First Financial Bancorp.

FFBCNASDAQFinancial Services● Active

$30.82

$-0.03(-0.10%)

Market Cap$3.2B

P/E Ratio—

52W High$31.38

52W Low$22.93

Avg Volume866K

Open$30.99

Beta0.94

Overview

First Financial Bancorp. (FFBC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

FFBC · free cash flow · updated Jun 8, 2026

Core FCF metrics

FFBC · FCF · TTM · margin & CAGR

Free cash flow was $317.1M for FY2025 (fiscal year ending 2025-12-31), up 31.5% year-over-year The FCF margin was 25.2%. Five-year CAGR stands at +28.1%.

FY2025 Free Cash Flow$317.1M▲ +31.5% YoY

Trailing 12M (TTM)$812.9Mtrailing 4 quarters sum

FCF Margin25.2%$317.1M ÷ revenue

3-Year CAGR+19.2%FY2022 → FY2025

5-Year CAGR+28.1%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

FFBC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$337.9M(21M)$317.1M▲ +31.5%25.2%

FY2024$262.2M(21M)$241.1M▼ 47.9%19.7%

FY2023$487.0M(24M)$462.8M▲ +147.4%41.5%

FY2022$200.8M(14M)$187.1M▼ 49.8%24.1%

FY2021$388.2M(15M)$372.8M▲ +305.7%56.9%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

FFBC · P/FCF · FCF yield · FCF per share

First Financial Bancorp. (FFBC) trades at a FCF yield of 25.06% and a price-to-free-cash-flow ratio of 3.6x. FCF per share stands at $8.57, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

25.06%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$8.57

TTM FCF ÷ Shares Outstanding

Price / FCF

x3.6

Share Price ÷ FCF per Share

EV / FCF (TTM)

x4.9

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

FFBC · cash flow statement · operating / investing / financing

For FY2025, First Financial Bancorp. generated $337.9M in operating cash flow and spent 21M in capital expenditures, yielding $317.1M in free cash flow.

Operating Activities

+$337.9M

Cash from core business operations

2025-12-31

Investing Activities

−$546.7M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$213.2M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($337.9M) − |CapEx| (21M) = FCF ($317.1M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

FFBC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

First Financial Bancorp.YOU

FFBC

$317.1M+31.5%25.2%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

First Financial Bancorp. (FFBC) reported free cash flow of $317.1M for FY2025 (fiscal year ending 2025-12-31), up 31.5% year-over-year. The FCF margin was 25.2%.

Based on available data, First Financial Bancorp. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $462.8M in FY2023. The 5-year CAGR stands at +28.1%.

First Financial Bancorp.'s FCF yield is 25.06% and price-to-FCF ratio is 3.6x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

FFBC free cash flow · 8 questions

First Financial Bancorp. free cash flow was $317.1M for FY2025, up 31.5% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $812.9M.

FFBC free cash flowFFBC FCFFFBC FCF 2025FFBC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · First Financial Bancorp. · First Financial Bancorp. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026