Is First Financial Bancorp. (FFBC) stock halal?
Screened against AAOIFI Shari’ah Standard 21
No. First Financial Bancorp. (FFBC) does not pass the AAOIFI Shari’ah Standard 21 screen. Its main business is conventional banking, lending or insurance (SEC industry code 6021 (National Commercial Banks)), which AAOIFI Shari’ah Standard 21 excludes (3/4/1). Last checked 18 September 2026.
First Financial Bancorp. is not compliant under Halal / Islamic guidelines
AAOIFI Shari’ah Standard 21 Financial Audit
Figures from the latest annual report (the SEC filing or, for European companies, the ESEF annual report, where one exists, checked against Yahoo Finance) and a 36-month average market value.
| Test | Standard Limit | Actual Figure | Status |
|---|---|---|---|
| Main business | — | — | Fail |
| Interest-bearing debt | 30% | 43.52% | Fail |
| Cash and interest-bearing investments | 30% | 298.29% | Review |
| Prohibited income | 5% | — | Review |
| Not just cash and debts | 90% | 41.57% | Pass |
Key Findings & Observations
- Its main business is conventional banking, lending or insurance (SEC industry code 6021 (National Commercial Banks)), which AAOIFI Shari’ah Standard 21 excludes (3/4/1).Source: Business check
- Interest-bearing debt is 43.5% of the company’s 36-month average market value. AAOIFI’s limit is under 30% (Shari'ah Standard 21, 3/4/2).Source: AAOIFI Shari'ah Standard 21
- The cash and interest-bearing investments test couldn’t be settled: The figures give 6.5% and 298.3%, on either side of the limit. Includes long-term investments that may be shares in other companies.Source: AAOIFI Shari'ah Standard 21
- The prohibited income test couldn’t be settled: Yahoo reports interest income of $1B, more than the company’s cash, investments and receivables could earn at 10% ($878.3M), so that figure was set aside. So the income test can’t be settled.Source: AAOIFI Shari'ah Standard 21
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Frequently Asked Questions about First Financial Bancorp. (FFBC)
Is First Financial Bancorp. (FFBC) stock halal?▾
No. First Financial Bancorp. (FFBC) does not pass the AAOIFI Shari’ah Standard 21 screen. Its main business is conventional banking, lending or insurance (SEC industry code 6021 (National Commercial Banks)), which AAOIFI Shari’ah Standard 21 excludes (3/4/1). Last checked 18 September 2026.
What is First Financial Bancorp.'s debt ratio under Islamic finance standards?▾
Under AAOIFI Shari’ah Standard 21, interest-bearing debt must stay under 30% of a company's 36-month average market value. First Financial Bancorp.'s ratio is about 43.5%.
How much dividend purification is required for First Financial Bancorp. (FFBC) stock?▾
First Financial Bancorp. does not pass the screen, so purification does not apply: the standard does not permit holding it.
Does First Financial Bancorp. operate in prohibited business activities?▾
AAOIFI Shari’ah Standard 21 excludes companies whose main business is prohibited, such as alcohol, pork, gambling, conventional interest-based finance and adult entertainment. First Financial Bancorp.'s main business is checked against these. For companies that file with the US SEC, revenue by division is also read from the filing, so a division in a prohibited business is counted. Where the check cannot be settled, the result is shown as Needs Review rather than guessed.
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