Demonstrações financeiras detalhadas de First Financial Bancorp. (FFBC): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
First Financial Bancorp. registou receitas de $1.26B no último exercício, com um CAGR de 5 anos de 12.0%. O lucro líquido atingiu $255.6M, com CAGR de 5 anos de 10.4%.
Margens dos últimos 12 meses: margem bruta 69.8%, margem operacional 26.9%, margem líquida 21.4%. O fluxo de caixa livre cresceu a CAGR de 28.1% em 5 anos.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $375.6M | $409.2M | $643.8M | $739.0M | $714.1M | $654.7M | $774.6M | $1.12B | $1.23B | $1.26B |
| Custo da Receita | $43.4M | $53.1M | $106.0M | $153.8M | $139.0M | $13.0M | $77.6M | $318.3M | $437.7M | $397.5M |
| Lucro Bruto | $332.1M | $356.1M | $537.8M | $585.2M | $575.1M | $641.7M | $697.1M | $797.1M | $787.9M | $861.8M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $150.1M | $160.2M | $231.8M | $243.1M | $248.3M | $259.5M | $305.7M | $346.8M | $368.9M | $374.2M |
| Despesas Operacionais | $201.4M | $239.9M | $323.5M | $342.3M | $390.7M | $400.8M | $455.3M | $478.5M | $519.6M | $540.5M |
| Lucro Operacional | $130.7M | $116.2M | $214.2M | $242.9M | $184.4M | $240.9M | $241.7M | $318.6M | $268.3M | $321.3M |
| EBITDA | $143.8M | $128.8M | $238.4M | $271.0M | $225.6M | $280.5M | $280.5M | $356.4M | $306.7M | $343.4M |
| Despesas com Juros | $33.3M | $49.5M | $91.1M | $123.3M | $68.5M | $31.1M | $65.9M | $275.2M | $390.1M | $359.9M |
| Lucro Antes de Impostos | $130.7M | $116.2M | $214.2M | $242.9M | $184.4M | $240.9M | $241.7M | $318.6M | $268.3M | $321.3M |
| Imposto | $42.2M | $19.4M | $41.6M | $44.8M | $28.6M | $35.8M | $24.1M | $62.7M | $39.5M | $65.7M |
| Lucro Líquido | $88.5M | $96.8M | $172.6M | $198.1M | $155.8M | $205.2M | $217.6M | $255.9M | $228.8M | $255.6M |
| LPA | $1.45 | $1.57 | $1.95 | $2.01 | $1.60 | $2.16 | $2.33 | $2.72 | $2.42 | $2.69 |
| LPA Diluído | $1.43 | $1.56 | $1.93 | $2.00 | $1.59 | $2.14 | $2.30 | $2.69 | $2.40 | $2.66 |
| Ações em Circulação (Diluídas) | $62.0M | $62.2M | $89.6M | $98.9M | $98.1M | $95.9M | $94.6M | $95.1M | $95.4M | $95.8M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $323.8M | $330.1M | $364.3M | $314.2M |
| Lucro Bruto | $224.9M | $228.7M | $263.0M | $212.8M |
| Lucro Operacional | $90.7M | $79.1M | $93.6M | $94.4M |
| EBITDA | $98.1M | $96.9M | $107.0M | $107.8M |
| Lucro Líquido | $71.9M | $62.4M | $74.4M | $76.5M |
| LPA | $0.76 | $0.65 | $0.72 | $0.74 |
| LPA Diluído | $0.75 | $0.64 | $0.71 | $0.73 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $204.0M | $184.6M | $274.0M | $257.6M | $251.4M | $434.8M | $595.7M | $1.01B | $904.5M | $178.6M |
| Investimentos de Curto Prazo | $1.04B | $1.35B | $2.78B | $2.85B | $3.42B | $4.21B | $3.41B | $3.02B | $2.46B | $3.97B |
| Contas a Receber | $93.1M | $89.3M | $93.4M | $88.4M | $73.0M | $109.6M | $232.6M | $462.5M | $585.0M | $597.3M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.34B | $1.62B | $3.15B | $3.20B | $3.75B | $4.75B | $4.24B | $4.49B | $3.95B | $4.75B |
| Imobilizado | $131.6M | $125.0M | $215.7M | $214.5M | $207.2M | $253.9M | $280.8M | $348.0M | $407.1M | $204.8M |
| Ágio | $204.1M | $204.1M | $880.3M | $937.8M | $937.8M | $1.00B | $1.00B | $1.01B | $1.01B | $1.10B |
| Ativos Intangíveis | $6.5M | $3.8M | $40.8M | $76.2M | $64.6M | $104.4M | $93.9M | $83.9M | $79.3M | $118.8M |
| Ativos Totais | $8.44B | $8.90B | $13.99B | $14.51B | $15.97B | $16.33B | $17.00B | $17.53B | $18.57B | $21.13B |
| Contas a Pagar | $119.5M | $137.0M | $156.6M | $323.1M | $516.3M | $492.2M | $626.9M | 0 | 0 | 0 |
| Dívida de Curto Prazo | $807.9M | $814.6M | $1.04B | $1.32B | $166.6M | $319.2M | $1.29B | $937.8M | $755.5M | $675.0M |
| Passivos Circulantes | $7.45B | $7.85B | $11.34B | $11.85B | $12.91B | $13.68B | $14.62B | $14.30B | $15.08B | $17.10B |
| Dívida de Longo Prazo | $119.6M | $119.7M | $570.7M | $413.2M | $339.4M | $385.0M | $345.0M | $342.5M | $346.0M | $514.1M |
| Passivos Totais | $7.57B | $7.97B | $11.91B | $12.26B | $13.69B | $14.07B | $14.96B | $15.26B | $16.13B | $18.36B |
| Reservas | $437.2M | $491.8M | $600.0M | $711.2M | $720.4M | $837.5M | $968.2M | $1.14B | $1.28B | $1.44B |
| Patrimônio Líquido | $865.2M | $930.7M | $2.08B | $2.25B | $2.28B | $2.26B | $2.04B | $2.27B | $2.44B | $2.77B |
| Dívida Total | $927.5M | $934.2M | $1.61B | $1.73B | $507.8M | $706.0M | $1.63B | $1.28B | $1.10B | $1.19B |
| Dívida Líquida | -$316.4M | -$599.8M | -$1.44B | -$1.38B | -$3.17B | -$3.94B | -$2.37B | -$2.75B | -$2.26B | -$2.96B |
| Capital de Giro | -$6.12B | -$6.22B | -$8.19B | -$8.65B | -$9.17B | -$8.93B | -$10.38B | -$9.81B | -$11.14B | -$12.35B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $739.7M | $178.6M | $170.6M | $787.9M |
| Ativos Totais | $18.55B | $21.13B | $22.76B | $22.44B |
| Passivos Totais | $15.92B | $18.36B | $19.82B | $19.45B |
| Patrimônio Líquido | $2.63B | $2.77B | $2.94B | $2.99B |
| Dívida Total | $817.0M | $1.19B | $930.2M | $952.5M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $88.5M | $96.8M | $172.6M | $198.1M | $155.8M | $205.2M | $217.6M | $255.9M | $228.8M | $255.6M |
| Depreciação e Amortização | $13.0M | $12.6M | $24.2M | $28.1M | $41.2M | $39.6M | $38.8M | $37.8M | $38.4M | $39.8M |
| Compensação em Ações | $5.4M | $5.4M | $6.2M | $8.0M | $7.7M | $9.6M | $13.4M | $14.9M | $15.7M | $15.6M |
| Variação Capital de Giro | $10.6M | $696000 | $20.9M | -$94.0M | -$129.8M | $118.6M | -$74.6M | $127.7M | -$104.7M | -$39.6M |
| Fluxo de Caixa Operacional | $142.6M | $123.5M | $260.3M | $186.3M | $108.4M | $388.2M | $200.8M | $487.0M | $262.2M | $337.9M |
| CapEx | -$9.7M | -$6.5M | -$18.2M | -$20.9M | -$16.5M | -$15.3M | -$13.8M | -$24.1M | -$21.1M | -$20.8M |
| Aquisições | 0 | 0 | $23.7M | -$51.5M | 0 | -$109.0M | 0 | -$3.5M | -$96.9M | -$187.2M |
| Recompra de Ações | 0 | 0 | 0 | -$66.2M | -$16.7M | -$108.1M | 0 | 0 | 0 | 0 |
| Dividendos Pagos | -$39.1M | -$41.2M | -$79.7M | -$89.1M | -$89.7M | -$87.3M | -$86.6M | -$87.2M | -$89.5M | -$94.6M |
| Fluxo de Caixa Livre | $132.9M | $117.0M | $242.1M | $165.4M | $91.9M | $372.8M | $187.1M | $462.8M | $241.1M | $317.1M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $89.8M | $122.2M | $549.0M | $31.4M |
| CapEx | $8.7M | -$8.0M | -$13.5M | -$10.3M |
| Fluxo de Caixa Livre | $98.5M | $114.1M | $535.5M | $21.1M |
| Dividendos Pagos | -$23.7M | -$24.4M | -$26.0M | -$26.9M |
| Compensação em Ações | $4.0M | $3.1M | $3.7M | $4.1M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +9.0% | +57.3% | +14.8% | -3.4% | -8.3% | +18.3% | +44.0% | +9.9% | +2.7% |
| Crescimento Lucro Líquido (anual) | | +9.3% | +78.3% | +14.8% | -21.3% | +31.7% | +6.1% | +17.6% | -10.6% | +11.7% |
| Crescimento LPA (anual) | | +8.3% | +24.2% | +3.1% | -20.4% | +35.0% | +7.9% | +16.7% | -11.0% | +11.2% |
| Variação de Ações (anual) | | +0.3% | +44.1% | +10.3% | -0.8% | -2.2% | -1.4% | +0.5% | +0.3% | +0.4% |
| Crescimento FCF (anual) | | -12.0% | +107.0% | -31.7% | -44.4% | +305.7% | -49.8% | +147.4% | -47.9% | +31.5% |
| Margem Bruta | 88.4% | 87.0% | 83.5% | 79.2% | 80.5% | 98.0% | 90.0% | 71.5% | 64.3% | 68.4% |
| Margem Operacional | 34.8% | 28.4% | 33.3% | 32.9% | 25.8% | 36.8% | 31.2% | 28.6% | 21.9% | 25.5% |
| Margem EBITDA | 38.3% | 31.5% | 37.0% | 36.7% | 31.6% | 42.8% | 36.2% | 32.0% | 25.0% | 27.3% |
| Margem Líquida | 23.6% | 23.7% | 26.8% | 26.8% | 21.8% | 31.3% | 28.1% | 22.9% | 18.7% | 20.3% |
| Margem FCF | 35.4% | 28.6% | 37.6% | 22.4% | 12.9% | 56.9% | 24.1% | 41.5% | 19.7% | 25.2% |
| Taxa Efetiva de Imposto | 32.3% | 16.7% | 19.4% | 18.4% | 15.5% | 14.8% | 10.0% | 19.7% | 14.7% | 20.4% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.14 | $1.88 | $2.70 | $1.67 | $0.94 | $3.89 | $1.98 | $4.87 | $2.53 | $3.31 |
| Dividendo por Ação | $0.63 | $0.66 | $0.89 | $0.90 | $0.91 | $0.91 | $0.92 | $0.92 | $0.94 | $0.99 |
| Ações em Circulação (Básicas) | $61.2M | $61.5M | $88.6M | $98.3M | $97.4M | $95.0M | $93.5M | $93.9M | $94.4M | $94.9M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Margem bruta | 69.76% |
| Margem operacional | 26.86% |
| Margem líquida | 21.41% |
Saúde financeira
| Dívida / Patrimônio | 0.32 |
| Liquidez corrente | 0.38 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 19.62 | 16.78 | 12.16 | 12.66 | 10.96 | 11.29 | 10.40 | 8.73 | 11.11 | 9.30 |
| P/VP | 2.01 | 1.74 | 1.01 | 1.11 | 0.75 | 1.03 | 1.11 | 0.98 | 1.04 | 0.86 |
| P/V | 4.64 | 3.96 | 3.26 | 3.38 | 2.39 | 3.54 | 2.93 | 2.00 | 2.07 | 1.89 |
| Margem Bruta | 88.4% | 87.0% | 83.5% | 79.2% | 80.5% | 98.0% | 90.0% | 71.5% | 64.3% | 68.4% |
| Margem Operacional | 34.8% | 28.4% | 33.3% | 32.9% | 25.8% | 36.8% | 31.2% | 28.6% | 21.9% | 25.5% |
| Margem Líquida | 23.6% | 23.7% | 26.8% | 26.8% | 21.8% | 31.3% | 28.1% | 22.9% | 18.7% | 20.3% |