FFBCFIRST FINANCIAL BANCORP /OH/
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $108M net debt
- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear1322× net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear28% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear5% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $205K | $218K | $256K | $229K | $256K | 12% |
| Operating cash flow | $388M | $201M | $487M | $262M | $338M | 29% |
| Capex | $15M | $14M | $24M | $21M | $21M | 1.5% |
| Stock-based comp | $10M | $13M | $15M | $16M | $16M | 0.7% |
| Buybacks | $108M | $0 | $0 | — | — | |
| Dividends | $87M | $87M | $87M | $90M | $95M | 5.7% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $3M | $3M | 112 | 109 |
| FY2024 | $3M | $3M | 116 | 109 |
| FY2023 | $3M | $4M | 115 | 108 |
| FY2022 | $3M | $3M | 122 | 113 |
| FY2021 | $3M | $3M | 145 | 137 |