FFBC (First Financial Bancorp) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is First Financial Bancorp LT-Debt-to-Total-Asset?

First Financial Bancorp FFBC +0.87% 63 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates FFBC with a GF Score™ of 63/100 and a GF Value™ of $27.38 (Modestly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. First Financial Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

First Financial Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.02). It may suggest that First Financial Bancorp is progressively becoming less dependent on debt to grow their business.

First Financial Bancorp (NAS:FFBC) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

First Financial Bancorp LT-Debt-to-Total-Asset Related Terms

First Financial Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for First Financial Bancorp's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Financial Bancorp LT-Debt-to-Total-Asset Chart

First Financial Bancorp Annual Data

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LT-Debt-to-Total-Asset

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0.02

First Financial Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.01	0.02	0.02

63GF Score

First Financial Bancorp FFBC

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First Financial Bancorp LT-Debt-to-Total-Asset Calculation

First Financial Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	514.052	/	21129.379
	=	0.02

First Financial Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	380.176	/	22779.815
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

First Financial Bancorp (FFBC) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Financial Bancorp and its competitors.

Is First Financial Bancorp's LT-Debt-to-Total-Asset too high?

First Financial Bancorp's current LT-Debt-to-Total-Asset is 0.02. Overall, First Financial Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does First Financial Bancorp's LT-Debt-to-Total-Asset compare to MCHB and CBU?

First Financial Bancorp's LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Financial Bancorp and its competitors. First Financial Bancorp's current LT-Debt-to-Total-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is First Financial Bancorp stock overvalued right now?

Based on GuruFocus' analysis, First Financial Bancorp (FFBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $27.38, compared to a current price of $33.75 — trading 23.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. First Financial Bancorp's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For First Financial Bancorp (FFBC), the current LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Financial Bancorp (FFBC) Overvalued in 2026?

Based on GuruFocus' analysis, First Financial Bancorp stock appears to be overvalued. The current stock price of $33.75 is trading 23.3% above its estimated GF Value™ of $27.38. GuruFocus considers First Financial Bancorp to be Modestly Overvalued.

Key valuation signals for FFBC:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $27.38 vs. price of $33.75 (23.3% above fair value)
GF Score™: 63/100 with 7 warning signs

No single metric tells the full story. See the FFBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First Financial Bancorp Business Description

Industry Financial Services Banks

Comparable Companies MCHB CBU BKU FHB NIC WSBC PRK FIBK SFNC TOWN SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges FI5:Germany

Address 255 East Fifth Street, Suite 900, Cincinnati, OH, USA, 45202

Website https://www.bankatfirst.com

First Financial Bancorp is a mid-sized, regional bank holding company. It engages in the business of commercial banking and other banking and banking-related activities through its subsidiary. The range of banking services provided to individuals and businesses includes commercial lending, real estate lending, and consumer financing. Real estate loans are loans secured by a mortgage lien on the real property of the borrower, which may either be residential property or commercial property. In addition, it offers deposit products that include interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for commercial customers. A full range of trust and wealth management services is also provided through First Financial's Wealth Management line of business.

63GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.75

Price

$27.38

GF Value

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