First Financial Bancorp.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from First Financial Bancorp.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$20Sales grew 27% in 3 years; of every extra $100 of sales, $20 became extra profit.
Lower than 55% of Financial Services companies in United States.
Asset Productivity Ratio
+27% / +24%In 3 years sales changed by +27% while total assets changed by +24%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
94%Of every $100 the company owns, $94 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 76% of Financial Services companies in United States.
Tangible Net Worth Ratio
56%Of every $100 of net worth, $56 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 82% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
First Financial Bancorp. owes $0.87 for every $1 it owns. Net profit rose 12% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
11.5Investors pay $11.5 for every $1 of First Financial Bancorp.'s yearly profit, lower than 65% of Financial Services companies in United States.
P/B ratio
1.14The share price is 1.14 times First Financial Bancorp.'s book value per share, lower than 61% of Financial Services companies in United States.
Market cap
$3.4 BThe total market value of all of First Financial Bancorp.'s shares at today's price (share price × number of shares), larger than 75% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$3.0 BWhat First Financial Bancorp. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$28.41Net worth divided by the number of shares. The share price of $32.47 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
10.3%First Financial Bancorp. earned 10.3% on its shareholders' money over the last year, lower than 52% of Financial Services companies in United States.
Owes vs Owns
0.87×First Financial Bancorp. owes $0.87 for every $1 it owns (high), higher than 58% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.19%First Financial Bancorp. pays 3.19% of its share price as dividends a year, higher than 58% of dividend-paying Financial Services companies in United States.
Revenue growth
+8%Revenue rose 8% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Profit growth
+12%Net profit rose 12% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit margin
28.4%First Financial Bancorp. keeps $28 of every $100 of revenue as net profit.
Questions
What is First Financial Bancorp.'s P/E ratio?
Investors pay $11.5 for every $1 of First Financial Bancorp.'s yearly profit, lower than 65% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For First Financial Bancorp.: $3.4 B ÷ $3.0 B (30 Jun 2026) = 1.1.
What is First Financial Bancorp.'s return on equity?
First Financial Bancorp. earned 10.3% on its shareholders' money over the last year, lower than 52% of Financial Services companies in United States.
How much does First Financial Bancorp. owe compared with what it owns?
First Financial Bancorp. owes $0.87 for every $1 it owns (high), higher than 58% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does First Financial Bancorp. pay a dividend?
Yes. First Financial Bancorp. pays 3.19% of its share price as dividends a year, higher than 58% of dividend-paying Financial Services companies in United States.
Is First Financial Bancorp.'s revenue growing?
Revenue rose 8% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.