FFBC FY 2025 Earnings Report — First Financial Bancorp. Revenue & Financial Results | Market Cap Arena

First Financial Bancorp.FFBC

FY 2025 Earnings

Reported February 19, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$1.3B	—	$1.2B	—	2.7%
Op. Income	$321M	—	$268M	—	19.7%
Gross Margin	68.4%	—	64.3%	—	4.1pp
Net Margin	20.3%	—	18.7%	—	1.6pp
EPS (Diluted)	$2.66	—	$2.40	—	10.8%
Free Cash Flow	$317M	—	$241M	—	31.5%

Revenue Flow

Item	Amount
REVENUE	$1.3B
Cost of Revenue	$398M
GROSS PROFIT	$862M
R&D Expenses	$0
Selling & Marketing	$10M
General & Administrative	$364M
SG&A Expenses	$374M
Other Expenses	$166M
Operating Expenses	$541M
Cost & Expenses	$938M
OPERATING INCOME	$321M
Interest Income	$1.0B
Interest Expense	$360M
Other Income/Expenses	$0
INCOME BEFORE TAX	$321M
Income Tax Expense	$66M
Net Income from Continuing Ops	$256M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$256M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$256M
D&A	$22M
EBIT	$321M
EBITDA	$343M
EPS	$3
EPS Diluted	$3

Income Statement

Item	Amount
REVENUE	$1.3B
Cost of Revenue	$398M
GROSS PROFIT	$862M
R&D Expenses	$0
Selling & Marketing	$10M
General & Administrative	$364M
SG&A Expenses	$374M
Other Expenses	$166M
Operating Expenses	$541M
Cost & Expenses	$938M
OPERATING INCOME	$321M
Interest Income	$1.0B
Interest Expense	$360M
Other Income/Expenses	$0
INCOME BEFORE TAX	$321M
Income Tax Expense	$66M
Net Income from Continuing Ops	$256M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$256M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$256M
D&A	$22M
EBIT	$321M
EBITDA	$343M
EPS	$3
EPS Diluted	$3

Cash Flow Statement

Item	Amount
Net Income	$256M
Depreciation & Amortization	$40M
Stock-Based Compensation	$16M
Deferred Income Tax	$19M
Other Non-Cash Items	$48M
Change in Working Capital	-$40M
OPERATING CASH FLOW	$338M
Capital Expenditure	-$21M
Acquisitions (Net)	-$187M
Purchases of Investments	-$1.9B
Sales/Maturities of Investments	$1.5B
Other Investing Activities	$32M
NET CASH FROM INVESTING	-$547M
Net Debt Issuance	$10M
Common Stock Repurchased	$0
Common Dividends Paid	-$95M
Other Financing Activities	$298M
NET CASH FROM FINANCING	$213M
FREE CASH FLOW	$317M
Net Change in Cash	$4M

Balance Sheet

Item	Amount
Cash & Equivalents	$179M
Short-Term Investments	$4.0B
Net Receivables	$597M
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$4.7B
PP&E (Net)	$205M
Goodwill	$1.1B
Intangible Assets	$119M
Long-Term Investments	$13.4B
Tax Assets	$0
Other Non-Current Assets	$1.5B
TOTAL NON-CURRENT ASSETS	$16.4B
TOTAL ASSETS	$21.1B
Account Payables	$0
Short-Term Debt	$675M
Deferred Revenue	$0
Other Current Liabilities	$16.4B
TOTAL CURRENT LIABILITIES	$17.1B
Long-Term Debt	$514M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$749M
TOTAL NON-CURRENT LIABILITIES	$1.3B
TOTAL LIABILITIES	$18.4B
Common Stock	$1.6B
Additional Paid-In Capital	$0
Retained Earnings	$1.4B
Treasury Stock	-$126M
Accum. Other Comp. Income	-$190M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$2.8B
Minority Interest	$0
TOTAL EQUITY	$2.8B
TOTAL LIABILITIES & EQUITY	$21.1B
Total Debt	$1.2B
Net Debt	$1.0B