First Financial Bancorp. (FFBC) Income Statement
FFBC 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsFFBC revenue and net income
Where FFBC's revenue goes
2025Each bar shows an amount and its share of revenue. FFBC kept 20.3% of revenue as net income.
FFBC profit margins
FFBC growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +2.7% | +17.6% | +12.0% | +13.8% |
| Gross profit | +9.4% | +7.3% | +8.4% | +10.7% |
| Operating income | +19.7% | +9.9% | +11.7% | +11.2% |
| Net income | +11.7% | +5.5% | +10.4% | +13.0% |
| EPS (diluted) | +17.2% | +7.5% | +12.0% | +8.7% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
FFBC quarterly EPS vs estimates
First Financial Bancorp. beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 27, 2026 (estimate $0.82).
FFBC income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.26B | $1.23B | $1.12B | $774.6M | $654.7M | $714.1M | $739.0M | $643.8M | $409.2M | $375.6M |
| Cost of revenue | $397.5M | $437.7M | $318.3M | $77.6M | $13.0M | $139.0M | $153.8M | $106.0M | $53.1M | $43.4M |
| Gross profit | $861.8M | $787.9M | $797.1M | $697.1M | $641.7M | $575.1M | $585.2M | $537.8M | $356.1M | $332.1M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $374.2M | $368.9M | $346.8M | $305.7M | $259.5M | $248.3M | $243.1M | $231.8M | $160.2M | $150.1M |
| Total operating expenses | $540.5M | $519.6M | $478.5M | $455.3M | $400.8M | $390.7M | $342.3M | $323.5M | $239.9M | $201.4M |
| Operating income | $321.3M | $268.3M | $318.6M | $241.7M | $240.9M | $184.4M | $242.9M | $214.2M | $116.2M | $130.7M |
| Interest income | $1.00B | $1.00B | $854.5M | $585.0M | $483.2M | $525.0M | $607.6M | $540.4M | $333.1M | $305.9M |
| Interest expense | $359.9M | $390.1M | $275.2M | $65.9M | $31.1M | $68.5M | $123.3M | $91.1M | $49.5M | $33.3M |
| Income before taxes | $321.3M | $268.3M | $318.6M | $241.7M | $240.9M | $184.4M | $242.9M | $214.2M | $116.2M | $130.7M |
| Income taxes | $65.7M | $39.5M | $62.7M | $24.1M | $35.8M | $28.6M | $44.8M | $41.6M | $19.4M | $42.2M |
| Net income | $255.6M | $228.8M | $255.9M | $217.6M | $205.2M | $155.8M | $198.1M | $172.6M | $96.8M | $88.5M |
| EBITDA | $361.1M | $306.7M | $356.4M | $280.5M | $280.5M | $225.6M | $271.0M | $238.4M | $128.8M | $143.8M |
| EPS (diluted) | $2.93 | $2.50 | $2.77 | $2.36 | $2.35 | $1.66 | $2.14 | $2.28 | $1.60 | $1.44 |
| Gross margin | 68.4% | 64.3% | 71.5% | 90.0% | 98.0% | 80.5% | 79.2% | 83.5% | 87.0% | 88.4% |
| Operating margin | 25.5% | 21.9% | 28.6% | 31.2% | 36.8% | 25.8% | 32.9% | 33.3% | 28.4% | 34.8% |
| Net margin | 20.3% | 18.7% | 22.9% | 28.1% | 31.3% | 21.8% | 26.8% | 26.8% | 23.7% | 23.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $314.2M | $364.3M | $330.1M | $323.8M | $314.0M | $291.5M | $321.4M | $302.8M | $314.2M | $287.2M | $285.4M | $288.7M |
| Cost of revenue | $101.3M | $101.3M | $101.4M | $98.8M | $97.4M | $99.8M | $106.6M | $112.2M | $115.9M | $103.1M | $94.9M | $88.3M |
| Gross profit | $212.8M | $263.0M | $228.7M | $224.9M | $216.5M | $191.7M | $214.8M | $190.6M | $198.4M | $184.1M | $190.5M | $200.4M |
| Sales, general & admin | $118.4M | $112.1M | $88.2M | $99.5M | $93.4M | $93.1M | $97.8M | $92.0M | $90.6M | $88.5M | $85.3M | $89.8M |
| Total operating expenses | $118.4M | $169.4M | $149.5M | $134.3M | $128.7M | $128.1M | $147.9M | $125.8M | $123.6M | $122.4M | $119.1M | $122.0M |
| Operating income | $94.4M | $93.6M | $79.1M | $90.7M | $87.9M | $63.6M | $66.9M | $64.9M | $74.8M | $61.7M | $71.4M | $78.4M |
| Interest income | $280.9M | $282.4M | $265.3M | $250.3M | $245.9M | $240.4M | $251.6M | $257.1M | $252.7M | $240.7M | $238.4M | $232.1M |
| Interest expense | $90.5M | $92.8M | $91.3M | $89.8M | $87.6M | $91.1M | $97.2M | $101.6M | $99.4M | $91.9M | $84.7M | $76.6M |
| Income before taxes | $94.4M | $93.6M | $79.1M | $90.7M | $87.9M | $63.6M | $66.9M | $64.9M | $74.8M | $61.7M | $71.4M | $78.4M |
| Income taxes | $18.0M | $19.1M | $16.7M | $18.8M | $17.9M | $12.3M | $2.0M | $12.4M | $14.0M | $11.0M | $14.7M | $15.3M |
| Net income | $76.5M | $74.4M | $62.4M | $71.9M | $70.0M | $51.3M | $64.9M | $52.5M | $60.8M | $50.7M | $56.7M | $63.1M |
| EBITDA | $106.7M | $107.0M | $96.9M | $98.1M | $95.2M | $70.9M | $82.5M | $72.5M | $82.6M | $69.1M | $86.5M | $86.0M |
| EPS (diluted) | $0.80 | $0.71 | $0.80 | $0.76 | $0.74 | $0.63 | $0.71 | $0.55 | $0.65 | $0.59 | $0.62 | $0.67 |
| Gross margin | 67.7% | 72.2% | 69.3% | 69.5% | 69.0% | 65.8% | 66.8% | 63.0% | 63.1% | 64.1% | 66.8% | 69.4% |
| Operating margin | 30.1% | 25.7% | 24.0% | 28.0% | 28.0% | 21.8% | 20.8% | 21.4% | 23.8% | 21.5% | 25.0% | 27.1% |
| Net margin | 24.3% | 20.4% | 18.9% | 22.2% | 22.3% | 17.6% | 20.2% | 17.3% | 19.4% | 17.6% | 19.9% | 21.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in FFBC's financial statements (latest annual report filed February 19, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
FFBC financial results
In fiscal year 2025 (ended December 31, 2025), First Financial Bancorp. reported revenue of $1.3 billion, up 2.7% from the year before. It had net income of $255.6 million (up 11.7%), a net profit margin of 20.3%. Diluted earnings per share came to $2.93. Over five years revenue grew at an average rate of 12.0% a year.
See the FFBC stock overview for the latest quote and news, or the FFBC chart for price history and technical indicators.
FFBC income statement FAQ
What is First Financial Bancorp.'s annual revenue?
First Financial Bancorp. reported total revenue of $1.3 billion for fiscal year 2025, which ended on December 31, 2025. That was up 2.7% from $1.2 billion the previous year.
Is First Financial Bancorp. profitable?
Yes. First Financial Bancorp. reported net income of $255.6 million in fiscal 2025, a net profit margin of 20.3%; its operating margin was 25.5%.
What is First Financial Bancorp.'s gross margin?
First Financial Bancorp.'s gross margin was 68.4% in fiscal 2025: for every $100 of revenue, First Financial Bancorp. kept $68 after the direct cost of its products and services.
How fast is First Financial Bancorp. growing?
Revenue grew 12.0% a year on average over the last five fiscal years, from $714.1 million to $1.3 billion.
What are First Financial Bancorp.'s earnings per share?
First Financial Bancorp. earned $2.93 per diluted share in fiscal 2025, compared with $2.50 a year earlier.
When will First Financial Bancorp. report its next earnings?
First Financial Bancorp. is expected to report results for the quarter ending September 30, 2026 on October 27, 2026 after the market closes.
When does First Financial Bancorp.'s fiscal year end?
First Financial Bancorp.'s fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 19, 2026.