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Zacks Company Profile for First Financial Bancorp. (FFBC : NSDQ)

• Company Description    First Financial Bancorp., is a financial holding company that engages in the business of commercial banking, and other permissible activities that are financial in nature, through seventeen wholly owned subsidiary institutions. Bancorp provides management and similar services for its subsidiary financial institutions. Bancorp must depend largely upon its seventeen subsidiaries for funds with which to pay the expenses of its operation and, to the extent applicable, any dividends on its outstanding shares of stock. Number of Employees: 2,199

• Price / Volume Information    Yesterday's Closing Price: $33.87 Daily Weekly Monthly 20 Day Moving Average: 1,354,232 shares Shares Outstanding: 104.93 (millions) Market Capitalization: $3,553.95 (millions) Beta: 0.92 52 Week High: $36.25 52 Week Low: $23.06 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 1.13% 0.39% 12 Week 11.86% 8.79% Year To Date 35.37% 24.79%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 255 EAST FIFTH STREET SUITE 900 - CINCINNATI,OH 45202 USA ph: 877-322-9530 fax: 513-867-3111 investorrelations@bankatfirst.com http://www.bankatfirst.com

• General Corporate Information    Officers Archie M. Brown - President and Chief Executive Officer Claude E. Davis - Chairman of the Board James M. Anderson - Executive Vice President; Chief Operating Officer Scott T. Crawley - Senior Vice President and Controller Anne L. Arvia - Director Peer Information First Financial Bancorp. (CNBA) First Financial Bancorp. (CNBD) First Financial Bancorp. (ASB) First Financial Bancorp. (CFIC) First Financial Bancorp. (OSBC) First Financial Bancorp. (FMBI) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-MIDWEST Sector: Finance CUSIP: 320209109 SIC: 6021 Fiscal Year Fiscal Year End: December Last Reported Quarter: 06/01/26 Next Expected EPS Date: 10/22/26 Share - Related Items Shares Outstanding: 104.93 Most Recent Split Date: 3.00 (1.05:1) Beta: 0.92 Market Capitalization: $3,553.95 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 2.95% Current Fiscal Quarter EPS Consensus Estimate: $0.83 Indicated Annual Dividend: $1.00 Current Fiscal Year EPS Consensus Estimate: $3.28 Payout Ratio: 0.33 Number of Estimates in the Fiscal Year Consensus: 3.00 Change In Payout Ratio: -0.05 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 06/01/2026 - $0.25 Next EPS Report Date: 10/22/26

• Fundamental Ratios P/E Current FY Estimate: 10.32 Trailing 12 Months: 10.82 PEG Ratio: - Price Ratios Price/Book: 1.19 Price/Cash Flow: 10.76 Price / Sales: 2.59 EPS Growth vs. Year Ago Period: 8.11% vs. Previous Quarter: 3.90% Sales Growth vs. Year Ago Period: 12.98% vs. Previous Quarter: -2.64% ROE 06/30/26 - 11.13 03/31/26 - 11.09 12/31/25 - 10.77 ROA 06/30/26 - 1.49 03/31/26 - 1.49 12/31/25 - 1.47 Current Ratio 06/30/26 - 0.85 03/31/26 - 0.84 12/31/25 - 0.89 Quick Ratio 06/30/26 - - 03/31/26 - 0.84 12/31/25 - 0.89 Operating Margin 06/30/26 - 22.96 03/31/26 - 22.69 12/31/25 - 22.37 Net Margin 06/30/26 - 20.77 03/31/26 - 20.92 12/31/25 - 20.30 Pre-Tax Margin 06/30/26 - 26.06 03/31/26 - 26.37 12/31/25 - 25.51 Book Value 06/30/26 - 28.47 03/31/26 - 28.03 12/31/25 - 28.11 Inventory Turnover 06/30/26 - 14.06 03/31/26 - 14.99 12/31/25 - 15.00 Debt-to-Equity 06/30/26 - 0.32 03/31/26 - 0.32 12/31/25 - 0.43 Debt-to-Capital 06/30/26 - 24.18 03/31/26 - 24.03 12/31/25 - 30.04

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