View ValuationFirst Financial Bancorp 将来の成長Future 基準チェック /26First Financial Bancorpは、12.9%と10.9%でそれぞれ年率12.9%で利益と収益が成長すると予測される一方、EPSはgrowで10.4%年率。主要情報12.9%収益成長率10.39%EPS成長率Banks 収益成長8.5%収益成長率10.9%将来の株主資本利益率n/aアナリストカバレッジGood最終更新日01 Jul 2026今後の成長に関する最新情報お知らせ • Jul 23First Financial Bancorp. Provides Earnings Guidance for the Third Quarter of 2023First Financial Bancorp. provided earnings guidance for the third quarter of 2023. For the quarter, the company expects fee income to be stable in the range between $53 million and $55 million, including the leasing business.すべての更新を表示Recent updatesお知らせ • Jul 01First Financial Bancorp. to Report Q2, 2026 Results on Jul 21, 2026First Financial Bancorp. announced that they will report Q2, 2026 results After-Market on Jul 21, 2026Recent Insider Transactions • Jun 10President recently sold €268k worth of stockOn the 8th of June, Archie Brown sold around 10k shares on-market at roughly €26.79 per share. This transaction amounted to 3.3% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €676k. Archie has been a net seller over the last 12 months, reducing personal holdings by €796k.Board Change • Jun 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 6 highly experienced directors. Independent Director Anne Arvia was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Declared Dividend • May 20First quarter dividend of US$0.25 announcedShareholders will receive a dividend of US$0.25. Ex-date: 1st June 2026 Payment date: 15th June 2026 Dividend yield will be 3.6%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 4.6% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 10% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Apr 29First Financial Bancorp. Declares Quarterly Cash Dividend, Payable on June 15, 2026On April 28, 2026, the board of directors of First Financial Bancorp. declared a quarterly cash dividend of $0.25 per common share. The dividend is payable on June 15, 2026 to shareholders of record as of June 1, 2026.お知らせ • Apr 17First Financial Bancorp., Annual General Meeting, May 26, 2026First Financial Bancorp., Annual General Meeting, May 26, 2026. Location: file:///y:/us/260416/virtualshareholdermeeting.com, United Statesお知らせ • Apr 02First Financial Bancorp. to Report Q1, 2026 Results on Apr 23, 2026First Financial Bancorp. announced that they will report Q1, 2026 results After-Market on Apr 23, 2026お知らせ • Jan 29First Financial Bancorp Declares Quarterly Cash Dividend, Payable on March 16, 2026First Financial Bancorp. Board of Directors approved a quarterly dividend of $0.25 per common share for the next regularly scheduled dividend, payable on March 16, 2026 to shareholders of record as of March 2, 2026.お知らせ • Jan 07First Financial Bancorp. to Report Q4, 2025 Results on Jan 28, 2026First Financial Bancorp. announced that they will report Q4, 2025 results After-Market on Jan 28, 2026お知らせ • Jan 02First Financial Bancorp. (NasdaqGS:FFBC) completed the acquisition of BankFinancial Corporation (NasdaqGS:BFIN).First Financial Bancorp. (NasdaqGS:FFBC) agreed to acquire BankFinancial Corporation (NasdaqGS:BFIN) for approximately $140 million on August 11, 2025. Upon the terms and subject to the conditions set forth in the Merger Agreement, at the effective time of the Merger, each share of common stock, of Seller, issued and outstanding immediately prior to the Effective Time, will be converted into the right to receive 0.480 of a share of common stock, no par value, of the Company. Based on the number of shares of BankFinancial common stock outstanding as of September 22, 2025, First Financial expects to issue approximately 5.98 million First Financial common shares to BankFinancial stockholders in the aggregate in the merger. First Financial shareholders will own approximately 94% and former BankFinancial stockholders will own approximately 6% of the common shares of First Financial following the completion of the merger. Under the merger agreement, BankFinancial will merge with and into First Financial, with First Financial as the surviving corporation in the merger (the “merger”). Immediately following the merger, BankFinancial, National Association (“BankFinancial NA”), a national banking association and a wholly-owned subsidiary of BankFinancial, will merge with and into First Financial Bank, an Ohio state-chartered bank and a wholly-owned subsidiary of First Financial, with First Financial Bank as the surviving bank (the “bank merger”). In case of termination of transaction, seller will pay a termination fee of $5 million. The transaction is subject to approval by regulatory board / committee, approval of merger agreement by target board, approval of offer by acquirer board, approval of offer by target shareholders, listing / approval of new shares on stock exchange and registration statement effectiveness(S-4 / F-4). The deal has been unanimously approved by the board. The Merger is expected to close in the fourth quarter of 2025. As of January 1, 2026 the transaction was approved by shareholders of BankFinancial. The transaction has received all the regulatory approvals. The expected completion of the transaction is on January 1, 2026. James J. Barresi of Squire Patton Boggs LLP acted as legal advisor for First Financial Bancorp. Edwin S. del Hierro P.C. of Kirkland & Ellis LLP acted as legal advisor for BankFinancial Corporation. Ned A. Quint and Max Seltzer of Luse Gorman, P.C acted as legal advisor for BankFinancial Corporation. Morgan Stanley & Co. LLC acted as financial advisor for First Financial Bancorp. Keefe, Bruyette & Woods, Inc. acted as financial advisor and fairness opinion provider for BankFinancial Corp. BankFinancial agreed to pay KBW a cash fee currently estimated to be approximately $1.8 million in the aggregate, $250,000 of which became payable to KBW with the rendering of KBW’s opinion and the balance of which is contingent upon the closing of the merger. MacKenzie Partners, Inc. acted as information agent to BankFinancial in the transaction and will receive a fee of $18,000 plus reasonable expenses for these services. Computershare Shareholder Services acted as transfer agent to First Financial. First Financial Bancorp. (NasdaqGS:FFBC) completed the acquisition of BankFinancial Corporation (NasdaqGS:BFIN) on January 1, 2026.お知らせ • Dec 15First Financial Bancorp. Secures Regulatory Approval For Acquisition Of BankFinancialFirst Financial Bancorp has secured regulatory approval from the Federal Reserve and the Ohio Department of Financial Institutions for its acquisition of BankFinancial Corporation. This approval is a crucial step in the acquisition process, which was initially announced in August 2025 as an all-stock transaction valued at approximately $142 million. The closing of the acquisition is anticipated to occur on or around January 1, 2026, pending customary closing conditions and approval by BankFinancial shareholders. This acquisition is expected to enhance First Financial's market presence and expand its financial services offerings.お知らせ • Oct 29First Financial Bancorp Declares Quarterly Cash Dividend, Payable on December 15, 2025On Tuesday, October 28, 2025, the board of directors of First Financial Bancorp. declared a quarterly cash dividend of $0.25 per common share. The dividend is payable on December 15, 2025 to shareholders of record as of December 1, 2025.お知らせ • Oct 24First Financial Bancorp. Reports Net Charge Offs for the Third Quarter Ended September 30, 2025First Financial Bancorp. reported net charge offs for the third quarter ended September 30, 2025. For the quarter, the company reported total net charge-offs of $5,218,000 against $7,284,000 a year ago.お知らせ • Oct 03First Financial Bancorp. to Report Q3, 2025 Results on Oct 23, 2025First Financial Bancorp. announced that they will report Q3, 2025 results at 4:00 PM, US Eastern Standard Time on Oct 23, 2025お知らせ • Aug 12First Financial Bancorp. (NasdaqGS:FFBC) agreed to acquire BankFinancial Corporation (NasdaqGS:BFIN) for approximately $140 million.First Financial Bancorp. (NasdaqGS:FFBC) agreed to acquire BankFinancial Corporation (NasdaqGS:BFIN) for approximately $140 million on August 11, 2025. Upon the terms and subject to the conditions set forth in the Merger Agreement, at the effective time of the Merger, each share of common stock, of Seller, issued and outstanding immediately prior to the Effective Time, will be converted into the right to receive 0.480 of a share of common stock, no par value, of the Company. In case of termination of transaction, seller will pay a termination fee of $5 million. The transaction is subject to approval by regulatory board / committee, approval of merger agreement by target board, approval of offer by acquirer board, approval of offer by target shareholders, listing / approval of new shares on stock exchange and registration statement effectiveness(S-4 / F-4). The deal has been unanimously approved by the board. The Merger is expected to close in the fourth quarter of 2025. James J. Barresi of Squire Patton Boggs LLP acted as legal advisor for First Financial Bancorp. Edwin S. del Hierro P.C. of Kirkland & Ellis LLP acted as legal advisor for BankFinancial Corporation. Ned A. Quint of Luse Gorman, P.C acted as legal advisor for BankFinancial Corporation. Morgan Stanley & Co. LLC acted as financial advisor for First Financial Bancorp. Keefe, Bruyette & Woods, Inc. acted as financial advisor for First Financial Bancorp.お知らせ • Jul 25First Financial Bancorp. Approves Dividend for Quarter ended June 30, 2025, Payable on September 15, 2025First Financial Bancorp. announced that its Board of Directors approved a quarterly for quarter ended June 30, 2025 of $0.25 per common share for the next regularly scheduled dividend, payable on September 15, 2025 to shareholders of record as of September 2, 2025.お知らせ • Jul 03First Financial Bancorp. to Report Q2, 2025 Results on Jul 24, 2025First Financial Bancorp. announced that they will report Q2, 2025 results After-Market on Jul 24, 2025お知らせ • Jun 24First Financial Bancorp. (NasdaqGS:FFBC) entered into a stock purchase agreement to acquire Westfield Bancorp from Ohio Farmers Insurance Company for approximately $330 million.First Financial Bancorp. (NasdaqGS:FFBC) entered into a stock purchase agreement to acquire Westfield Bancorp from Ohio Farmers Insurance Company for approximately $330 million on June 23, 2025. The transaction is valued at $325 million, which will be paid 80% in cash and 20% in stock of First Financial. Specifically, the transaction consideration will include $260 million in cash and approximately 2.75 million shares of First Financial stock. For the LTM ending March 31, 2025, Westfield Bancorp reported net income of $19.3 million. As of March 31, 2025, Westfield Bancorp reported total assets of $2.2 billion. The closing is subject to customary conditions, including, among others, (i) receipt of required regulatory approvals; (ii) the absence of any governmental order that restrains, prevents or materially alters the transactions contemplated by the Purchase Agreement; (iii) the accuracy of the parties’ representations and warranties contained in the Purchase Agreement (subject to certain qualifications); and (iv) the parties’ material compliance with the covenants and agreements in the Purchase Agreement. Additionally, at the closing of the Acquisition, the Seller shall deliver an executed copy of a registration rights agreement. Approval of Westfield Bancorp’s sole shareholder, Ohio Farmers, has been received. The transaction is expected to close in the fourth quarter of 2025 and is expected to be 12% accretive to First Financial’s earnings with a tangible book value earn-back of approximately 2.9 years. Janney Montgomery Scott LLC acted as financial advisor for First Financial Bancorp. Keefe, Bruyette & Woods, Inc. acted as financial advisor for Ohio Farmers Insurance Company. Amundsen Davis, LLC acted as legal advisor for First Financial Bancorp. Squire Patton Boggs LLP acted as legal advisor for Ohio Farmers Insurance Company.お知らせ • Apr 30First Financial Bancorp Declares Quarterly Cash Dividend, Payable on June 16, 2025On April 29, 2025, the board of directors of First Financial Bancorp. declared a quarterly cash dividend of $0.24 per common share. The dividend is payable on June 16, 2025 to shareholders of record as of June 2, 2025.お知らせ • Apr 04First Financial Bancorp. to Report Q1, 2025 Results on Apr 24, 2025First Financial Bancorp. announced that they will report Q1, 2025 results After-Market on Apr 24, 2025お知らせ • Feb 24First Financial Bancorp., Annual General Meeting, May 27, 2025First Financial Bancorp., Annual General Meeting, May 27, 2025.お知らせ • Jan 03First Financial Bancorp. to Report Q4, 2024 Results on Jan 23, 2025First Financial Bancorp. announced that they will report Q4, 2024 results After-Market on Jan 23, 2025Recent Insider Transactions • Nov 08Independent Director recently sold €298k worth of stockOn the 7th of November, Thomas O'Brien sold around 11k shares on-market at roughly €26.54 per share. This transaction amounted to 17% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €696k. Insiders have been net sellers, collectively disposing of €2.1m more than they bought in the last 12 months.Declared Dividend • Nov 04Third quarter dividend of US$0.24 announcedShareholders will receive a dividend of US$0.24. Ex-date: 2nd December 2024 Payment date: 16th December 2024 Dividend yield will be 3.8%, which is lower than the industry average of 4.8%. Sustainability & Growth Dividend is well covered by earnings (40% payout ratio) and is expected to be well covered in 3 years' time (39% forecast payout ratio). The dividend has increased by an average of 2.9% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 9.2% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.56 (vs US$0.67 in 3Q 2023)Third quarter 2024 results: EPS: US$0.56 (down from US$0.67 in 3Q 2023). Revenue: US$190.6m (down 4.8% from 3Q 2023). Net income: US$52.5m (down 17% from 3Q 2023). Profit margin: 28% (down from 32% in 3Q 2023). Revenue is forecast to grow 6.2% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 7% per year and the company’s share price has also increased by 7% per year.お知らせ • Oct 25+ 1 more updateFirst Financial Bancorp. Reports Net Charge Off for the Third Quarter Ended September 30, 2024First Financial Bancorp. reported net charge off for the third quarter ended September 30, 2024. For the quarter, the company reported total net charge-offs of $7,284,000 against $16,352,000 a year ago.お知らせ • Oct 04First Financial Bancorp. to Report Q3, 2024 Results on Oct 24, 2024First Financial Bancorp. announced that they will report Q3, 2024 results After-Market on Oct 24, 2024Recent Insider Transactions • Aug 30Key Executive recently sold €696k worth of stockOn the 29th of August, Claude Davis sold around 29k shares on-market at roughly €24.01 per share. This transaction amounted to 35% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Claude's only on-market trade for the last 12 months.Upcoming Dividend • Aug 23Upcoming dividend of US$0.24 per shareEligible shareholders must have bought the stock before 30 August 2024. Payment date: 16 September 2024. Payout ratio is a comfortable 37% and this is well supported by cash flows. Trailing yield: 3.8%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.5%).Declared Dividend • Aug 05Second quarter dividend of US$0.24 announcedShareholders will receive a dividend of US$0.24. Ex-date: 30th August 2024 Payment date: 16th September 2024 Dividend yield will be 3.6%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 1.5% over the next year, which should provide support to the dividend and adequate earnings cover.Recent Insider Transactions • Aug 02Insider recently sold €317k worth of stockOn the 30th of July, Richard Dennen sold around 13k shares on-market at roughly €25.39 per share. This transaction amounted to 13% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €1.1m more than they bought in the last 12 months.Reported Earnings • Jul 26Second quarter 2024 earnings released: EPS: US$0.64 (vs US$0.70 in 2Q 2023)Second quarter 2024 results: EPS: US$0.64 (down from US$0.70 in 2Q 2023). Revenue: US$198.4m (down 1.7% from 2Q 2023). Net income: US$60.8m (down 7.4% from 2Q 2023). Profit margin: 31% (down from 33% in 2Q 2023). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 5.3% p.a. on average during the next 2 years, compared to a 3.1% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 10% per year whereas the company’s share price has increased by 9% per year.お知らせ • Jul 26First Financial Bancorp Announces Quarterly Dividend Increase, Payable on September 16, 2024First Financial Bancorp. approved a quarterly dividend of $0.24per common share for the next regularly scheduled dividend, payable on September 16, 2024 to shareholders of record as of September 2, 2024.Valuation Update With 7 Day Price Move • Jul 18Investor sentiment improves as stock rises 17%After last week's 17% share price gain to €24.00, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 45% over the past three years.お知らせ • Jul 06First Financial Bancorp. to Report Q2, 2024 Results on Jul 25, 2024First Financial Bancorp. announced that they will report Q2, 2024 results After-Market on Jul 25, 2024お知らせ • May 29First Financial Bancorp Announces Board ChangesFirst Financial Bancorp announces the election of Anne Arvia as a new director on the First Financial Board of Directors, following a vote during the company's annual meeting of shareholders on May 28, 2024. Ms. Arvia, 61, is a principal of strategic transformation and program management for Cornerstone Advisors, a Scottsdale, Arizona-based management consulting firm specializing in advising financial institutions. She has held this role since 2023. Ms. Arvia, who lives in Naperville, Illinois, previously worked as executive vice president of The Auto Club Group and CEO and president of The Auto Club Trust, FSB, both of which are AAA companies, in Dearborn, Michigan. Ms. Arvia also held executive leadership roles at USAA Bank in San Antonio, Texas; Nationwide Insurance in Columbus, Ohio; and ShoreBank in Chicago, Illinois. She has been a CPA since 1985 with public accounting experience. Susan Knust and William Barron previously announced their retirements from the board effective at the conclusion of the annual meeting. Ms. Knust had served on the board of First Financial Bank since 1999, and on the board of First Financial Bancorp since 2005. Mr. Barron served on the First Financial Bancorp board since 2018, and the board of predecessor entities since 1983.Upcoming Dividend • May 27Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 03 June 2024. Payment date: 17 June 2024. Payout ratio is a comfortable 37% and this is well supported by cash flows. Trailing yield: 4.1%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (6.3%).Recent Insider Transactions • May 16Insider recently sold €228k worth of stockOn the 15th of May, Richard Dennen sold around 11k shares on-market at roughly €21.75 per share. This transaction amounted to 10% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €769k more than they bought in the last 12 months.Declared Dividend • May 06First quarter dividend of US$0.23 announcedShareholders will receive a dividend of US$0.23. Ex-date: 3rd June 2024 Payment date: 17th June 2024 Dividend yield will be 4.0%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. EPS is expected to decline by 1.9% over the next year. However, it would need to fall by 59% to increase the payout ratio to a potentially unsustainable range.お知らせ • Apr 27+ 1 more updateFirst Financial Bancorp. Declares Quarterly Dividend, Payable on June 17, 2024The board of directors of First Financial Bancorp. approved a quarterly dividend of $0.23 per common share for the next regularly scheduled dividend, payable on June 17, 2024 to shareholders of record as of June 3, 2024.Reported Earnings • Apr 26First quarter 2024 earnings released: EPS: US$0.54 (vs US$0.75 in 1Q 2023)First quarter 2024 results: EPS: US$0.54 (down from US$0.75 in 1Q 2023). Revenue: US$184.1m (down 9.9% from 1Q 2023). Net income: US$50.7m (down 28% from 1Q 2023). Profit margin: 28% (down from 34% in 1Q 2023). Revenue is forecast to grow 2.8% p.a. on average during the next 2 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.お知らせ • Apr 06First Financial Bancorp. to Report Q1, 2024 Results on Apr 25, 2024First Financial Bancorp. announced that they will report Q1, 2024 results After-Market on Apr 25, 2024お知らせ • Mar 22First Financial Bancorp., Annual General Meeting, May 28, 2024First Financial Bancorp., Annual General Meeting, May 28, 2024.Reported Earnings • Feb 25Full year 2023 earnings released: EPS: US$2.72 (vs US$2.33 in FY 2022)Full year 2023 results: EPS: US$2.72 (up from US$2.33 in FY 2022). Revenue: US$796.7m (up 18% from FY 2022). Net income: US$255.9m (up 18% from FY 2022). Profit margin: 32% (in line with FY 2022). Net interest margin (NIM): 4.40% (up from 3.77% in FY 2022). Non-performing loans: 0.60% (up from 0.38% in FY 2022). Revenue is forecast to grow 1.1% p.a. on average during the next 2 years, compared to a 1.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Feb 22Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 29 February 2024. Payment date: 15 March 2024. Trailing yield: 4.2%. Lower than top quartile of German dividend payers (5.2%). Lower than average of industry peers (6.6%).Declared Dividend • Feb 05Fourth quarter dividend of US$0.23 announcedShareholders will receive a dividend of US$0.23. Ex-date: 29th February 2024 Payment date: 15th March 2024 Dividend yield will be 4.2%, which is lower than the industry average of 4.8%. Sustainability & Growth Dividend is well covered by earnings (34% payout ratio) and is expected to be well covered in 3 years' time (41% forecast payout ratio). The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. EPS is expected to decline by 18% over the next 2 years. However, it would need to fall by 62% to increase the payout ratio to a potentially unsustainable range.Reported Earnings • Jan 27Full year 2023 earnings released: EPS: US$2.72 (vs US$2.33 in FY 2022)Full year 2023 results: EPS: US$2.72 (up from US$2.33 in FY 2022). Revenue: US$797.1m (up 18% from FY 2022). Net income: US$255.9m (up 18% from FY 2022). Profit margin: 32% (in line with FY 2022). Revenue is forecast to grow 2.1% p.a. on average during the next 2 years, compared to a 2.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has only increased by 12% per year, which means it is significantly lagging earnings growth.お知らせ • Jan 26First Financial Bancorp. Approves Quarterly Dividend, Payable on March 15, 2024First Financial Bancorp. board of directors approved a quarterly dividend of $0.23 per common share for the next regularly scheduled dividend, payable on March 15, 2024 to shareholders of record as of March 1, 2024.お知らせ • Jan 09First Financial Bancorp. to Report Q4, 2023 Results on Jan 25, 2024First Financial Bancorp. announced that they will report Q4, 2023 results After-Market on Jan 25, 2024Recent Insider Transactions • Dec 22Independent Director recently sold €310k worth of stockOn the 19th of December, William Barron sold around 14k shares on-market at roughly €21.81 per share. This transaction amounted to 1.7% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €1.1m more than they bought in the last 12 months.Upcoming Dividend • Nov 23Upcoming dividend of US$0.23 per share at 4.5% yieldEligible shareholders must have bought the stock before 30 November 2023. Payment date: 15 December 2023. Payout ratio is a comfortable 32% and this is well supported by cash flows. Trailing yield: 4.5%. Lower than top quartile of German dividend payers (5.0%). Lower than average of industry peers (6.4%).お知らせ • Oct 25+ 1 more updateFirst Financial Bancorp. Reports Unaudited Net Charge-Offs Results for the Third Quarter Ended September 30, 2023First Financial Bancorp. reported unaudited net charge-offs results for the third quarter ended September 30, 2023. For the quarter, the company reported total net charge-offs of $16,352,000 against $1,687,000 a year ago.Reported Earnings • Oct 25Third quarter 2023 earnings released: EPS: US$0.67 (vs US$0.59 in 3Q 2022)Third quarter 2023 results: EPS: US$0.67 (up from US$0.59 in 3Q 2022). Revenue: US$200.4m (up 29% from 3Q 2022). Net income: US$63.1m (up 13% from 3Q 2022). Profit margin: 32% (down from 36% in 3Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to stay flat during the next 2 years compared to a 3.6% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 18% per year whereas the company’s share price has increased by 15% per year.お知らせ • Oct 07First Financial Bancorp. to Report Q3, 2023 Results on Oct 24, 2023First Financial Bancorp. announced that they will report Q3, 2023 results After-Market on Oct 24, 2023Upcoming Dividend • Aug 24Upcoming dividend of US$0.23 per share at 4.4% yieldEligible shareholders must have bought the stock before 31 August 2023. Payment date: 15 September 2023. Payout ratio is a comfortable 33% and this is well supported by cash flows. Trailing yield: 4.4%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.1%).Recent Insider Transactions • Aug 22Insider recently sold €230k worth of stockOn the 18th of August, Richard Dennen sold around 12k shares on-market at roughly €19.80 per share. This transaction amounted to 11% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €2.0m more than they bought in the last 12 months.お知らせ • Jul 23First Financial Bancorp. Provides Earnings Guidance for the Third Quarter of 2023First Financial Bancorp. provided earnings guidance for the third quarter of 2023. For the quarter, the company expects fee income to be stable in the range between $53 million and $55 million, including the leasing business.Reported Earnings • Jul 21Second quarter 2023 earnings released: EPS: US$0.70 (vs US$0.55 in 2Q 2022)Second quarter 2023 results: EPS: US$0.70 (up from US$0.55 in 2Q 2022). Revenue: US$201.8m (up 20% from 2Q 2022). Net income: US$65.7m (up 28% from 2Q 2022). Profit margin: 33% (up from 31% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.6% p.a. on average during the next 2 years, compared to a 4.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 17% per year whereas the company’s share price has increased by 19% per year.お知らせ • Jul 12First Financial Bancorp. to Report Q2, 2023 Results on Jul 20, 2023First Financial Bancorp. announced that they will report Q2, 2023 results After-Market on Jul 20, 2023New Risk • Jun 09New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 5.6% per year for the foreseeable future. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (7.0% average weekly change).Valuation Update With 7 Day Price Move • Jun 08Investor sentiment improves as stock rises 18%After last week's 18% share price gain to €20.80, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 82% over the past three years.Upcoming Dividend • May 24Upcoming dividend of US$0.23 per share at 4.6% yieldEligible shareholders must have bought the stock before 31 May 2023. Payment date: 15 June 2023. Payout ratio is a comfortable 35% and this is well supported by cash flows. Trailing yield: 4.6%. Within top quartile of German dividend payers (4.6%). Lower than average of industry peers (6.1%).Reported Earnings • Apr 21First quarter 2023 earnings released: EPS: US$0.75 (vs US$0.44 in 1Q 2022)First quarter 2023 results: EPS: US$0.75 (up from US$0.44 in 1Q 2022). Revenue: US$204.4m (up 33% from 1Q 2022). Net income: US$70.4m (up 71% from 1Q 2022). Profit margin: 34% (up from 27% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.3% p.a. on average during the next 2 years, compared to a 5.7% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 14% per year and the company’s share price has also increased by 14% per year.Reported Earnings • Mar 01Full year 2022 earnings released: EPS: US$2.33 (vs US$2.16 in FY 2021)Full year 2022 results: EPS: US$2.33 (up from US$2.16 in FY 2021). Revenue: US$673.2m (up 7.0% from FY 2021). Net income: US$217.6m (up 6.1% from FY 2021). Profit margin: 32% (in line with FY 2021). Net interest margin (NIM): 3.77% (up from 3.31% in FY 2021). Non-performing loans: 0.38% (down from 0.65% in FY 2021). Revenue is forecast to grow 8.4% p.a. on average during the next 2 years, compared to a 6.6% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 8% per year.Upcoming Dividend • Feb 21Upcoming dividend of US$0.23 per share at 3.6% yieldEligible shareholders must have bought the stock before 28 February 2023. Payment date: 15 March 2023. Trailing yield: 3.6%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (5.3%).Recent Insider Transactions • Feb 15Non-Executive Chairman of the Board recently sold €596k worth of stockOn the 13th of February, Claude Davis sold around 25k shares on-market at roughly €23.84 per share. This transaction amounted to 25% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Claude has been a net seller over the last 12 months, reducing personal holdings by €1.2m.Reported Earnings • Jan 27Full year 2022 earnings released: EPS: US$2.33 (vs US$2.16 in FY 2021)Full year 2022 results: EPS: US$2.33 (up from US$2.16 in FY 2021). Revenue: US$697.1m (up 11% from FY 2021). Net income: US$217.6m (up 6.1% from FY 2021). Profit margin: 31% (down from 33% in FY 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 6.3% p.a. on average during the next 2 years, compared to a 5.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.お知らせ • Jan 27First Financial Bancorp. Approves Quarterly Dividend, Payable on March 15, 2023First Financial Bancorp. board of directors approved a quarterly dividend of $0.23 per common share for the next regularly scheduled dividend, payable on March 15, 2023 to shareholders of record as of March 1, 2023.お知らせ • Jan 12First Financial Bancorp. Announces Retirement of Corinne Finnerty as Director of the CompanyFirst Financial Bancorp. announced that Corinne Finnerty has notified the Company of her decision to retire as a director of the Company effective at the end of her current term. Accordingly, Mrs. Finnerty will not stand for re-election at the Company’s 2023 Annual Meeting of Shareholders to be held on May 23, 2023.お知らせ • Jan 10First Financial Bancorp. to Report Fiscal Year 2022 Results on Jan 26, 2023First Financial Bancorp. announced that they will report fiscal year 2022 results at 4:00 PM, US Eastern Standard Time on Jan 26, 2023Upcoming Dividend • Nov 23Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 30 November 2022. Payment date: 15 December 2022. Payout ratio is a comfortable 44% and this is well supported by cash flows. Trailing yield: 3.5%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.3%).Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 6 highly experienced directors. Independent Director Gary Warzala was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Recent Insider Transactions • Nov 03Insider recently sold €537k worth of stockOn the 1st of November, Richard Dennen sold around 20k shares on-market at roughly €26.55 per share. This transaction amounted to 18% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €1.6m more than they bought in the last 12 months.お知らせ • Oct 26First Financial Bancorp Declares Quarterly Cash Dividend, Payable on December 15, 2022On October 25, 2022, the board of directors of First Financial Bancorp. declared a quarterly cash dividend of $0.23 per common share. The dividend is payable on December 15, 2022 to shareholders of record as of December 1, 2022.Reported Earnings • Oct 22Third quarter 2022 earnings released: EPS: US$0.59 (vs US$0.64 in 3Q 2021)Third quarter 2022 results: EPS: US$0.59 (down from US$0.64 in 3Q 2021). Revenue: US$172.1m (up 7.1% from 3Q 2021). Net income: US$55.7m (down 7.2% from 3Q 2021). Profit margin: 32% (down from 37% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 8.2% p.a. on average during the next 3 years, compared to a 5.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 5% per year whereas the company’s share price has increased by 4% per year.お知らせ • Oct 21First Financial Bancorp Announces Net Charge-Offs for the Third Quarter Ended September 30, 2022First Financial Bancorp announced net charge-offs for the third quarter ended September 30, 2022. Total net charge-offs of $1,687,000 compared to $2,494,000 a year ago.お知らせ • Oct 07First Financial Bancorp. to Report Q3, 2022 Results on Oct 20, 2022First Financial Bancorp. announced that they will report Q3, 2022 results at 4:00 PM, US Eastern Standard Time on Oct 20, 2022Upcoming Dividend • Aug 24Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 31 August 2022. Payment date: 15 September 2022. Payout ratio is a comfortable 43% and this is well supported by cash flows. Trailing yield: 4.1%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (6.5%).お知らせ • Jul 27First Financial Bancorp Declares Quarterly Cash Dividend, Payable on September 15, 2022On July 26, 2022, the board of directors of First Financial Bancorp. declared a quarterly cash dividend of $0.23 per common share. The dividend is payable on September 15, 2022 to shareholders of record as of September 1, 2022.Reported Earnings • Jul 22Second quarter 2022 earnings released: EPS: US$0.55 (vs US$0.53 in 2Q 2021)Second quarter 2022 results: EPS: US$0.55 (up from US$0.53 in 2Q 2021). Revenue: US$167.8m (up 4.9% from 2Q 2021). Net income: US$51.5m (up 1.2% from 2Q 2021). Profit margin: 31% (down from 32% in 2Q 2021). The decrease in margin was driven by higher expenses. Over the next year, revenue is forecast to grow 8.4%, compared to a 14% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.お知らせ • Jul 08First Financial Bancorp. to Report Q2, 2022 Results on Jul 21, 2022First Financial Bancorp. announced that they will report Q2, 2022 results at 4:00 PM, US Eastern Standard Time on Jul 21, 2022お知らせ • May 26First Financial Bancorp Announces Appointment of Gary Warzala as Member of Board of DirectorFirst Financial Bancorp held its annual meeting of shareholders May 24, 2022, during which Gary Warzala was elected to a one-year term as a new member of the First Financial board of directors, effective immediately. Warzala is currently a security and risk management executive advisor with Gartner Inc. Before joining Gartner in 2019, he served as chief information security officer to Fifth Third Bank, PNC Bank, and Visa International. Warzala is a board member of the Economic Crime & Cybersecurity Institute of Utica College, and the INTERalliance of Cincinnati. He also serves as an industry advisory board member for the University of Cincinnati. John T. Neighbours, a member of First Financial Bancorp's board of directors since August 2015, previously announced his retirement from the board, effective as of today's meeting.Upcoming Dividend • May 24Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 31 May 2022. Payment date: 15 June 2022. Payout ratio is a comfortable 44% and this is well supported by cash flows. Trailing yield: 4.4%. Within top quartile of German dividend payers (4.2%). Lower than average of industry peers (6.4%).Recent Insider Transactions • May 21Independent Director recently sold €68k worth of stockOn the 16th of May, William Barron sold around 4k shares on-market at roughly €19.35 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €2.1m more than they bought in the last 12 months.Recent Insider Transactions • May 03President recently bought €97k worth of stockOn the 29th of April, Archie Brown bought around 5k shares on-market at roughly €19.50 per share. This was the largest purchase by an insider in the last 3 months. This was Archie's only on-market trade for the last 12 months.Board Change • Apr 27Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. 6 highly experienced directors. Independent Director William Barron was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Apr 27First Financial Bancorp Declares Quarterly Cash Dividend, Payable on June 15, 2022On April 26, 2022, the board of directors of First Financial Bancorp declared a quarterly cash dividend of $0.23 per common share. The dividend is payable on June 15, 2022 to shareholders of record as of June 1, 2022.Reported Earnings • Apr 23First quarter 2022 earnings released: EPS: US$0.44 (vs US$0.49 in 1Q 2021)First quarter 2022 results: EPS: US$0.44 (down from US$0.49 in 1Q 2021). Revenue: US$153.5m (up 2.2% from 1Q 2021). Net income: US$41.3m (down 13% from 1Q 2021). Profit margin: 27% (down from 32% in 1Q 2021). The decrease in margin was driven by higher expenses. Over the next year, revenue is forecast to grow 4.2%, compared to a 8.2% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 2% per year.お知らせ • Apr 09First Financial Bancorp. to Report Q1, 2022 Results on Apr 21, 2022First Financial Bancorp. announced that they will report Q1, 2022 results After-Market on Apr 21, 2022お知らせ • Apr 01First Financial Bancorp., Annual General Meeting, May 24, 2022First Financial Bancorp., Annual General Meeting, May 24, 2022.お知らせ • Mar 31First Financial Bancorp. Announces the Retirement of John Neighbours as DirectorJohn Neighbours has notified First Financial Bancorp of his decision to retire as a director of the Company effective at the end of his current term. Accordingly, Mr. Neighbours will not stand for re-election at the Company's 2022 Annual Meeting of Shareholders to be held on May 24, 2022.Upcoming Dividend • Feb 21Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 28 February 2022. Payment date: 15 March 2022. Payout ratio is a comfortable 43% and this is well supported by cash flows. Trailing yield: 3.6%. Within top quartile of German dividend payers (3.3%). Lower than average of industry peers (4.5%).Reported Earnings • Jan 29Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$2.16 (up from US$1.60 in FY 2020). Revenue: US$641.7m (up 12% from FY 2020). Net income: US$205.2m (up 32% from FY 2020). Profit margin: 32% (up from 27% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.31% (down from 3.51% in FY 2020). Non-performing loans: 0.65% (down from 0.89% in FY 2020). Revenue was in line with analyst estimates. Over the next year, revenue is expected to shrink by 1.9% compared to a 11% growth forecast for the banks industry in Germany. Over the last 3 years on average, earnings per share has remained flat whereas the company’s share price has fallen by 1% per year.お知らせ • Jan 28First Financial Bancorp. Approves Quarterly Dividend, Payable on March 15, 2022The board of directors of First Financial Bancorp. approved a quarterly dividend of $0.23 per common share for the next regularly scheduled dividend, payable on March 15, 2022 to shareholders of record as of March 1, 2022.お知らせ • Dec 08First Financial Bancorp. (NasdaqGS:FFBC) entered into a Stock Purchase Agreement to acquire Summit Funding Group, Inc. for approximately 120 million.First Financial Bancorp. (NasdaqGS:FFBC) entered into a Stock Purchase Agreement to acquire Summit Funding Group, Inc. for approximately $120 million on December 6, 2021. First Financial Bancorp. (NasdaqGS:FFBC) will issue 404,694 shares of Company common stock (the “Company Stock”) and make a cash payment equal to $111,500,000. In addition, pursuant to the Purchase Agreement, the Bank agreed to pay certain “earn-out” payments annually for each of the five years following the closing of the Acquisition. The earn-out consideration is payable in cash in an amount equal to 2.5% of principal value of the actual originations of equipment leases and similar financing products offered by Summit in excess of the Base Level of Originations in the applicable year. Upon completion of the transaction, Summit will continue to operate under the name Summit Funding Group as a subsidiary of First Financial Bancorp. The closing of the Acquisition is subject to customary conditions, including the absence of any governmental order that restrains, prevents or materially alters the transactions contemplated by the Purchase Agreement, the expiration or termination of the applicable waiting period under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, the accuracy of parties’ representations and warranties contained in the Purchase Agreement, parties’ material compliance with the covenants and agreements in the Purchase Agreement, the absence of a material adverse effect on Summit or the Bank, and entering into a registration rights agreement. The Company expects the Acquisition to close in the fourth quarter of 2021. The transaction is expected to be mid-single-digit accretive to First Financial’s earnings per share in the first-year post-integration (2023) and low-double-digit accretive on a run-rate basis thereafter. James J. Barresi of Squire Patton Boggs (US) LLP acted as legal advisor to First Financial Bancorp. David Zimmerman of Taft Stettinius & Hollister LLP acted as legal advisor to Summit Funding Group, Inc. Lazard acted as financial advisor to First Financial Bancorp. Keefe, Bruyette & Woods acted as financial advisor to Summit Funding Group, Inc.Upcoming Dividend • Nov 23Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 30 November 2021. Payment date: 15 December 2021. Trailing yield: 3.6%. Within top quartile of German dividend payers (3.1%). Higher than average of industry peers (3.0%).業績と収益の成長予測DB:FI5 - アナリストの将来予測と過去の財務データ ( )USD Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数12/31/20271,126354N/AN/A612/31/20261,094332N/AN/A63/31/2026917279800831N/A12/31/2025855256317338N/A9/30/2025816258270290N/A6/30/2025782239269288N/A3/31/2025764229269286N/A12/31/2024756229241262N/A9/30/2024762221284304N/A6/30/2024772231285308N/A3/31/2024775236320347N/A12/31/2023795256463487N/A9/30/2023804268375397N/A6/30/2023758261196214N/A3/31/2023724247214229N/A12/31/2022649218187201N/A9/30/2022634195265279N/A6/30/2022640200431448N/A3/31/2022632199369385N/A12/31/2021629205373388N/A9/30/2021634207423437N/A6/30/2021621188370382N/A3/31/2021596174370383N/A12/31/202057015692108N/A9/30/20205541561534N/A6/30/20205561663760N/A3/31/2020572181-322N/A12/31/2019582198N/A186N/A9/30/2019584204N/A195N/A6/30/2019584204N/A206N/A3/31/2019582188N/A247N/A12/31/2018538173N/A260N/A9/30/2018465142N/A205N/A6/30/2018407117N/A196N/A3/31/2018344103N/A144N/A12/31/201735697N/A124N/A9/30/201734695N/A154N/A6/30/201734093N/A134N/A3/31/201733893N/A160N/A12/31/201633289N/A143N/A9/30/201632885N/A108N/A6/30/201632581N/A82N/A3/31/201631877N/A87N/A12/31/201531275N/A92N/A9/30/201530874N/A74N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: FI5の予測収益成長率 (年間12.9% ) は 貯蓄率 ( 1.9% ) を上回っています。収益対市場: FI5の収益 ( 12.9% ) German市場 ( 17% ) よりも低い成長が予測されています。高成長収益: FI5の収益は増加すると予測されていますが、大幅には増加しません。収益対市場: FI5の収益 ( 10.9% ) German市場 ( 6.7% ) よりも速いペースで成長すると予測されています。高い収益成長: FI5の収益 ( 10.9% ) 20%よりも低い成長が予測されています。一株当たり利益成長率予想将来の株主資本利益率将来のROE: FI5の 自己資本利益率 が 3 年後に高くなると予測されるかどうかを判断するにはデータが不十分です成長企業の発掘7D1Y7D1Y7D1YBanks 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/02 15:26終値2026/07/02 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社の Github ページ でご覧いただけます。また、レポートの使い方に関する ガイド や YouTube の チュートリアル もご用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋First Financial Bancorp. 7 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。18 アナリスト機関Bryce RoweBairdJason GoldbergBarclaysKevin ReeveyD.A. Davidson & Co.15 その他のアナリストを表示
お知らせ • Jul 23First Financial Bancorp. Provides Earnings Guidance for the Third Quarter of 2023First Financial Bancorp. provided earnings guidance for the third quarter of 2023. For the quarter, the company expects fee income to be stable in the range between $53 million and $55 million, including the leasing business.
お知らせ • Jul 01First Financial Bancorp. to Report Q2, 2026 Results on Jul 21, 2026First Financial Bancorp. announced that they will report Q2, 2026 results After-Market on Jul 21, 2026
Recent Insider Transactions • Jun 10President recently sold €268k worth of stockOn the 8th of June, Archie Brown sold around 10k shares on-market at roughly €26.79 per share. This transaction amounted to 3.3% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €676k. Archie has been a net seller over the last 12 months, reducing personal holdings by €796k.
Board Change • Jun 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 6 highly experienced directors. Independent Director Anne Arvia was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Declared Dividend • May 20First quarter dividend of US$0.25 announcedShareholders will receive a dividend of US$0.25. Ex-date: 1st June 2026 Payment date: 15th June 2026 Dividend yield will be 3.6%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 4.6% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 10% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Apr 29First Financial Bancorp. Declares Quarterly Cash Dividend, Payable on June 15, 2026On April 28, 2026, the board of directors of First Financial Bancorp. declared a quarterly cash dividend of $0.25 per common share. The dividend is payable on June 15, 2026 to shareholders of record as of June 1, 2026.
お知らせ • Apr 17First Financial Bancorp., Annual General Meeting, May 26, 2026First Financial Bancorp., Annual General Meeting, May 26, 2026. Location: file:///y:/us/260416/virtualshareholdermeeting.com, United States
お知らせ • Apr 02First Financial Bancorp. to Report Q1, 2026 Results on Apr 23, 2026First Financial Bancorp. announced that they will report Q1, 2026 results After-Market on Apr 23, 2026
お知らせ • Jan 29First Financial Bancorp Declares Quarterly Cash Dividend, Payable on March 16, 2026First Financial Bancorp. Board of Directors approved a quarterly dividend of $0.25 per common share for the next regularly scheduled dividend, payable on March 16, 2026 to shareholders of record as of March 2, 2026.
お知らせ • Jan 07First Financial Bancorp. to Report Q4, 2025 Results on Jan 28, 2026First Financial Bancorp. announced that they will report Q4, 2025 results After-Market on Jan 28, 2026
お知らせ • Jan 02First Financial Bancorp. (NasdaqGS:FFBC) completed the acquisition of BankFinancial Corporation (NasdaqGS:BFIN).First Financial Bancorp. (NasdaqGS:FFBC) agreed to acquire BankFinancial Corporation (NasdaqGS:BFIN) for approximately $140 million on August 11, 2025. Upon the terms and subject to the conditions set forth in the Merger Agreement, at the effective time of the Merger, each share of common stock, of Seller, issued and outstanding immediately prior to the Effective Time, will be converted into the right to receive 0.480 of a share of common stock, no par value, of the Company. Based on the number of shares of BankFinancial common stock outstanding as of September 22, 2025, First Financial expects to issue approximately 5.98 million First Financial common shares to BankFinancial stockholders in the aggregate in the merger. First Financial shareholders will own approximately 94% and former BankFinancial stockholders will own approximately 6% of the common shares of First Financial following the completion of the merger. Under the merger agreement, BankFinancial will merge with and into First Financial, with First Financial as the surviving corporation in the merger (the “merger”). Immediately following the merger, BankFinancial, National Association (“BankFinancial NA”), a national banking association and a wholly-owned subsidiary of BankFinancial, will merge with and into First Financial Bank, an Ohio state-chartered bank and a wholly-owned subsidiary of First Financial, with First Financial Bank as the surviving bank (the “bank merger”). In case of termination of transaction, seller will pay a termination fee of $5 million. The transaction is subject to approval by regulatory board / committee, approval of merger agreement by target board, approval of offer by acquirer board, approval of offer by target shareholders, listing / approval of new shares on stock exchange and registration statement effectiveness(S-4 / F-4). The deal has been unanimously approved by the board. The Merger is expected to close in the fourth quarter of 2025. As of January 1, 2026 the transaction was approved by shareholders of BankFinancial. The transaction has received all the regulatory approvals. The expected completion of the transaction is on January 1, 2026. James J. Barresi of Squire Patton Boggs LLP acted as legal advisor for First Financial Bancorp. Edwin S. del Hierro P.C. of Kirkland & Ellis LLP acted as legal advisor for BankFinancial Corporation. Ned A. Quint and Max Seltzer of Luse Gorman, P.C acted as legal advisor for BankFinancial Corporation. Morgan Stanley & Co. LLC acted as financial advisor for First Financial Bancorp. Keefe, Bruyette & Woods, Inc. acted as financial advisor and fairness opinion provider for BankFinancial Corp. BankFinancial agreed to pay KBW a cash fee currently estimated to be approximately $1.8 million in the aggregate, $250,000 of which became payable to KBW with the rendering of KBW’s opinion and the balance of which is contingent upon the closing of the merger. MacKenzie Partners, Inc. acted as information agent to BankFinancial in the transaction and will receive a fee of $18,000 plus reasonable expenses for these services. Computershare Shareholder Services acted as transfer agent to First Financial. First Financial Bancorp. (NasdaqGS:FFBC) completed the acquisition of BankFinancial Corporation (NasdaqGS:BFIN) on January 1, 2026.
お知らせ • Dec 15First Financial Bancorp. Secures Regulatory Approval For Acquisition Of BankFinancialFirst Financial Bancorp has secured regulatory approval from the Federal Reserve and the Ohio Department of Financial Institutions for its acquisition of BankFinancial Corporation. This approval is a crucial step in the acquisition process, which was initially announced in August 2025 as an all-stock transaction valued at approximately $142 million. The closing of the acquisition is anticipated to occur on or around January 1, 2026, pending customary closing conditions and approval by BankFinancial shareholders. This acquisition is expected to enhance First Financial's market presence and expand its financial services offerings.
お知らせ • Oct 29First Financial Bancorp Declares Quarterly Cash Dividend, Payable on December 15, 2025On Tuesday, October 28, 2025, the board of directors of First Financial Bancorp. declared a quarterly cash dividend of $0.25 per common share. The dividend is payable on December 15, 2025 to shareholders of record as of December 1, 2025.
お知らせ • Oct 24First Financial Bancorp. Reports Net Charge Offs for the Third Quarter Ended September 30, 2025First Financial Bancorp. reported net charge offs for the third quarter ended September 30, 2025. For the quarter, the company reported total net charge-offs of $5,218,000 against $7,284,000 a year ago.
お知らせ • Oct 03First Financial Bancorp. to Report Q3, 2025 Results on Oct 23, 2025First Financial Bancorp. announced that they will report Q3, 2025 results at 4:00 PM, US Eastern Standard Time on Oct 23, 2025
お知らせ • Aug 12First Financial Bancorp. (NasdaqGS:FFBC) agreed to acquire BankFinancial Corporation (NasdaqGS:BFIN) for approximately $140 million.First Financial Bancorp. (NasdaqGS:FFBC) agreed to acquire BankFinancial Corporation (NasdaqGS:BFIN) for approximately $140 million on August 11, 2025. Upon the terms and subject to the conditions set forth in the Merger Agreement, at the effective time of the Merger, each share of common stock, of Seller, issued and outstanding immediately prior to the Effective Time, will be converted into the right to receive 0.480 of a share of common stock, no par value, of the Company. In case of termination of transaction, seller will pay a termination fee of $5 million. The transaction is subject to approval by regulatory board / committee, approval of merger agreement by target board, approval of offer by acquirer board, approval of offer by target shareholders, listing / approval of new shares on stock exchange and registration statement effectiveness(S-4 / F-4). The deal has been unanimously approved by the board. The Merger is expected to close in the fourth quarter of 2025. James J. Barresi of Squire Patton Boggs LLP acted as legal advisor for First Financial Bancorp. Edwin S. del Hierro P.C. of Kirkland & Ellis LLP acted as legal advisor for BankFinancial Corporation. Ned A. Quint of Luse Gorman, P.C acted as legal advisor for BankFinancial Corporation. Morgan Stanley & Co. LLC acted as financial advisor for First Financial Bancorp. Keefe, Bruyette & Woods, Inc. acted as financial advisor for First Financial Bancorp.
お知らせ • Jul 25First Financial Bancorp. Approves Dividend for Quarter ended June 30, 2025, Payable on September 15, 2025First Financial Bancorp. announced that its Board of Directors approved a quarterly for quarter ended June 30, 2025 of $0.25 per common share for the next regularly scheduled dividend, payable on September 15, 2025 to shareholders of record as of September 2, 2025.
お知らせ • Jul 03First Financial Bancorp. to Report Q2, 2025 Results on Jul 24, 2025First Financial Bancorp. announced that they will report Q2, 2025 results After-Market on Jul 24, 2025
お知らせ • Jun 24First Financial Bancorp. (NasdaqGS:FFBC) entered into a stock purchase agreement to acquire Westfield Bancorp from Ohio Farmers Insurance Company for approximately $330 million.First Financial Bancorp. (NasdaqGS:FFBC) entered into a stock purchase agreement to acquire Westfield Bancorp from Ohio Farmers Insurance Company for approximately $330 million on June 23, 2025. The transaction is valued at $325 million, which will be paid 80% in cash and 20% in stock of First Financial. Specifically, the transaction consideration will include $260 million in cash and approximately 2.75 million shares of First Financial stock. For the LTM ending March 31, 2025, Westfield Bancorp reported net income of $19.3 million. As of March 31, 2025, Westfield Bancorp reported total assets of $2.2 billion. The closing is subject to customary conditions, including, among others, (i) receipt of required regulatory approvals; (ii) the absence of any governmental order that restrains, prevents or materially alters the transactions contemplated by the Purchase Agreement; (iii) the accuracy of the parties’ representations and warranties contained in the Purchase Agreement (subject to certain qualifications); and (iv) the parties’ material compliance with the covenants and agreements in the Purchase Agreement. Additionally, at the closing of the Acquisition, the Seller shall deliver an executed copy of a registration rights agreement. Approval of Westfield Bancorp’s sole shareholder, Ohio Farmers, has been received. The transaction is expected to close in the fourth quarter of 2025 and is expected to be 12% accretive to First Financial’s earnings with a tangible book value earn-back of approximately 2.9 years. Janney Montgomery Scott LLC acted as financial advisor for First Financial Bancorp. Keefe, Bruyette & Woods, Inc. acted as financial advisor for Ohio Farmers Insurance Company. Amundsen Davis, LLC acted as legal advisor for First Financial Bancorp. Squire Patton Boggs LLP acted as legal advisor for Ohio Farmers Insurance Company.
お知らせ • Apr 30First Financial Bancorp Declares Quarterly Cash Dividend, Payable on June 16, 2025On April 29, 2025, the board of directors of First Financial Bancorp. declared a quarterly cash dividend of $0.24 per common share. The dividend is payable on June 16, 2025 to shareholders of record as of June 2, 2025.
お知らせ • Apr 04First Financial Bancorp. to Report Q1, 2025 Results on Apr 24, 2025First Financial Bancorp. announced that they will report Q1, 2025 results After-Market on Apr 24, 2025
お知らせ • Feb 24First Financial Bancorp., Annual General Meeting, May 27, 2025First Financial Bancorp., Annual General Meeting, May 27, 2025.
お知らせ • Jan 03First Financial Bancorp. to Report Q4, 2024 Results on Jan 23, 2025First Financial Bancorp. announced that they will report Q4, 2024 results After-Market on Jan 23, 2025
Recent Insider Transactions • Nov 08Independent Director recently sold €298k worth of stockOn the 7th of November, Thomas O'Brien sold around 11k shares on-market at roughly €26.54 per share. This transaction amounted to 17% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €696k. Insiders have been net sellers, collectively disposing of €2.1m more than they bought in the last 12 months.
Declared Dividend • Nov 04Third quarter dividend of US$0.24 announcedShareholders will receive a dividend of US$0.24. Ex-date: 2nd December 2024 Payment date: 16th December 2024 Dividend yield will be 3.8%, which is lower than the industry average of 4.8%. Sustainability & Growth Dividend is well covered by earnings (40% payout ratio) and is expected to be well covered in 3 years' time (39% forecast payout ratio). The dividend has increased by an average of 2.9% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 9.2% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.56 (vs US$0.67 in 3Q 2023)Third quarter 2024 results: EPS: US$0.56 (down from US$0.67 in 3Q 2023). Revenue: US$190.6m (down 4.8% from 3Q 2023). Net income: US$52.5m (down 17% from 3Q 2023). Profit margin: 28% (down from 32% in 3Q 2023). Revenue is forecast to grow 6.2% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 7% per year and the company’s share price has also increased by 7% per year.
お知らせ • Oct 25+ 1 more updateFirst Financial Bancorp. Reports Net Charge Off for the Third Quarter Ended September 30, 2024First Financial Bancorp. reported net charge off for the third quarter ended September 30, 2024. For the quarter, the company reported total net charge-offs of $7,284,000 against $16,352,000 a year ago.
お知らせ • Oct 04First Financial Bancorp. to Report Q3, 2024 Results on Oct 24, 2024First Financial Bancorp. announced that they will report Q3, 2024 results After-Market on Oct 24, 2024
Recent Insider Transactions • Aug 30Key Executive recently sold €696k worth of stockOn the 29th of August, Claude Davis sold around 29k shares on-market at roughly €24.01 per share. This transaction amounted to 35% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Claude's only on-market trade for the last 12 months.
Upcoming Dividend • Aug 23Upcoming dividend of US$0.24 per shareEligible shareholders must have bought the stock before 30 August 2024. Payment date: 16 September 2024. Payout ratio is a comfortable 37% and this is well supported by cash flows. Trailing yield: 3.8%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.5%).
Declared Dividend • Aug 05Second quarter dividend of US$0.24 announcedShareholders will receive a dividend of US$0.24. Ex-date: 30th August 2024 Payment date: 16th September 2024 Dividend yield will be 3.6%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 1.5% over the next year, which should provide support to the dividend and adequate earnings cover.
Recent Insider Transactions • Aug 02Insider recently sold €317k worth of stockOn the 30th of July, Richard Dennen sold around 13k shares on-market at roughly €25.39 per share. This transaction amounted to 13% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €1.1m more than they bought in the last 12 months.
Reported Earnings • Jul 26Second quarter 2024 earnings released: EPS: US$0.64 (vs US$0.70 in 2Q 2023)Second quarter 2024 results: EPS: US$0.64 (down from US$0.70 in 2Q 2023). Revenue: US$198.4m (down 1.7% from 2Q 2023). Net income: US$60.8m (down 7.4% from 2Q 2023). Profit margin: 31% (down from 33% in 2Q 2023). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 5.3% p.a. on average during the next 2 years, compared to a 3.1% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 10% per year whereas the company’s share price has increased by 9% per year.
お知らせ • Jul 26First Financial Bancorp Announces Quarterly Dividend Increase, Payable on September 16, 2024First Financial Bancorp. approved a quarterly dividend of $0.24per common share for the next regularly scheduled dividend, payable on September 16, 2024 to shareholders of record as of September 2, 2024.
Valuation Update With 7 Day Price Move • Jul 18Investor sentiment improves as stock rises 17%After last week's 17% share price gain to €24.00, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 45% over the past three years.
お知らせ • Jul 06First Financial Bancorp. to Report Q2, 2024 Results on Jul 25, 2024First Financial Bancorp. announced that they will report Q2, 2024 results After-Market on Jul 25, 2024
お知らせ • May 29First Financial Bancorp Announces Board ChangesFirst Financial Bancorp announces the election of Anne Arvia as a new director on the First Financial Board of Directors, following a vote during the company's annual meeting of shareholders on May 28, 2024. Ms. Arvia, 61, is a principal of strategic transformation and program management for Cornerstone Advisors, a Scottsdale, Arizona-based management consulting firm specializing in advising financial institutions. She has held this role since 2023. Ms. Arvia, who lives in Naperville, Illinois, previously worked as executive vice president of The Auto Club Group and CEO and president of The Auto Club Trust, FSB, both of which are AAA companies, in Dearborn, Michigan. Ms. Arvia also held executive leadership roles at USAA Bank in San Antonio, Texas; Nationwide Insurance in Columbus, Ohio; and ShoreBank in Chicago, Illinois. She has been a CPA since 1985 with public accounting experience. Susan Knust and William Barron previously announced their retirements from the board effective at the conclusion of the annual meeting. Ms. Knust had served on the board of First Financial Bank since 1999, and on the board of First Financial Bancorp since 2005. Mr. Barron served on the First Financial Bancorp board since 2018, and the board of predecessor entities since 1983.
Upcoming Dividend • May 27Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 03 June 2024. Payment date: 17 June 2024. Payout ratio is a comfortable 37% and this is well supported by cash flows. Trailing yield: 4.1%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (6.3%).
Recent Insider Transactions • May 16Insider recently sold €228k worth of stockOn the 15th of May, Richard Dennen sold around 11k shares on-market at roughly €21.75 per share. This transaction amounted to 10% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €769k more than they bought in the last 12 months.
Declared Dividend • May 06First quarter dividend of US$0.23 announcedShareholders will receive a dividend of US$0.23. Ex-date: 3rd June 2024 Payment date: 17th June 2024 Dividend yield will be 4.0%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. EPS is expected to decline by 1.9% over the next year. However, it would need to fall by 59% to increase the payout ratio to a potentially unsustainable range.
お知らせ • Apr 27+ 1 more updateFirst Financial Bancorp. Declares Quarterly Dividend, Payable on June 17, 2024The board of directors of First Financial Bancorp. approved a quarterly dividend of $0.23 per common share for the next regularly scheduled dividend, payable on June 17, 2024 to shareholders of record as of June 3, 2024.
Reported Earnings • Apr 26First quarter 2024 earnings released: EPS: US$0.54 (vs US$0.75 in 1Q 2023)First quarter 2024 results: EPS: US$0.54 (down from US$0.75 in 1Q 2023). Revenue: US$184.1m (down 9.9% from 1Q 2023). Net income: US$50.7m (down 28% from 1Q 2023). Profit margin: 28% (down from 34% in 1Q 2023). Revenue is forecast to grow 2.8% p.a. on average during the next 2 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.
お知らせ • Apr 06First Financial Bancorp. to Report Q1, 2024 Results on Apr 25, 2024First Financial Bancorp. announced that they will report Q1, 2024 results After-Market on Apr 25, 2024
お知らせ • Mar 22First Financial Bancorp., Annual General Meeting, May 28, 2024First Financial Bancorp., Annual General Meeting, May 28, 2024.
Reported Earnings • Feb 25Full year 2023 earnings released: EPS: US$2.72 (vs US$2.33 in FY 2022)Full year 2023 results: EPS: US$2.72 (up from US$2.33 in FY 2022). Revenue: US$796.7m (up 18% from FY 2022). Net income: US$255.9m (up 18% from FY 2022). Profit margin: 32% (in line with FY 2022). Net interest margin (NIM): 4.40% (up from 3.77% in FY 2022). Non-performing loans: 0.60% (up from 0.38% in FY 2022). Revenue is forecast to grow 1.1% p.a. on average during the next 2 years, compared to a 1.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Feb 22Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 29 February 2024. Payment date: 15 March 2024. Trailing yield: 4.2%. Lower than top quartile of German dividend payers (5.2%). Lower than average of industry peers (6.6%).
Declared Dividend • Feb 05Fourth quarter dividend of US$0.23 announcedShareholders will receive a dividend of US$0.23. Ex-date: 29th February 2024 Payment date: 15th March 2024 Dividend yield will be 4.2%, which is lower than the industry average of 4.8%. Sustainability & Growth Dividend is well covered by earnings (34% payout ratio) and is expected to be well covered in 3 years' time (41% forecast payout ratio). The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. EPS is expected to decline by 18% over the next 2 years. However, it would need to fall by 62% to increase the payout ratio to a potentially unsustainable range.
Reported Earnings • Jan 27Full year 2023 earnings released: EPS: US$2.72 (vs US$2.33 in FY 2022)Full year 2023 results: EPS: US$2.72 (up from US$2.33 in FY 2022). Revenue: US$797.1m (up 18% from FY 2022). Net income: US$255.9m (up 18% from FY 2022). Profit margin: 32% (in line with FY 2022). Revenue is forecast to grow 2.1% p.a. on average during the next 2 years, compared to a 2.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has only increased by 12% per year, which means it is significantly lagging earnings growth.
お知らせ • Jan 26First Financial Bancorp. Approves Quarterly Dividend, Payable on March 15, 2024First Financial Bancorp. board of directors approved a quarterly dividend of $0.23 per common share for the next regularly scheduled dividend, payable on March 15, 2024 to shareholders of record as of March 1, 2024.
お知らせ • Jan 09First Financial Bancorp. to Report Q4, 2023 Results on Jan 25, 2024First Financial Bancorp. announced that they will report Q4, 2023 results After-Market on Jan 25, 2024
Recent Insider Transactions • Dec 22Independent Director recently sold €310k worth of stockOn the 19th of December, William Barron sold around 14k shares on-market at roughly €21.81 per share. This transaction amounted to 1.7% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €1.1m more than they bought in the last 12 months.
Upcoming Dividend • Nov 23Upcoming dividend of US$0.23 per share at 4.5% yieldEligible shareholders must have bought the stock before 30 November 2023. Payment date: 15 December 2023. Payout ratio is a comfortable 32% and this is well supported by cash flows. Trailing yield: 4.5%. Lower than top quartile of German dividend payers (5.0%). Lower than average of industry peers (6.4%).
お知らせ • Oct 25+ 1 more updateFirst Financial Bancorp. Reports Unaudited Net Charge-Offs Results for the Third Quarter Ended September 30, 2023First Financial Bancorp. reported unaudited net charge-offs results for the third quarter ended September 30, 2023. For the quarter, the company reported total net charge-offs of $16,352,000 against $1,687,000 a year ago.
Reported Earnings • Oct 25Third quarter 2023 earnings released: EPS: US$0.67 (vs US$0.59 in 3Q 2022)Third quarter 2023 results: EPS: US$0.67 (up from US$0.59 in 3Q 2022). Revenue: US$200.4m (up 29% from 3Q 2022). Net income: US$63.1m (up 13% from 3Q 2022). Profit margin: 32% (down from 36% in 3Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to stay flat during the next 2 years compared to a 3.6% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 18% per year whereas the company’s share price has increased by 15% per year.
お知らせ • Oct 07First Financial Bancorp. to Report Q3, 2023 Results on Oct 24, 2023First Financial Bancorp. announced that they will report Q3, 2023 results After-Market on Oct 24, 2023
Upcoming Dividend • Aug 24Upcoming dividend of US$0.23 per share at 4.4% yieldEligible shareholders must have bought the stock before 31 August 2023. Payment date: 15 September 2023. Payout ratio is a comfortable 33% and this is well supported by cash flows. Trailing yield: 4.4%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.1%).
Recent Insider Transactions • Aug 22Insider recently sold €230k worth of stockOn the 18th of August, Richard Dennen sold around 12k shares on-market at roughly €19.80 per share. This transaction amounted to 11% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €2.0m more than they bought in the last 12 months.
お知らせ • Jul 23First Financial Bancorp. Provides Earnings Guidance for the Third Quarter of 2023First Financial Bancorp. provided earnings guidance for the third quarter of 2023. For the quarter, the company expects fee income to be stable in the range between $53 million and $55 million, including the leasing business.
Reported Earnings • Jul 21Second quarter 2023 earnings released: EPS: US$0.70 (vs US$0.55 in 2Q 2022)Second quarter 2023 results: EPS: US$0.70 (up from US$0.55 in 2Q 2022). Revenue: US$201.8m (up 20% from 2Q 2022). Net income: US$65.7m (up 28% from 2Q 2022). Profit margin: 33% (up from 31% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.6% p.a. on average during the next 2 years, compared to a 4.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 17% per year whereas the company’s share price has increased by 19% per year.
お知らせ • Jul 12First Financial Bancorp. to Report Q2, 2023 Results on Jul 20, 2023First Financial Bancorp. announced that they will report Q2, 2023 results After-Market on Jul 20, 2023
New Risk • Jun 09New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 7.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 5.6% per year for the foreseeable future. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (7.0% average weekly change).
Valuation Update With 7 Day Price Move • Jun 08Investor sentiment improves as stock rises 18%After last week's 18% share price gain to €20.80, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 82% over the past three years.
Upcoming Dividend • May 24Upcoming dividend of US$0.23 per share at 4.6% yieldEligible shareholders must have bought the stock before 31 May 2023. Payment date: 15 June 2023. Payout ratio is a comfortable 35% and this is well supported by cash flows. Trailing yield: 4.6%. Within top quartile of German dividend payers (4.6%). Lower than average of industry peers (6.1%).
Reported Earnings • Apr 21First quarter 2023 earnings released: EPS: US$0.75 (vs US$0.44 in 1Q 2022)First quarter 2023 results: EPS: US$0.75 (up from US$0.44 in 1Q 2022). Revenue: US$204.4m (up 33% from 1Q 2022). Net income: US$70.4m (up 71% from 1Q 2022). Profit margin: 34% (up from 27% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.3% p.a. on average during the next 2 years, compared to a 5.7% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 14% per year and the company’s share price has also increased by 14% per year.
Reported Earnings • Mar 01Full year 2022 earnings released: EPS: US$2.33 (vs US$2.16 in FY 2021)Full year 2022 results: EPS: US$2.33 (up from US$2.16 in FY 2021). Revenue: US$673.2m (up 7.0% from FY 2021). Net income: US$217.6m (up 6.1% from FY 2021). Profit margin: 32% (in line with FY 2021). Net interest margin (NIM): 3.77% (up from 3.31% in FY 2021). Non-performing loans: 0.38% (down from 0.65% in FY 2021). Revenue is forecast to grow 8.4% p.a. on average during the next 2 years, compared to a 6.6% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 8% per year.
Upcoming Dividend • Feb 21Upcoming dividend of US$0.23 per share at 3.6% yieldEligible shareholders must have bought the stock before 28 February 2023. Payment date: 15 March 2023. Trailing yield: 3.6%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (5.3%).
Recent Insider Transactions • Feb 15Non-Executive Chairman of the Board recently sold €596k worth of stockOn the 13th of February, Claude Davis sold around 25k shares on-market at roughly €23.84 per share. This transaction amounted to 25% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Claude has been a net seller over the last 12 months, reducing personal holdings by €1.2m.
Reported Earnings • Jan 27Full year 2022 earnings released: EPS: US$2.33 (vs US$2.16 in FY 2021)Full year 2022 results: EPS: US$2.33 (up from US$2.16 in FY 2021). Revenue: US$697.1m (up 11% from FY 2021). Net income: US$217.6m (up 6.1% from FY 2021). Profit margin: 31% (down from 33% in FY 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 6.3% p.a. on average during the next 2 years, compared to a 5.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
お知らせ • Jan 27First Financial Bancorp. Approves Quarterly Dividend, Payable on March 15, 2023First Financial Bancorp. board of directors approved a quarterly dividend of $0.23 per common share for the next regularly scheduled dividend, payable on March 15, 2023 to shareholders of record as of March 1, 2023.
お知らせ • Jan 12First Financial Bancorp. Announces Retirement of Corinne Finnerty as Director of the CompanyFirst Financial Bancorp. announced that Corinne Finnerty has notified the Company of her decision to retire as a director of the Company effective at the end of her current term. Accordingly, Mrs. Finnerty will not stand for re-election at the Company’s 2023 Annual Meeting of Shareholders to be held on May 23, 2023.
お知らせ • Jan 10First Financial Bancorp. to Report Fiscal Year 2022 Results on Jan 26, 2023First Financial Bancorp. announced that they will report fiscal year 2022 results at 4:00 PM, US Eastern Standard Time on Jan 26, 2023
Upcoming Dividend • Nov 23Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 30 November 2022. Payment date: 15 December 2022. Payout ratio is a comfortable 44% and this is well supported by cash flows. Trailing yield: 3.5%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.3%).
Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 6 highly experienced directors. Independent Director Gary Warzala was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Recent Insider Transactions • Nov 03Insider recently sold €537k worth of stockOn the 1st of November, Richard Dennen sold around 20k shares on-market at roughly €26.55 per share. This transaction amounted to 18% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €1.6m more than they bought in the last 12 months.
お知らせ • Oct 26First Financial Bancorp Declares Quarterly Cash Dividend, Payable on December 15, 2022On October 25, 2022, the board of directors of First Financial Bancorp. declared a quarterly cash dividend of $0.23 per common share. The dividend is payable on December 15, 2022 to shareholders of record as of December 1, 2022.
Reported Earnings • Oct 22Third quarter 2022 earnings released: EPS: US$0.59 (vs US$0.64 in 3Q 2021)Third quarter 2022 results: EPS: US$0.59 (down from US$0.64 in 3Q 2021). Revenue: US$172.1m (up 7.1% from 3Q 2021). Net income: US$55.7m (down 7.2% from 3Q 2021). Profit margin: 32% (down from 37% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 8.2% p.a. on average during the next 3 years, compared to a 5.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 5% per year whereas the company’s share price has increased by 4% per year.
お知らせ • Oct 21First Financial Bancorp Announces Net Charge-Offs for the Third Quarter Ended September 30, 2022First Financial Bancorp announced net charge-offs for the third quarter ended September 30, 2022. Total net charge-offs of $1,687,000 compared to $2,494,000 a year ago.
お知らせ • Oct 07First Financial Bancorp. to Report Q3, 2022 Results on Oct 20, 2022First Financial Bancorp. announced that they will report Q3, 2022 results at 4:00 PM, US Eastern Standard Time on Oct 20, 2022
Upcoming Dividend • Aug 24Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 31 August 2022. Payment date: 15 September 2022. Payout ratio is a comfortable 43% and this is well supported by cash flows. Trailing yield: 4.1%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (6.5%).
お知らせ • Jul 27First Financial Bancorp Declares Quarterly Cash Dividend, Payable on September 15, 2022On July 26, 2022, the board of directors of First Financial Bancorp. declared a quarterly cash dividend of $0.23 per common share. The dividend is payable on September 15, 2022 to shareholders of record as of September 1, 2022.
Reported Earnings • Jul 22Second quarter 2022 earnings released: EPS: US$0.55 (vs US$0.53 in 2Q 2021)Second quarter 2022 results: EPS: US$0.55 (up from US$0.53 in 2Q 2021). Revenue: US$167.8m (up 4.9% from 2Q 2021). Net income: US$51.5m (up 1.2% from 2Q 2021). Profit margin: 31% (down from 32% in 2Q 2021). The decrease in margin was driven by higher expenses. Over the next year, revenue is forecast to grow 8.4%, compared to a 14% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
お知らせ • Jul 08First Financial Bancorp. to Report Q2, 2022 Results on Jul 21, 2022First Financial Bancorp. announced that they will report Q2, 2022 results at 4:00 PM, US Eastern Standard Time on Jul 21, 2022
お知らせ • May 26First Financial Bancorp Announces Appointment of Gary Warzala as Member of Board of DirectorFirst Financial Bancorp held its annual meeting of shareholders May 24, 2022, during which Gary Warzala was elected to a one-year term as a new member of the First Financial board of directors, effective immediately. Warzala is currently a security and risk management executive advisor with Gartner Inc. Before joining Gartner in 2019, he served as chief information security officer to Fifth Third Bank, PNC Bank, and Visa International. Warzala is a board member of the Economic Crime & Cybersecurity Institute of Utica College, and the INTERalliance of Cincinnati. He also serves as an industry advisory board member for the University of Cincinnati. John T. Neighbours, a member of First Financial Bancorp's board of directors since August 2015, previously announced his retirement from the board, effective as of today's meeting.
Upcoming Dividend • May 24Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 31 May 2022. Payment date: 15 June 2022. Payout ratio is a comfortable 44% and this is well supported by cash flows. Trailing yield: 4.4%. Within top quartile of German dividend payers (4.2%). Lower than average of industry peers (6.4%).
Recent Insider Transactions • May 21Independent Director recently sold €68k worth of stockOn the 16th of May, William Barron sold around 4k shares on-market at roughly €19.35 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €2.1m more than they bought in the last 12 months.
Recent Insider Transactions • May 03President recently bought €97k worth of stockOn the 29th of April, Archie Brown bought around 5k shares on-market at roughly €19.50 per share. This was the largest purchase by an insider in the last 3 months. This was Archie's only on-market trade for the last 12 months.
Board Change • Apr 27Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. 6 highly experienced directors. Independent Director William Barron was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Apr 27First Financial Bancorp Declares Quarterly Cash Dividend, Payable on June 15, 2022On April 26, 2022, the board of directors of First Financial Bancorp declared a quarterly cash dividend of $0.23 per common share. The dividend is payable on June 15, 2022 to shareholders of record as of June 1, 2022.
Reported Earnings • Apr 23First quarter 2022 earnings released: EPS: US$0.44 (vs US$0.49 in 1Q 2021)First quarter 2022 results: EPS: US$0.44 (down from US$0.49 in 1Q 2021). Revenue: US$153.5m (up 2.2% from 1Q 2021). Net income: US$41.3m (down 13% from 1Q 2021). Profit margin: 27% (down from 32% in 1Q 2021). The decrease in margin was driven by higher expenses. Over the next year, revenue is forecast to grow 4.2%, compared to a 8.2% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 2% per year.
お知らせ • Apr 09First Financial Bancorp. to Report Q1, 2022 Results on Apr 21, 2022First Financial Bancorp. announced that they will report Q1, 2022 results After-Market on Apr 21, 2022
お知らせ • Apr 01First Financial Bancorp., Annual General Meeting, May 24, 2022First Financial Bancorp., Annual General Meeting, May 24, 2022.
お知らせ • Mar 31First Financial Bancorp. Announces the Retirement of John Neighbours as DirectorJohn Neighbours has notified First Financial Bancorp of his decision to retire as a director of the Company effective at the end of his current term. Accordingly, Mr. Neighbours will not stand for re-election at the Company's 2022 Annual Meeting of Shareholders to be held on May 24, 2022.
Upcoming Dividend • Feb 21Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 28 February 2022. Payment date: 15 March 2022. Payout ratio is a comfortable 43% and this is well supported by cash flows. Trailing yield: 3.6%. Within top quartile of German dividend payers (3.3%). Lower than average of industry peers (4.5%).
Reported Earnings • Jan 29Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$2.16 (up from US$1.60 in FY 2020). Revenue: US$641.7m (up 12% from FY 2020). Net income: US$205.2m (up 32% from FY 2020). Profit margin: 32% (up from 27% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.31% (down from 3.51% in FY 2020). Non-performing loans: 0.65% (down from 0.89% in FY 2020). Revenue was in line with analyst estimates. Over the next year, revenue is expected to shrink by 1.9% compared to a 11% growth forecast for the banks industry in Germany. Over the last 3 years on average, earnings per share has remained flat whereas the company’s share price has fallen by 1% per year.
お知らせ • Jan 28First Financial Bancorp. Approves Quarterly Dividend, Payable on March 15, 2022The board of directors of First Financial Bancorp. approved a quarterly dividend of $0.23 per common share for the next regularly scheduled dividend, payable on March 15, 2022 to shareholders of record as of March 1, 2022.
お知らせ • Dec 08First Financial Bancorp. (NasdaqGS:FFBC) entered into a Stock Purchase Agreement to acquire Summit Funding Group, Inc. for approximately 120 million.First Financial Bancorp. (NasdaqGS:FFBC) entered into a Stock Purchase Agreement to acquire Summit Funding Group, Inc. for approximately $120 million on December 6, 2021. First Financial Bancorp. (NasdaqGS:FFBC) will issue 404,694 shares of Company common stock (the “Company Stock”) and make a cash payment equal to $111,500,000. In addition, pursuant to the Purchase Agreement, the Bank agreed to pay certain “earn-out” payments annually for each of the five years following the closing of the Acquisition. The earn-out consideration is payable in cash in an amount equal to 2.5% of principal value of the actual originations of equipment leases and similar financing products offered by Summit in excess of the Base Level of Originations in the applicable year. Upon completion of the transaction, Summit will continue to operate under the name Summit Funding Group as a subsidiary of First Financial Bancorp. The closing of the Acquisition is subject to customary conditions, including the absence of any governmental order that restrains, prevents or materially alters the transactions contemplated by the Purchase Agreement, the expiration or termination of the applicable waiting period under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, the accuracy of parties’ representations and warranties contained in the Purchase Agreement, parties’ material compliance with the covenants and agreements in the Purchase Agreement, the absence of a material adverse effect on Summit or the Bank, and entering into a registration rights agreement. The Company expects the Acquisition to close in the fourth quarter of 2021. The transaction is expected to be mid-single-digit accretive to First Financial’s earnings per share in the first-year post-integration (2023) and low-double-digit accretive on a run-rate basis thereafter. James J. Barresi of Squire Patton Boggs (US) LLP acted as legal advisor to First Financial Bancorp. David Zimmerman of Taft Stettinius & Hollister LLP acted as legal advisor to Summit Funding Group, Inc. Lazard acted as financial advisor to First Financial Bancorp. Keefe, Bruyette & Woods acted as financial advisor to Summit Funding Group, Inc.
Upcoming Dividend • Nov 23Upcoming dividend of US$0.23 per shareEligible shareholders must have bought the stock before 30 November 2021. Payment date: 15 December 2021. Trailing yield: 3.6%. Within top quartile of German dividend payers (3.1%). Higher than average of industry peers (3.0%).