What is First Financial Bancorp.'s Shariah compliance score?

First Financial Bancorp.'s (FFBC) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does First Financial Bancorp. pass AAOIFI screening?

First Financial Bancorp. (FFBC) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (FFBC: 36.0%), (3) interest-bearing deposits below 30% (FFBC: 125.7%), and (4) prohibited income below 5% (FFBC: 79.6%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for First Financial Bancorp. stock?

First Financial Bancorp. (FFBC) has a non-permissible income ratio of 79.56%. Muslim investors should purify this percentage of any dividends received and capital gains realized from FFBC shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen First Financial Bancorp. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for First Financial Bancorp. (FFBC) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about FFBC's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

Is First Financial Bancorp. (FFBC) halal? Not Halal. Based on AAOIFI screening, First Financial Bancorp. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

FFBC: Is First Financial Bancorp. Halal?

Not Halal

First Financial Bancorp.

NASDAQFinancial ServicesUS

$31.46

-1.35%

AvoidBorderlineClean

About First Financial Bancorp.

First Financial Bancorp. (FFBC) functions as the parent company for First Financial Bank, delivering a comprehensive suite of commercial banking and associated financial services to both individual consumers and corporate clients. Its operational footprint spans across Ohio, Indiana, Kentucky, and Illinois. The institution offers a diverse range of deposit solutions, including both interest-accruing and noninterest-bearing accounts, fixed-term deposits, and sophisticated cash management tools tailored for its business customers. The company's lending activities are extensive, covering real estate loans secured by residential properties—from single-family homes to multi-unit dwellings—as well as commercial properties such as owner-occupied business sites, income-generating apartments, shopping centers, and office buildings. Furthermore, it provides commercial and industrial loans to finance inventory, accounts receivable, and equipment acquisition. For individual borrowers, the bank offers consumer loans for new and used vehicles, second mortgages on homes, unsecured personal loans, and home equity lines of credit. Beyond its core banking offerings, First Financial Bancorp. extends specialized commercial financing to particular sectors, including the insurance industry, registered investment advisors, certified public accounting firms, indirect auto finance companies, and restaurant franchise operators. The bank also provides comprehensive trust and wealth management services, alongside lease and equipment financing solutions. As of December 31, 2021, the company maintained an extensive network of 139 full-service banking centers, 29 of which were leased facilities. This network included 62 branches in Ohio, 3 in Illinois, 62 in Indiana, and 12 in Kentucky. First Financial Bancorp. was established in 1863 and its headquarters are located in Cincinnati, Ohio.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 18, 2026

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap36.0% / 30.0%

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Screened: Jun 18, 2026Fiscal: FY 2025Source: FMP

Financial Overview

Market Cap

3.3B

Price

$31.46

Sector

Financial Services

Industry

Banks - Regional

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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Free · No credit card required

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Frequently Asked Questions

Is First Financial Bancorp. (FFBC) halal to invest in?

First Financial Bancorp. (FFBC) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did First Financial Bancorp. get a F compliance rating?

First Financial Bancorp. (FFBC) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 36.0% (limit 30%); interest-bearing deposits of 125.7% (limit 30%); prohibited income of 79.56% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change First Financial Bancorp.'s Shariah verdict?

First Financial Bancorp.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is First Financial Bancorp. re-screened for Shariah compliance?

First Financial Bancorp. (FFBC) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jun 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.