OakChart

First Financial Bancorp

FFBCFinancial·Banks - Regional·USA·Mid·NASD·Nov 11 • 12:27 PM ET

32.67-0.22 (-0.65%)
2026-11-11 18:27 CET
Market cap
3,459.53 USD m
Revenue, TTM
- USD m
Net income, TTM
294.48 USD m
Free cash flow, TTM
778.13 USD m
EPS diluted, TTM
2.85
P/E
11.45
Compare

Price

FFBC against its 20, 50 and 200-day averages
2050200miss
27.5030.0032.5035.001.7M3.4MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26FFBCclose 32.6820-day 32.4350-day 32.07200-day 31.2232.6852w high

9.8% under the 52-week high of 36.25 on 16 Jul 2026. 52-week low 23.16 on 17 Nov 2025. Last 15 sessions, 8.6% high to low

Profile

FFBC
52-week range, 73% of the way up
23.1636.24

First Financial Bancorp is a bank holding company, which engages in the provision of commercial banking, financial, and other related activities. It operates through the following business lines: Commercial, Retail Banking, Mortgage Banking, Wealth Management, Investment Commercial Real Estate, and Commercial Finance. The company was founded in 1982 and is headquartered in Cincinnati, OH.

IndexRUT
Employees2199
IPODec 21, 1983
Beta0.96
ATR, 14d0.70
Rel volume0.30
Short float6.77%
Insider own1.38%
Inst own86.26%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap3.44B
Enterprise Value-
Income294.48M
Sales1.42B
Book/sh27.39
Cash/sh-
Dividend Est.1.02 (3.12%)
Dividend TTM1.01 (3.09%)
Dividend Ex-DateDec 01, 2026
Dividend Gr. 3/5Y2.13% 1.27%
Payout36.87%
Employees2199
IPODec 21, 1983

Ratios

P/E11.45
Forward P/E9.49
PEG0.76
P/S2.43
P/B1.19
P/C-
P/FCF4.42
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.10
Debt/Eq0.37
LT Debt/Eq0.14
Option/ShortYes / Yes

Earnings

EPS (ttm)2.85
EPS next Y3.44
EPS next Q0.81
EPS this Y13.69%
EPS next Y13.84%
EPS next 5Y12.45%
EPS past 3/5Y4.93% 10.85%
Sales past 3/5Y17.55% 12.30%
EPS Y/Y TTM5.69%
Sales Y/Y TTM13.23%
EPS Q/Q2.94%
Sales Q/Q13.34%
EarningsOct 27 AMC
EPS/Sales Surpr.-5.60% 1.09%

Ownership

Insider Own1.38%
Insider Trans-2.59%
Inst Own86.26%
Inst Trans0.50%
ROA1.44%
ROE10.68%
ROIC8.93%
Gross Margin-
Oper. Margin25.87%
Profit Margin20.79%
SMA200.76%
SMA501.87%
SMA2004.66%
Trades-

Technical

Shs Outstand105.19M
Shs Float103.74M
Short Float6.77%
Short Ratio8.34
Short Interest7.02M
52W High36.24 -9.85%
52W Low23.16 41.11%
Volatility2.68% 2.15%
ATR (14)0.70
RSI (14)53.36
Beta0.96
Rel Volume0.30
Avg Volume841.95K
Volume121,681

Performance

Perf Week-2.14%
Perf Month5.54%
Perf Quarter-4.85%
Perf Half Y9.80%
Perf YTD30.60%
Perf Year35.30%
Perf 3Y69.83%
Perf 5Y27.44%
Perf 10Y33.64%
Recom2.00
Target Price38.00
Prev Close32.89
Price32.67
Change %-0.65%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Sep 25, 2026UpgradeTTruistHold → Buy$37+13.2%
Mar 27, 2026ResumedSStephensOverweight$33+1.0%
Jan 30, 2026ReiteratedHHovde GroupOutperform$32 → $34+4.1%
Oct 07, 2025UpgradeRRaymond JamesMkt Perform → Outperform$30-8.2%
Oct 06, 2025InitiatedHHovde GroupOutperform
Aug 19, 2025InitiatedHHovde GroupOutperform$31-5.1%
May 13, 2025InitiatedTTruistHold$27-17.4%
Dec 09, 2024UpgradeSStephensEqual-Weight → Overweight
Feb 23, 2024ResumedPPiper SandlerOverweight
Jul 10, 2023UpgradePPiper SandlerNeutral → Overweight$23 → $24-26.5%

Peers

Mkt cap
TickerCompanyMkt cap
WSBCWesbanco Inc3.73B
PRKPark National Corp3.20B
FRMEFirst Merchants Corp2.57B
PEBOPeoples Bancorp Inc (Marietta, OH)1.38B
SYBTStock Yards Bancorp Inc2.48B
ONBOld National Bancorp9.50B
BUSEFirst Busey Corp2.32B
FCFFirst Commonwealth Financial Corp2.04B
GABCGerman American Bancorp Inc1.87B
FITBFifth Third Bancorp48.98B

Insider trading

latest 14 of 27
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Brown Archie MPresident & CEOSep 03 '26Sale32.935,000164,650238,758Sep 03 04:57 PM
Brown Archie MOfficerSep 03 '26Proposed Sale32.925,000164,625Sep 03 04:11 PM
OBRIEN THOMAS MURRAYDirectorAug 26 '26Sale32.7716,088527,20430,392Aug 28 11:53 AM
Crawley Scott TController & Prin Actg OfficerAug 03 '26Sale34.162,70092,23222,711Aug 03 05:24 PM
Scott CrawleyOfficerAug 03 '26Proposed Sale34.162,70092,233Aug 03 05:06 PM
ANDERSON JAMES MChief Financial OfficerJul 31 '26Sale33.734,000134,920114,537Jul 31 04:54 PM
James AndersonOfficerJul 31 '26Proposed Sale33.774,000135,066Jul 31 04:02 PM
Brown Archie MPresident & CEOJun 08 '26Sale30.9310,000309,300243,758Jun 09 04:40 PM
Brown Archie MOfficerJun 08 '26Proposed Sale30.9210,000309,246Jun 08 04:30 PM
MORRIS DAWN CDirectorMay 29 '26Sale30.9074022,8669,548May 29 04:29 PM
Dawn MorrisDirectorMay 29 '26Proposed Sale30.9074022,862May 29 04:00 PM
DAVIS CLAUDE EChair of the BoardMay 01 '26Sale30.4526,123795,44530,410May 01 04:30 PM
DAVIS CLAUDE EBoard ChairMay 01 '26Proposed Sale30.0026,123783,690May 01 12:16 PM
ANDERSON JAMES MChief Financial OfficerApr 29 '26Sale30.004,263127,890118,537Apr 30 09:06 AM

Held by

AUM
TickerCompanyAUM
IJRiShares Core S&P Small-Cap ETFAUM: 106.27B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
AIRRFirst Trust RBA American Industrial Renaissance ETFAUM: 8.15B
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
SMIGBahl & Gaynor Small/Mid Cap Income Growth ETFAUM: 1.50B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B

News

latest 14 of 206
  • First Financial: Q3 Earnings Snapshot (Associated Press)
  • First Financial Announces Appointment of Tim Massa to Board of Directors (PR Newswire)
  • First Financial Bancorp Posts Record Earnings And Raises Margin Outlook, But Rate Hikes Hit Tangible Book And Loan Growth Cools (Earnings Whispers)
  • First Financial Bancorp Announces Record Third Quarter Financial Results and Quarterly Dividend (PR Newswire)
  • First Financial Bancorp to Announce Third Quarter 2026 Financial Results on Tuesday, October 27, 2026 (PR Newswire)
  • Loading…
  • Twilio downgraded, Synopsys upgraded: Wall Street's top analyst calls (The Fly)
  • First Financial Bank Announces Leadership Promotions Designed to Strengthen its Future (PR Newswire)
  • First Financial Bancorp (FFBC) Q2 2026 Earnings Call Highlights: Record Net Income and ... (GuruFocus.com)
  • Ohios First Financial expands Chicago footprint in $208M deal (Banking Dive)
  • Cincinnatis First Financial expands Chicago footprint in $208M deal (Banking Dive)
  • First Financial: Q2 Earnings Snapshot (Associated Press)
  • First Financial Bancorp Announces Second Quarter 2026 Financial Results, Quarterly Dividend Increase & Acquisition of Finward Bancorp (PR Newswire)
  • Finward Bancorp Acquisition (Business Wire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-270.7700.8160.770273.91270.977
2026Q22026-07-210.7300.7800.729264.17270.297
2026Q12026-04-230.7100.6130.712271.52257.897
2025Q42026-01-280.6400.5980.639238.76248.957
2025Q32025-10-230.7500.7340.751234.01229.727
2025Q22025-07-240.7300.6780.731226.3220.166
2025Q12025-04-240.5400.6280.537200.38215.035
2024Q42025-01-230.6800.6500.680224.25216.335
2024Q32024-10-240.5500.6620.549201.26214.285
2024Q22024-07-250.6400.5930.637214.81205.54
2024Q12024-04-250.5300.5920.533195.25201.16
2023Q42024-01-250.6000.6040.596200.76207.255
2023Q32023-10-240.6600.6720.663212.08209.95
2023Q22023-07-200.6900.6970.690212.49212.346
2023Q12023-04-200.7400.7050.741214.9204.266
2022Q42023-01-260.7300.6880.729213.93198.86

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.5601.5961.557359.69355.85
2018FY1.9301.9491.926552.62554.42
2019FY2.0002.0382.004615.63619.9
2020FY1.5901.5581.588645.63629.88
2021FY2.1402.2222.139623.62624.92
2022FY2.3002.2722.301708.78698.54
2023FY2.6902.7002.691840.19850.75
2024FY2.4002.3702.399835.58840.13
2025FY2.6602.6182.660899.48913.29
2026FY-3.024--1,086
2027FY-3.443--1,207
2028FY-3.782--1,252

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-29621277.22275280.7
2026Q4S2026-10-28511277.43275280.7
2026Q4S2026-10-27610276.38273.2282
2026Q4S2026-10-08610276.38273.2282
2026Q4S2026-10-07610276.55273.2282
2026Q4S2026-10-05611276.55273.2282
2026Q4S2026-09-23612276.55273.2282
2026Q4S2026-09-21603275.14273.2278.9
2026Q4S2026-07-27604274.74272.2278.9
2026Q4S2026-07-24603275.62273.2278.9
2026Q4S2026-07-23601277.23273.2280
2026Q4S2026-07-22601277.51273.2280.6
2026Q4S2026-07-08600278.98277280.6
2026Q4S2026-07-02640278.98277280.6

Estimate history

EPS, annual1.5571.9262.0041.5882.1392.3012.6912.3992.6582.8527
Period201720182019202020212022202320242025TTM
EPS, quarterly0.5490.680.5370.7310.7510.6390.7120.7290.773
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual408.573643.391738.951705.041654.021775.2861115.221225.6631259.3421416.09
Period201720182019202020212022202320242025TTM
Sales, quarterly302.82321.425291.502313.963323.779330.098364.324354.712366.958
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual62.06997.89498.49198.02294.14994.89195.14195.49598.522105.188
Period201720182019202020212022202320242025MRQ
Shares, quarterly95.48695.49595.7395.76195.75798.522104.933104.956105.188
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income1,117.971,001.901,002.10903.00585.01483.22524.96607.58540.38
Total Interest Expense367.73359.86390.08275.2365.8631.1068.45123.3291.15
Net Interest Income750.24642.05612.01627.77519.14452.12456.51484.25449.24
Loan Loss Provision35.7337.6747.6643.1111.71-18.1270.5630.6014.59
Net Interest Income After Loan Loss Provision714.50604.38564.35584.66507.43470.24385.95453.66434.65
Non-Interest Income298.12257.44223.57212.22190.28170.80180.08131.37103.01
Non-Interest Expense646.22540.55519.60478.28455.99393.01374.36342.17323.44
Operating Income366.41321.27268.32318.60241.72248.03191.67242.86214.22
Unusual Expense0.000.000.000.000.007.107.260.000.00
Net Income Before Taxes366.41321.27268.32318.60241.72240.93184.41242.86214.22
Income Taxes71.9365.6739.4962.7324.1135.7728.6044.7941.63
Consolidated Net Income294.48255.60228.83255.86217.61205.16155.81198.07172.59
Net Income From Continuing Operations294.48255.60228.83255.86217.61205.16155.81198.07172.59
Net Income294.48255.60228.83255.86217.61205.16155.81198.07172.59
EPS (Recurring)2.802.662.402.692.302.191.642.001.93
EPS (Basic, Before Extraordinaries)2.882.682.422.722.332.161.602.011.95
EPS (Diluted)2.852.662.402.692.302.141.592.001.93
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense12.3412.3212.4011.7710.577.035.605.823.73
Price To Earnings Ratio11.5311.5311.618.4111.6911.3911.0312.7012.20
Price To Sales Ratio2.321.912.092.032.963.572.443.403.30
Operating Margin25.8725.5121.8928.5731.1837.9227.1932.8733.30
Net Margin20.7920.3018.6722.9428.0731.3722.1026.8026.83
Shares Outstanding105.1998.5295.4995.1494.8994.1598.0298.4997.89
Market Capitalization3,459.533,459.532,566.752,259.142,297.962,285.621,718.262,528.292,322.38

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income289.30280.92282.42265.33250.25245.90240.42251.57
Total Interest Expense93.0490.5492.8191.3489.7787.6391.1297.17
Net Interest Income196.26190.38189.61174.00160.49158.27149.30154.40
Loan Loss Provision8.908.198.5410.109.069.808.709.43
Net Interest Income After Loan Loss Provision187.35182.19181.07163.90151.42148.47140.60144.97
Non-Interest Income77.6673.7981.9164.7773.5368.0651.0869.85
Non-Interest Expense165.74161.54169.41149.53134.27128.67128.08147.91
Operating Income99.2894.4493.5779.1390.6887.8663.6066.91
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes99.2894.4493.5779.1390.6887.8663.6066.91
Income Taxes18.0917.9819.1216.7418.7517.8612.312.03
Consolidated Net Income81.1876.4674.4462.3971.9270.0051.2964.89
Net Income From Continuing Operations81.1876.4674.4462.3971.9270.0051.2964.89
Net Income81.1876.4674.4462.3971.9270.0051.2964.89
EPS (Recurring)0.770.730.710.640.750.730.540.68
EPS (Basic, Before Extraordinaries)0.780.740.720.650.760.740.540.69
EPS (Diluted)0.770.730.710.640.750.730.540.68
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense3.733.232.932.453.182.224.462.60
Price To Earnings Ratio11.5311.9410.499.2710.1110.1010.4211.61
Price To Sales Ratio2.322.592.191.941.931.891.942.09
Operating Margin27.0526.6225.6823.9728.0127.9821.8220.82
Net Margin22.1221.5520.4318.9022.2122.2917.6020.19
Shares Outstanding105.19104.96104.9398.5295.7695.7695.7395.49
Market Capitalization3,459.533,549.752,915.862,465.212,417.792,322.562,383.682,566.75

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks178.55174.26213.06207.50220.03231.05200.69236.22150.65
Investments5,381.184,699.614,485.104,549.075,000.534,070.873,341.703,435.302,150.69
Net Loans13,237.5811,604.9910,791.7410,165.999,156.319,725.299,144.018,767.675,959.16
Investment in Unconsolidated Affiliates0.000.000.000.000.005.203.103.903.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.180.060.110.190.101.292.031.402.78
Net Property, Plant & Equipment418.76407.08347.95280.82266.90207.27273.11215.65125.04
Interest Receivables71.9467.4272.6263.7244.6350.9039.5941.8224.50
Other Intangible Assets1,841.171,616.841,622.321,736.021,640.651,681.251,507.391,284.70481.11
Total Assets21,129.3818,570.2617,532.9017,003.3216,329.1415,973.1314,511.6213,986.668,896.92
Total Deposits16,421.8414,329.1413,360.8012,701.1812,871.9512,232.0010,210.2310,140.396,895.05
Total Debt1,247.501,162.761,363.191,715.55773.591,014.511,794.831,611.43934.22
Long Term Debt561.50276.26410.64413.81441.51821.00367.39412.82119.64
Provision for Risks Charges20.2016.9018.4018.4013.4012.500.600.000.00
Other Liabilities670.62623.42522.54526.82411.26432.05258.26156.59136.99
Total Liabilities18,360.1616,132.2215,264.9314,961.9414,070.2013,691.0612,263.9211,908.417,966.26
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity2,769.222,438.042,267.972,041.372,258.942,282.072,247.702,078.25930.66
Total Shareholders Equity2,769.222,438.042,267.972,041.372,258.942,282.072,247.702,078.25930.66
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity2,769.222,438.042,267.972,041.372,258.942,282.072,247.702,078.25930.66
Total Liabilities & Stockholders Equity21,129.3818,570.2617,532.9017,003.3216,329.1415,973.1314,511.6213,986.668,896.92
Book Value Per Share28.1125.5323.8421.5123.9923.2822.8221.2314.99
Tangible Book Value Per Share15.9614.3412.5610.1412.4213.0612.5311.8211.62
Tier 1 Capital1,843.671,754.581,613.481,443.701,306.571,368.821,288.181,257.37755.84
Tier 2 Capital613.71303.29206.81319.27335.98375.98187.63186.78173.31
Full-Time Employees2,1992,0902,1652,1082,0102,1072,1232,1311,366
Price to Book Ratio1.201.051.061.151.020.751.111.121.79
Return on Assets1.291.271.481.311.271.021.391.511.12
Return on Equity9.829.7311.8710.129.046.889.1611.4710.78
Return on Invested Capital7.678.439.558.867.605.027.576.939.22
Current Ratio0.080.100.110.070.060.040.050.050.05

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations816.15377.44366.89350.72275.42271.90239.71277.18233.78
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-1.24-39.58-104.74127.68-74.58118.56-129.82-90.8527.62
Cash from Operating Activities814.91337.86262.16478.40200.85390.46109.89186.33261.40
Capital Expenditures-37.09-20.93-21.07-24.14-13.78-15.33-16.47-20.93-18.23
Net Assets From Acquisitions-187.19-187.19-96.89-3.540.00-109.020.00-51.66-41.20
Sale of Fixed Assets and Businesses12.620.000.000.000.000.000.000.1264.89
Purchase or Sale of Investments-981.48-370.36-124.56453.87313.75-837.75-510.45248.82-178.97
Purchase of Investments-2,785.53-1,869.04-1,029.58-113.04-682.48-2,430.76-1,610.86-846.86-897.53
Sale Or Maturity of Investments1,804.061,498.69905.02566.90996.231,593.021,100.411,095.68718.56
Other Uses-22.49-4.88-55.91-61.48-29.480.000.000.000.00
Other Sources24.161.624.884.656.860.000.000.000.00
Cash from Investing Activities-1,062.88-546.72-1,000.03-692.69-883.11-512.33-1,204.87-252.42-205.84
Cash Dividends Paid-104.27-94.65-89.54-87.16-86.61-87.32-89.69-89.10-79.66
Change in Capital Stock0.000.000.000.050.18-108.01-16.61-66.130.28
Repurchase of Common Pref Stock0.000.000.000.000.00-108.08-16.69-66.220.00
Sale of Common Pref Stock0.000.000.000.050.180.060.070.090.28
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net89.385.62-179.72-352.65926.93-333.77-790.12115.84128.07
Change in Long Term Debt121.16164.172.64-3.31-64.02-463.38359.46-159.6597.54
Issuance of Long Term Debt300.00300.002.640.000.000.001,040.970.00150.00
Reduction of Long Term Debt-178.84-135.830.00-3.31-64.02-463.38-681.51-159.65-52.46
Net Financing Active Other Cash Flow-0.170.000.000.000.000.000.000.000.00
Other Financing Activities Uses---0.000.000.00-0.00-
Cash from Financing Activities249.40213.16699.08219.85669.73110.851,125.3530.5730.01
Net Change in Cash1.444.29-38.805.56-12.53-11.0230.36-35.5385.57
Free Cash Flow778.13317.10241.08454.26187.07375.1393.42165.40243.17
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow4.8810.8116.926.1522.818.12460.8932.9613.00
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks176.10206.36170.64178.55174.66210.19
Investments6,029.696,274.566,873.905,381.184,705.394,684.34
Net Loans13,713.4313,545.0013,311.1213,237.5811,552.6411,627.67
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment466.83471.50448.44418.76412.92414.84
Interest Receivables81.0580.8279.6971.9467.4267.11
Other Intangible Assets1,846.891,861.261,895.781,841.171,641.371,629.90
Total Assets22,314.1522,439.6822,779.8121,129.3818,554.5118,634.26
Total Deposits17,697.7917,583.2317,918.7216,421.8414,433.4514,369.99
Total Debt1,070.261,054.051,059.831,247.50872.411,086.69
Long Term Debt415.80439.30431.71561.50275.15397.85
Provision for Risks Charges18.2018.3023.0020.2017.6017.10
Other Liabilities646.42796.61837.64670.62599.19602.32
Total Liabilities19,432.6719,452.1919,839.1918,360.1615,922.6516,076.10
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity2,881.482,987.492,940.622,769.222,631.862,558.16
Total Shareholders Equity2,881.482,987.492,940.622,769.222,631.862,558.16
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity2,881.482,987.492,940.622,769.222,631.862,558.16
Total Liabilities & Stockholders Equity22,314.1522,439.6822,779.8121,129.3818,554.5118,634.26
Book Value Per Share27.3928.4628.0228.1127.4826.71
Tangible Book Value Per Share15.8816.8716.3715.9616.4015.61
Tier 1 Capital2,139.112,075.29-1,843.671,874.191,821.32
Tier 2 Capital504.26515.88515.26613.71296.36294.86
Full-Time Employees---2,164--
Price to Book Ratio1.201.210.990.910.950.93
Return on Assets1.441.391.351.291.411.30
Return on Equity10.6810.2910.249.8210.169.77
Return on Invested Capital2.462.232.211.872.472.37
Current Ratio0.100.110.150.080.120.12

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations124.7995.93512.7582.69108.4575.28
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-12.35-64.5636.2039.47-18.65-5.92
Cash from Operating Activities112.4431.37548.95122.1589.8169.36
Capital Expenditures-5.17-10.30-13.49-8.13-4.03-4.95
Net Assets From Acquisitions0.000.000.00-187.190.000.00
Sale of Fixed Assets and Businesses0.00-0.1012.720.000.000.00
Purchase or Sale of Investments-92.52199.98-854.79-234.15-22.19-70.14
Purchase of Investments-255.10-352.86-1,342.36-835.22-448.39-223.64
Sale Or Maturity of Investments162.58552.84487.57601.08426.20153.50
Other Uses4.58-21.68-6.060.662.43-3.45
Other Sources3.981.5817.890.710.000.00
Cash from Investing Activities-254.25375.53-600.56-583.6047.73-83.05
Cash Dividends Paid-27.00-26.91-25.96-24.40-23.68-23.57
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.000.000.000.000.000.00
Repurchase of Common Pref Stock0.000.000.000.000.000.00
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net23.99-8.61-217.87291.87-212.84-116.20
Change in Long Term Debt-18.342.31-152.94290.13-123.30-1.11
Issuance of Long Term Debt0.000.000.00300.000.000.00
Reduction of Long Term Debt-18.342.31-152.94-9.87-123.30-1.11
Net Financing Active Other Cash Flow0.00-0.170.000.000.000.00
Other Financing Activities Uses0.00-0.170.00-0.000.00
Cash from Financing Activities111.55-371.1843.70465.34-173.0633.27
Net Change in Cash-30.2635.72-7.913.89-35.5319.58
Free Cash Flow107.4721.07535.46114.1285.7864.42
Price to Free Cash Flow4.885.424.1510.9813.6513.14

Revenue breakdown

National Commercial Banks2024: 835.58M 2025: 899.48M
United States2024: 835.58M 2025: 899.48M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-306.77%7.0M103.7M815.72K
2026-10-156.45%6.7M103.5M911.57K
2026-09-306.69%6.9M103.5M941.90K
2026-09-155.90%6.1M103.6M953.65K
2026-08-315.30%5.5M103.8M988.63K
2026-08-145.12%5.3M103.8M1.01M
2026-07-315.28%5.5M103.8M1.03M
2026-07-154.80%5.0M103.7M976.94K
2026-06-304.40%4.6M103.7M927.00K
2026-06-153.75%3.9M103.6M875.24K
2026-05-293.86%4.0M103.7M859.63K
2026-05-153.76%3.9M103.7M850.83K
2026-04-303.82%4.0M103.7M865.61K
2026-04-153.99%4.1M103.4M925.59K
2026-03-314.10%4.2M103.5M959.95K
2026-03-133.37%3.5M103.5M946.12K
2026-02-273.35%3.5M103.5M911.60K
2026-02-133.39%3.5M103.5M894.05K
2026-01-303.56%3.7M103.3M826.15K
2026-01-152.26%2.3M103.3M653.03K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call15.0015.6019.900.006.0430.000.000.988-0.0180.001
call17.5013.1017.400.005.0580.000.000.938-0.1040.006
call20.0010.7014.800.004.1660.000.000.925-0.0990.007
call22.509.2012.300.003.4720.000.000.909-0.0930.008
call25.005.709.806.622.8415.000.000.885-0.0860.010
call30.001.253.702.201.0638300.000.778-0.0660.015
call35.000.000.550.270.67256.000.000.299-0.0740.018
call40.000.002.600.041.2473.000.000.174-0.0910.013
put15.000.000.050.112.26399.000.00-0.011-0.0170.002
put17.500.002.600.003.0430.000.00-0.061-0.1040.006
put20.000.002.600.002.5030.000.00-0.074-0.1000.007
put22.500.002.650.002.0160.000.00-0.091-0.0940.008
put25.000.002.650.001.5730.000.00-0.114-0.0860.010
put30.000.000.500.101.09380.000.00-0.279-0.1070.017
put35.000.603.900.001.2150.000.00-0.699-0.0730.018
put40.005.209.300.002.1120.000.00-0.825-0.0890.013

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-038-KCurrent report2026-11-03SEC
2026-10-284Statement of changes in beneficial ownership of securities2026-10-27SEC
2026-10-283Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-288-KCurrent report2026-10-27SEC
2026-10-27425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-278-KCurrent report2026-10-27SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-09-28EFFECTEffectiveness filing by commission orderSEC
2026-09-28424B3SEC
2026-09-23S-4/ASEC
2026-09-233Initial statement of beneficial ownership of securities2026-09-14SEC
2026-09-233Initial statement of beneficial ownership of securities2026-09-14SEC
2026-09-224Statement of changes in beneficial ownership of securities2026-09-18SEC
2026-09-164/A2026-09-14SEC
2026-09-164/A2026-09-14SEC
2026-09-164/A2026-09-14SEC
2026-09-164/A2026-09-14SEC
2026-09-164/A2026-09-14SEC
2026-09-164/A2026-09-14SEC
2026-09-164/A2026-09-14SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-14SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-14SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-14SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-14SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-14SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-14SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-0900164.65K1
2026-0800619.44K2
2026-0700134.92K1
2026-0600309.30K1
2026-0500818.31K2
2026-0400127.89K1
2026-030092.68K1
2026-0200969.43K4
2026-010000
2025-1200308.20K1
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.14.56%
DIMENSIONAL FUND ADVISORS LP6.40%
VANGUARD PORTFOLIO MANAGEMENT LLC6.07%
STATE STREET CORP5.53%
NOMURA ASSET MANAGEMENT INTERNATIONAL INC.4.80%
VANGUARD CAPITAL MANAGEMENT LLC4.32%
FORT WASHINGTON INVESTMENT ADVISORS INC /OH/2.94%
GEODE CAPITAL MANAGEMENT, LLC2.77%
Bahl & Gaynor LLC2.00%
FULLER & THALER ASSET MANAGEMENT, INC.1.80%

Funds

Fund% owned
Performance Trust Total Return Bond Fund15.50%
iShares Core S&P Small-Cap ETF5.96%
Angel Oak Financial Strategies Income Term Trust4.14%
Strategic Income Opportunities Fund3.82%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.02%
Thompson Bond Fund2.86%
iShares Russell 2000 ETF2.51%
VANGUARD SMALL-CAP INDEX FUND2.18%
Performance Trust Multisector Bond Fund1.91%
Nomura Small Cap Value Fund1.81%

OakChart. FFBC. Cached 15 minutes.