For the year ending 2025-12-31, FFBC had $4,295K increase in cash & cash equivalents over the period. $317,104K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 255,605 |
| Provision for credit losses | 37,667 |
| Depreciation and amortization | 31,830 |
| Stock-based compensation expense | 15,590 |
| Pension expense (income) | 8,772 |
| Net amortization (accretion) on investment securities | 3,264 |
| Net (gain) loss on investments securities | -22,324 |
| Originations of loans held for sale | 588,444 |
| Net (gains) losses on sales of loans held for sale | 24,885 |
| Proceeds from sales of loans held for sale | 609,558 |
| Deferred income taxes | 18,907 |
| Operating lease, expense | 7,993 |
| Operating lease, payments | 8,520 |
| Life insurance, corporate or bank owned, change in value | 5,690 |
| Decrease (increase) in interest receivable | -2,540 |
| (decrease) increase in interest payable | -5,470 |
| Decrease (increase) in other assets | 43,870 |
| (decrease) increase in other liabilities | 7,218 |
| Net cash provided by (used in) operating activities | 337,861 |
| Proceeds from sale of debt securities, available-for-sale | 752,278 |
| Proceeds from calls, paydowns and maturities of securities available-for-sale | 655,467 |
| Payments to acquire debt securities, available-for-sale | 1,794,387 |
| Proceeds from calls, paydowns and maturities of securities held-to-maturity | 18,674 |
| Proceeds from sale of other investments | 19,810 |
| Proceeds from maturities, prepayments and calls of other investments | 52,294 |
| Purchases of other investment securities | 74,657 |
| Net decrease (increase) in interest-bearing deposits with other banks | 132,890 |
| Payments for (proceeds from) other loans and leases | 97,881 |
| Proceeds from sale of other real estate | 166 |
| Purchases of premises and equipment | 20,757 |
| Net change in operating leases | -4,884 |
| Payment to acquire life insurance policy, investing activities | 175 |
| Proceeds from life insurance policy | 1,624 |
| Net cash acquired (paid) in business combinations | 187,186 |
| Net cash provided by (used in) investing activities | -546,724 |
| Net (decrease) increase in total deposits | 302,180 |
| Net (decrease) increase in short-term borrowings | -158,550 |
| Proceeds from (repayments of) other long-term debt | -131,487 |
| Proceeds from issuance of subordinated long-term debt | 300,000 |
| Payments of debt issuance costs | 4,339 |
| Cash dividends paid on common stock | 94,646 |
| Proceeds from exercise of stock options | 0 |
| Net cash provided by (used in) financing activities | 213,158 |
| Net (decrease) increase in cash and due from banks | 4,295 |
FIRST FINANCIAL BANCORP OH (FFBC)
FIRST FINANCIAL BANCORP OH (FFBC)