See more : Divio Technologies AB (publ) (DIVIO-B.ST) Income Statement Analysis – Financial Results
Complete financial analysis of First Financial Bancorp. (FFBC) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of First Financial Bancorp., a leading company in the Banks – Regional industry within the Financial Services sector.
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First Financial Bancorp. (FFBC)
About First Financial Bancorp.
First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company accepts various deposit products, such as interest-bearing and noninterest-bearing accounts, time deposits, and cash management services for commercial customers. It also provides real estate loans secured by residential property, such as one to four family residential housing units or commercial property comprising owner-occupied and/or investor income producing real estate consisting of apartments, shopping centers, or office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment; consumer loans comprising new and used vehicle loans, second mortgages on residential real estate, and unsecured loans; and home equity lines of credit. In addition, the company offers commercial financing to the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees. Further, it provides a range of trust and wealth management services; and lease and equipment financing services. As of December 31, 2021, the company operated 139 full service banking centers, 29 of which are leased facilities. It operates 62 banking centers in Ohio, three banking centers in Illinois, 62 banking centers in Indiana, and 12 banking centers in Kentucky. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | 1988 | 1987 | 1986 | 1985 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 796.67M | 708.78M | 623.62M | 645.63M | 615.63M | 552.62M | 359.69M | 343.84M | 324.19M | 292.23M | 299.47M | 337.97M | 406.43M | 422.34M | 238.20M | 167.95M | 182.09M | 200.93M | 186.23M | 203.79M | 207.09M | 219.46M | 217.21M | 215.07M | 206.50M | 165.40M | 142.40M | 123.70M | 110.90M | 101.40M | 93.50M | 87.50M | 76.10M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cost of Revenue | -318.76M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 1.12B | 708.78M | 623.62M | 645.63M | 615.63M | 552.62M | 359.69M | 343.84M | 324.19M | 292.23M | 299.47M | 337.97M | 406.43M | 422.34M | 238.20M | 167.95M | 182.09M | 200.93M | 186.23M | 203.79M | 207.09M | 219.46M | 217.21M | 215.07M | 206.50M | 165.40M | 142.40M | 123.70M | 110.90M | 101.40M | 93.50M | 87.50M | 76.10M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit Ratio | 140.01% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 337.18M | 276.56M | 285.85M | 272.90M | 236.18M | 224.20M | 152.35M | 141.51M | 131.75M | 127.04M | 144.21M | 94.74M | 121.51M | 134.74M | 92.79M | 66.86M | 69.89M | 84.53M | 77.69M | 76.73M | 76.51M | 71.62M | 65.06M | 63.61M | 61.60M | 49.80M | 42.40M | 37.60M | 33.30M | 31.30M | 28.40M | 26.10M | 24.00M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Selling & Marketing | 9.65M | 8.74M | 7.98M | 6.41M | 6.91M | 7.60M | 3.20M | 3.97M | 3.72M | 3.60M | 4.27M | 5.55M | 5.79M | 5.36M | 3.49M | 2.55M | 2.44M | 3.49M | 2.46M | 2.72M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 387.42M | 285.31M | 293.83M | 279.31M | 243.09M | 231.80M | 155.55M | 145.48M | 135.47M | 130.64M | 148.48M | 100.29M | 127.30M | 140.09M | 96.28M | 69.41M | 72.33M | 88.02M | 80.15M | 79.45M | 76.51M | 71.62M | 65.06M | 63.61M | 61.60M | 49.80M | 42.40M | 37.60M | 33.30M | 31.30M | 28.40M | 26.10M | 24.00M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Expenses | 0.00 | -658.88M | -676.52M | -740.53M | -615.86M | -479.05M | -349.54M | -325.30M | -325.47M | -308.61M | -363.48M | -306.92M | -383.77M | -402.49M | -379.09M | -136.89M | -112.79M | -177.77M | -148.11M | -163.63M | -164.84M | -142.05M | -90.05M | -46.29M | -74.30M | -60.20M | -48.10M | -42.70M | -35.10M | -45.10M | -43.00M | -27.00M | -4.50M | 12.10M | 15.20M | 13.10M | 11.00M | 9.20M | 8.40M |
| Operating Expenses | 387.42M | -373.58M | -382.69M | -461.22M | -372.77M | -247.25M | -194.00M | -179.83M | -190.00M | -177.96M | -215.00M | -206.64M | -256.47M | -262.40M | -282.80M | -67.48M | -40.46M | -89.75M | -67.95M | -84.18M | -88.33M | -70.44M | -24.99M | 17.32M | -12.70M | -10.40M | -5.70M | -5.10M | -1.80M | -13.80M | -14.60M | -900.00K | 19.50M | 12.10M | 15.20M | 13.10M | 11.00M | 9.20M | 8.40M |
| Cost & Expenses | 387.42M | -373.58M | -382.69M | -461.22M | -372.77M | -247.25M | -194.00M | -179.83M | -190.00M | -177.96M | -215.00M | -206.64M | -256.47M | -262.40M | -282.80M | -67.48M | -40.46M | -89.75M | -67.95M | -84.18M | -88.33M | -70.44M | -24.99M | 17.32M | -12.70M | -10.40M | -5.70M | -5.10M | -1.80M | -13.80M | -14.60M | -900.00K | 19.50M | 12.10M | 15.20M | 13.10M | 11.00M | 9.20M | 8.40M |
| Interest Income | 903.00M | 585.01M | 483.22M | 524.96M | 607.58M | 540.38M | 333.07M | 305.95M | 269.76M | 247.86M | 245.21M | 280.93M | 308.82M | 343.50M | 233.23M | 183.31M | 206.44M | 205.53M | 200.70M | 202.98M | 208.29M | 241.01M | 289.75M | 315.53M | 282.40M | 219.50M | 192.20M | 171.30M | 153.90M | 133.50M | 123.30M | 128.40M | 136.30M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Expense | 275.23M | 65.86M | 31.10M | 68.45M | 123.32M | 91.15M | 49.53M | 33.28M | 23.26M | 19.23M | 16.89M | 27.59M | 44.92M | 67.99M | 57.25M | 67.10M | 87.94M | 80.45M | 67.73M | 59.23M | 63.41M | 78.25M | 126.78M | 145.42M | 117.20M | 88.40M | 76.80M | 69.70M | 63.60M | 49.60M | 47.60M | 59.00M | 74.90M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation & Amortization | 37.80M | 38.81M | 39.56M | 41.23M | 35.46M | 24.17M | 12.65M | 13.04M | 13.27M | 12.79M | 14.27M | 15.83M | 11.95M | 0.00 | 0.00 | 6.68M | 8.08M | 8.48M | 10.59M | 11.05M | 19.48M | 10.32M | 8.81M | 2.18M | 9.20M | 8.30M | 5.60M | 4.70M | 5.10M | 5.70M | 5.90M | 3.60M | 3.30M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA | 356.40M | 280.53M | 283.01M | 233.54M | 271.00M | 238.39M | 128.81M | 143.77M | 124.20M | 107.81M | 81.85M | 119.58M | 116.99M | 102.93M | 447.81M | 0.00 | 0.00 | 0.00 | 71.13M | 87.74M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 12.10M | 15.20M | 13.10M | 11.00M | 9.20M | 8.40M |
| EBITDA Ratio | 44.74% | 48.87% | 40.21% | 30.29% | 41.02% | 59.63% | 49.58% | 51.49% | 45.48% | 43.48% | 32.97% | 43.54% | 39.84% | 37.87% | 188.00% | 63.80% | 82.22% | 59.55% | 69.20% | 64.11% | 66.76% | 72.61% | 92.55% | 109.07% | 98.31% | 98.73% | 99.93% | 99.68% | 102.98% | 92.01% | 90.70% | 103.09% | 129.96% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Operating Income | 409.25M | 335.21M | 240.93M | 184.41M | 242.86M | 305.37M | 165.69M | 164.01M | 134.19M | 114.26M | 84.47M | 131.33M | 149.96M | 159.95M | 447.81M | 100.47M | 141.63M | 111.17M | 118.28M | 119.61M | 118.76M | 149.02M | 192.22M | 232.39M | 193.80M | 155.00M | 136.70M | 118.60M | 109.10M | 87.60M | 78.90M | 86.60M | 95.60M | 12.10M | 15.20M | 13.10M | 11.00M | 9.20M | 8.40M |
| Operating Income Ratio | 51.37% | 47.29% | 38.63% | 28.56% | 39.45% | 55.26% | 46.07% | 47.70% | 41.39% | 39.10% | 28.21% | 38.86% | 36.90% | 37.87% | 188.00% | 59.82% | 77.78% | 55.33% | 63.51% | 58.69% | 57.35% | 67.90% | 88.50% | 108.05% | 93.85% | 93.71% | 96.00% | 95.88% | 98.38% | 86.39% | 84.39% | 98.97% | 125.62% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Total Other Income/Expenses | -90.66M | -71.90M | -52.18M | -62.87M | -46.78M | -44.31M | -42.80M | -22.30M | -38.22M | -35.58M | -69.31M | -5.38M | -11.95M | -8.03M | 379.09M | 0.00 | -87.94M | -956.00K | -6.52M | -1.52M | -63.41M | -78.25M | -126.78M | -145.42M | -117.20M | -88.40M | -76.80M | -69.70M | -63.60M | -49.60M | -47.60M | -60.90M | -74.90M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Before Tax | 318.60M | 241.72M | 240.93M | 184.41M | 242.86M | 214.22M | 116.16M | 130.73M | 110.93M | 95.03M | 67.58M | 103.75M | 105.04M | 91.95M | 390.57M | 33.37M | 53.69M | 30.72M | 43.42M | 60.38M | 55.36M | 70.77M | 65.44M | 86.96M | 76.60M | 66.60M | 59.90M | 48.90M | 45.50M | 38.00M | 31.30M | 25.70M | 20.70M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Before Tax Ratio | 39.99% | 34.10% | 38.63% | 28.56% | 39.45% | 38.76% | 32.30% | 38.02% | 34.22% | 32.52% | 22.57% | 30.70% | 25.84% | 21.77% | 163.96% | 19.87% | 29.49% | 15.29% | 23.32% | 29.63% | 26.73% | 32.25% | 30.13% | 40.44% | 37.09% | 40.27% | 42.06% | 39.53% | 41.03% | 37.48% | 33.48% | 29.37% | 27.20% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Income Tax Expense | 62.73M | 24.11M | 35.77M | 28.60M | 44.79M | 41.63M | 19.38M | 42.21M | 35.87M | 30.03M | 19.23M | 36.44M | 38.30M | 32.70M | 144.02M | 10.40M | 18.01M | 9.45M | 12.61M | 19.26M | 17.45M | 22.54M | 22.13M | 28.74M | 26.30M | 22.50M | 19.60M | 15.00M | 13.70M | 9.80M | 7.00M | 6.20M | 4.10M | -12.10M | -15.20M | -13.10M | -11.00M | -9.20M | -8.40M |
| Net Income | 255.86M | 217.61M | 205.16M | 155.81M | 198.08M | 172.60M | 96.79M | 88.53M | 75.06M | 65.00M | 48.35M | 67.30M | 66.74M | 59.25M | 246.55M | 22.96M | 35.68M | 21.27M | 37.93M | 41.12M | 37.91M | 48.24M | 43.31M | 58.22M | 50.30M | 44.10M | 40.30M | 33.90M | 31.80M | 28.20M | 24.30M | 21.40M | 16.60M | 12.10M | 15.20M | 13.10M | 11.00M | 9.20M | 8.40M |
| Net Income Ratio | 32.12% | 30.70% | 32.90% | 24.13% | 32.17% | 31.23% | 26.91% | 25.75% | 23.15% | 22.24% | 16.15% | 19.91% | 16.42% | 14.03% | 103.50% | 13.67% | 19.60% | 10.59% | 20.37% | 20.18% | 18.30% | 21.98% | 19.94% | 27.07% | 24.36% | 26.66% | 28.30% | 27.41% | 28.67% | 27.81% | 25.99% | 24.46% | 21.81% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| EPS | 2.72 | 2.33 | 2.16 | 1.60 | 2.01 | 1.95 | 1.57 | 1.45 | 1.23 | 1.11 | 0.84 | 1.16 | 1.16 | 1.01 | 5.40 | 0.62 | 0.93 | 0.54 | 0.89 | 0.94 | 0.85 | 1.05 | 0.91 | 1.19 | 1.02 | 1.03 | 0.96 | 0.87 | 0.83 | 0.79 | 0.70 | 0.65 | 0.53 | 0.41 | 0.53 | 0.55 | 0.51 | 0.43 | 0.40 |
| EPS Diluted | 2.69 | 2.30 | 2.14 | 1.59 | 2.00 | 1.93 | 1.56 | 1.43 | 1.21 | 1.09 | 0.83 | 1.14 | 1.14 | 0.99 | 5.33 | 0.61 | 0.93 | 0.54 | 0.88 | 0.94 | 0.85 | 1.05 | 0.91 | 1.19 | 1.02 | 1.03 | 0.95 | 0.87 | 0.83 | 0.78 | 0.69 | 0.65 | 0.53 | 0.41 | 0.53 | 0.55 | 0.51 | 0.43 | 0.40 |
| Weighted Avg Shares Out | 93.94M | 93.53M | 95.03M | 97.36M | 98.31M | 88.58M | 61.53M | 61.21M | 61.06M | 58.66M | 57.27M | 57.88M | 57.69M | 56.97M | 45.03M | 37.11M | 38.46M | 39.54M | 43.08M | 43.74M | 44.37M | 45.88M | 47.43M | 48.78M | 49.19M | 49.33M | 42.04M | 39.13M | 38.40M | 35.69M | 34.49M | 33.06M | 31.32M | 29.51M | 28.68M | 23.82M | 21.57M | 21.40M | 21.00M |
| Weighted Avg Shares Out (Dil) | 95.10M | 94.59M | 95.90M | 98.09M | 98.85M | 89.61M | 62.17M | 61.99M | 61.85M | 59.39M | 58.07M | 58.87M | 58.69M | 57.99M | 45.56M | 37.48M | 38.46M | 39.56M | 43.17M | 43.88M | 44.42M | 46.00M | 47.48M | 48.86M | 49.34M | 49.53M | 49.14M | 39.13M | 38.40M | 36.12M | 34.97M | 33.06M | 31.32M | 29.51M | 28.68M | 23.82M | 21.57M | 21.40M | 21.00M |
First Financial Bancorp (FFBC) CEO Archie Brown on Q3 2021 Results - Earnings Call Transcript
First Financial Bancorp (FFBC) CEO Archie Brown on Q3 2021 Results - Earnings Call Transcript
First Financial Bancorp (FFBC) Q3 Earnings and Revenues Beat Estimates
First Financial (FFBC) delivered earnings and revenue surprises of 23.53% and 2.56%, respectively, for the quarter ended September 2021. Do the numbers hold clues to what lies ahead for the stock?
First Financial Bancorp: Q3 Earnings Insights
First Financial Bancorp (NASDAQ:FFBC) reported its Q3 earnings results on Thursday, October 21, 2021 at 04:15 PM. Here's what investors need to know about the announcement.
First Financial Bancorp to Announce Third Quarter 2021 Financial Results on Thursday, October 21, 2021
CINCINNATI, Oct. 7, 2021 /PRNewswire/ -- First Financial Bancorp (Nasdaq: FFBC) announced today that it expects to release third quarter 2021 financial results after the market close on Thursday, October 21, 2021. A teleconference and webcast to discuss these results will be...
First Financial Bancorp Declares Quarterly Cash Dividend
CINCINNATI, July 27, 2021 /PRNewswire/ -- On Tuesday, July 27, 2021, the board of directors of First Financial Bancorp (NASDAQ: FFBC) declared a quarterly cash dividend of $0.23 per common share. The dividend is payable on September 15, 2021 to shareholders...
First Financial Bancorp (FFBC) CEO Archie Brown on Q2 2021 Results - Earnings Call Transcript
First Financial Bancorp (FFBC) CEO Archie Brown on Q2 2021 Results - Earnings Call Transcript
First Financial Bancorp (FFBC) Q2 Earnings and Revenues Top Estimates
First Financial (FFBC) delivered earnings and revenue surprises of 13.73% and 3.92%, respectively, for the quarter ended June 2021. Do the numbers hold clues to what lies ahead for the stock?
Recap: First Financial Bancorp Q2 Earnings
Shares of First Financial Bancorp (NASDAQ:FFBC) were flat in after-market trading after the company reported Q2 results. Quarterly Results Earnings per share increased 45.00% year over year to $0.58, which beat the estimate of $0.52.
First Financial Bancorp Announces Second Quarter 2021 Financial Results
CINCINNATI, July 22, 2021 /PRNewswire/ -- Earnings per diluted share of $0.52; $0.58 on an adjusted (1) basis Return on average assets of 1.26%; 1.39% as adjusted(1) Net interest margin FTE(1) of 3.31% Provision recapture of $4.2 million Repurchased 1,308,945...
First Financial Bancorp to Announce Second Quarter 2021 Financial Results on Thursday, July 22, 2021
CINCINNATI, July 8, 2021 /PRNewswire/ -- First Financial Bancorp (Nasdaq: FFBC) announced today that it expects to release second quarter 2021 financial results after the market close on Thursday, July 22, 2021. A teleconference and webcast to discuss these results will...
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