First Financial Bancorp (FFBC)
Regional bank combining Midwestern branches with nationwide specialty finance and foreign exchange.
$31.27
vs last close−0.06 (−0.19%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 289 | 285 | 287 | 314 | 303 | 321 | 292 | 314 | 324 | 330 | 364 | 314 |
| Cost of revenue | 88 | 95 | 103 | 116 | 112 | 107 | 100 | 97 | 99 | 101 | 101 | 101 |
| Gross profit | 200 | 191 | 184 | 198 | 191 | 215 | 192 | 217 | 225 | 229 | 263 | 213 |
| 122 | 119 | 122 | 124 | 126 | 148 | 128 | 129 | 134 | 150 | 169 | 118 | |
| 90 | 85 | 89 | 91 | 92 | 98 | 93 | 93 | 99 | 88 | 112 | 118 | |
| Selling & marketing | 3 | 2 | 2 | 3 | 2 | 2 | 2 | 3 | 2 | 3 | 0 | 6 |
| General & administrative | 87 | 83 | 87 | 88 | 90 | 96 | 91 | 91 | 97 | 85 | 112 | 112 |
| Other expenses | 32 | 34 | 34 | 33 | 34 | 50 | 35 | 35 | 35 | 61 | 57 | 0 |
| Operating income | 78 | 71 | 62 | 75 | 65 | 67 | 64 | 88 | 91 | 79 | 94 | 94 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 232 | 238 | 241 | 253 | 257 | 252 | 240 | 246 | 250 | 265 | 282 | 282 |
| Interest expense | 77 | 85 | 92 | 99 | 102 | 97 | 91 | 88 | 90 | 91 | 93 | 91 |
| Income before tax | 78 | 71 | 62 | 75 | 65 | 67 | 64 | 88 | 91 | 79 | 94 | 94 |
| Income tax expense | 15 | 15 | 11 | 14 | 12 | 2 | 12 | 18 | 19 | 17 | 19 | 18 |
| Net income from continuing operations | 63 | 57 | 51 | 61 | 52 | 65 | 51 | 70 | 72 | 62 | 74 | 76 |
| Net income | 63 | 57 | 51 | 61 | 52 | 65 | 51 | 70 | 72 | 62 | 74 | 76 |
| EPS, basic | $0.67 | $0.60 | $0.54 | $0.64 | $0.56 | $0.69 | $0.54 | $0.74 | $0.76 | $0.65 | $0.72 | $0.74 |
| EPS, diluted | $0.66 | $0.60 | $0.53 | $0.64 | $0.55 | $0.68 | $0.54 | $0.73 | $0.75 | $0.64 | $0.71 | $0.73 |
| Weighted average shares, basic | 94 | 94 | 94 | 94 | 94 | 94 | 95 | 95 | 95 | 95 | 104 | 104 |
| Weighted average shares, diluted | 95 | 95 | 95 | 95 | 95 | 95 | 96 | 96 | 96 | 96 | 105 | 105 |
| EBITDA | 86 | 87 | 69 | 83 | 73 | 82 | 71 | 95 | 98 | 97 | 107 | 108 |
| Depreciation & amortization | 8 | 15 | 7 | 8 | 8 | 16 | 7 | 7 | 7 | 18 | 13 | 13 |
| EBIT | 78 | 71 | 62 | 75 | 65 | 67 | 64 | 88 | 91 | 79 | 94 | 94 |