First Financial Bancorp. (FFBC)

First Financial Bancorp. Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	255.61	228.83	255.86	217.61	205.16
Depreciation & Amortization	31.83	30.32	30.03	31.18	32.14
Provision for Credit Losses	37.67	47.66	43.11	11.71	-18.12
Stock-Based Compensation	15.59	15.69	14.9	13.38	9.64
Net Change in Loans Held-for-Sale	-3.77	-3.97	-4.65	-8.5	-2.44
Other Adjustments	46.21	52.58	25.08	12.33	45.06
Changes in Accrued Interest and Accounts Receivable	2.54	4.96	-9.57	-19.13	6.46
Changes in Accounts Payable	-5.47	-8.04	40.31	6.65	-1.89
Changes in Other Operating Activities	-42.34	-105.87	91.91	-64.38	112.16
Operating Cash Flow	337.86	262.16	486.97	200.85	388.16
Operating Cash Flow Growth	28.88%	-46.17%	142.46%	-48.26%	258.20%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	132.89	62.73	-404.78	-173.37	-194.51
Net Change in Loans Held-for-Investment	-97.88	-769.22	-665.86	-987.09	644.28
Net Change in Securities and Investments	-370.52	-124.7	453.58	313.56	-839.02
Payments for Business Acquisitions	-187.19	-96.89	-3.54	0	-109.02
Capital Expenditures	-20.76	-21.08	-24.14	-13.78	-15.33
Other Investing Activities	-3.27	-50.89	-56.54	-22.42	3.58
Investing Cash Flow	-546.72	-1,000	-701.27	-883.11	-510.03
Net Change in Deposits	302.18	968.34	659.62	-170.78	639.95
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-158.55	-182.36	-349.34	990.95	129.61
Long-Term Debt Issued	168.51	2.64	-3.31	-64.02	-
Long-Term Debt Repaid	-	-	-	-	-463.38
Net Long-Term Debt Issued (Repaid)	168.51	2.64	-3.31	-64.02	-463.38
Issuance of Common Stock	0	0	0.05	0.18	0.06
Repurchase of Common Stock	-	-	-	-	-108.08
Net Common Stock Issued (Repurchased)	-	-	0.05	0.18	-108.01
Common Dividends Paid	-94.65	-89.54	-87.16	-86.61	-87.32
Other Financing Activities	-4.34	0	0	-	-
Financing Cash Flow	213.16	699.08	219.85	669.73	110.85
Net Cash Flow	4.3	-38.8	5.56	-12.53	-11.02
Free Cash Flow	317.1	241.08	462.83	187.07	372.82
Free Cash Flow Growth	31.53%	-47.91%	147.42%	-49.82%	305.70%
FCF Margin	38.48%	32.57%	61.39%	27.29%	56.50%
Free Cash Flow Per Share	3.30	2.53	4.87	1.98	3.89
Levered Free Cash Flow	389.92	131.77	381.09	94.13	-124.69
Unlevered Free Cash Flow	-34.2	-99.71	128.54	-59.46	133.53

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q