jun 8, 2026 | Archie M. Brown | director, officer: President & CEO | −10,000 | $30.93 |
| May 29, 2026 | Dawn C. Morris | director | −740 | $30.90 |
Peers
- Fifth Third
Cincinnati super-regional pressure across core Midwest banking
- Huntington Bancshares
Ohio-led regional bank overlap in consumer and commercial banking
- PNC Financial Services Group
Larger in-market bank for retail, treasury, wealth, and mortgage
- Old National Bancorp
Midwest regional peer across commercial, retail, and wealth banking
- Wintrust Financial
Chicago bank and premium-finance rival with specialty overlap
- First Merchants
Indiana-centered peer for community banking and wealth services
- WesBanco
Adjacent Ohio, Kentucky, and Indiana regional-bank peer
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Financial Bancorp | $32.84 | +0.09% | $3.44B | 11.6 | 10.2 | 2.6 | +16.7% |
| Fifth Third | $54.60 | +0.14% | $49.43B | 18.6 | 11.9 | 3.3 | +45.2% |
| Huntington Bancshares | $16.95 | +0.18% | $34.19B | 12.6 | 9.8 | 2.4 | +47.4% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| Old National Bancorp | $25.85 | +0.02% | $9.89B | 11.4 | 9.5 | 2.5 | +12.3% |
| Wintrust Financial | $161.72 | +5.73% | $10.32B | 12.1 | 11.6 | 2.4 | +10.1% |
| First Merchants | $41.93 | −0.02% | $2.63B | 13.4 | 9.9 | 2.4 | +23.2% |
| WesBanco | $40.42 | 0.00% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| Median | 12.6 | 11.1 | 2.5 | +21.4% |