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First Financial Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$107M in Q3 2026 · $778M over twelve months

Operating cash flow$112M
Capital spending−$5.0M
Free cash flow+$107M
Cash / net income1.4×

Analysis

In Q3 2026, First Financial Bancorp generated $112M of operating cash flow and spent $5.0M on capital projects, leaving free cash flow of $107M. That is $21.7M more than in Q3 2025 ($85.8M).

Over the twelve months to Sep 30, 2026, operating cash flow was $815M; the largest uses were other investing ($852M), acquisitions ($175M), dividends ($104M); besides operations, cash came from other financing ($386M); the cash balance rose by $1.4M.

Operating cash flow was $112M against net income of $81.2M — 1.4× profit, cash ran ahead of reported earnings. The largest differences: other liabilities −$132M, prepaid and other assets +$115M, depreciation & amortization +$12.8M.

Free cash flow

First Financial Bancorp: free cash flow by quarterFirst Financial Bancorp: free cash flow by quarter$67.1MQ4 2024$52.4MQ1 2025$64.8MQ2 2025$85.8MQ3 2025$114MQ4 2025$535MQ1 2026$21.1MQ2 2026$107MQ3 2026
Operating cash flow less capital spending.
First Financial Bancorp: operating cash flow against capital spendingFirst Financial Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$74.1M$7.0MQ4 2024$56.1M$3.8MQ1 2025$69.8M$4.9MQ2 2025$89.8M$4.0MQ3 2025$122M$8.0MQ4 2025$549M$13.5MQ1 2026$31.4M$10.3MQ2 2026$112M$5.0MQ3 2026
Latest (Q3 2026): Operating cash flow $112M, Capital spending $5.0M.

Capital allocation, year by year

First Financial Bancorp: where the cash came from (up) and went (down), by fiscal yearFirst Financial Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $388MFY2021: Net borrowing −$334MFY2021: Shares issued $64KFY2021: Capital spending −$15.3MFY2021: Acquisitions −$109MFY2021: Buybacks −$108MFY2021: Dividends −$87.3M$388MFY2021FY2022: Operating cash flow $201MFY2022: Net borrowing $927MFY2022: Shares issued $177KFY2022: Capital spending −$13.8MFY2022: Dividends −$86.6M$1.1BFY2022FY2023: Operating cash flow $487MFY2023: Net borrowing −$353MFY2023: Shares issued $48KFY2023: Capital spending −$24.1MFY2023: Acquisitions −$3.5MFY2023: Dividends −$87.2M$487MFY2023FY2024: Operating cash flow $262MFY2024: Net borrowing −$182MFY2024: Capital spending −$21.1MFY2024: Acquisitions −$96.9MFY2024: Dividends −$89.5M$262MFY2024FY2025: Operating cash flow $338MFY2025: Net borrowing −$159MFY2025: Capital spending −$20.8MFY2025: Acquisitions −$187MFY2025: Dividends −$94.6M$338MFY2025
Over these 5 years operating cash flow totalled $1.7B; the largest uses were net borrowing ($1.0B) and dividends ($445M). Cash-flow statements as filed.

Where the cash came from and went

First Financial Bancorp: sources (+) and uses (−) of cash, Q3 2026First Financial Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$249MOther financing$115MOperating cash flow$112MCash drawn (+) / kept (−)$30.3MDividends−$27.0MNet borrowing (+) / repaid (−)$24.0MCapital spending−$5.0M
First Financial Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026First Financial Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$852MOperating cash flow$815MOther financing$386MAcquisitions−$175MDividends−$104MCapital spending−$36.8MNet borrowing (+) / repaid (−)−$31.9MCash drawn (+) / kept (−)−$1.4M

From profit to cash

First Financial Bancorp: net income to operating cash flow, Q3 2026First Financial Bancorp: net income to operating cash flow, Q3 2026Net income$81.2MDepreciation & amortization$12.8MStock-based pay$4.7MDeferred taxes$8.0MGains on investments−$247KPrepaid and other assets$115MOther liabilities−$132MOperating cash flow$112M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$112M−$5.0M—−$27.0M$24.0M$30.3M$107M
Q2 2026$31.4M−$10.3M−$103K−$26.9M−$8.8M−$35.7M$21.1M
Q1 2026$549M−$13.5M$12.7M−$26.0M−$218M$7.9M$535M
Q4 2025$122M−$8.0M−$187M−$24.4M$1.7M−$3.9M$114M
Q3 2025$89.8M−$4.0M—−$23.7M−$213M$35.5M$85.8M
Q2 2025$69.8M−$4.9M—−$23.6M−$116M−$19.6M$64.8M
Q1 2025$56.1M−$3.8M—−$23.0M$42.8M−$16.4M$52.4M
Q4 2024$74.1M−$7.0M—−$22.7M−$56.2M$16.4M$67.1M

First Financial Bancorp: income statement and cash flow

First Financial Bancorp, Q3 2026: revenue $274M (+17% year over year), operating margin 36.2%. The chart follows the revenue to costs, profit and cash.

First Financial Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.