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First Financial Bancorp
First Financial Bancorp (FFBC) investor relations material
First Financial Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved record adjusted earnings per share of $0.80 in Q4 and $2.92 for the full year 2025, with adjusted ROA of 1.52% and adjusted ROTCE of 20.3% in Q4.
Full-year adjusted net income reached $281 million, with record revenue of nearly $922 million, up 8% year-over-year.
Completed acquisitions of Westfield (Nov 2025) and BankFinancial (Jan 2026), expanding Midwest presence.
Launched a new banking office in Grand Rapids and received a second consecutive Outstanding CRA rating and Gallup Exceptional Workplace Award.
Board approved a quarterly dividend of $0.25 per share, payable March 16, 2026.
Financial highlights
Q4 net income was $62.4M ($0.64 per diluted share); full year net income was $255.6M ($2.66 per diluted share), up from $228.8M in 2024.
Net interest margin for Q4 was 3.98%, down 4 bps from Q3 but among the highest in the peer group.
Adjusted noninterest income reached $77.3M in Q4, up 5% sequentially, and $279.8M for the year, up 16% year-over-year.
Provision expense for the year declined 21% from 2024; net charge-offs as a percent of average loans declined to 25 bps.
Tangible book value per share increased 11% to $15.74.
Outlook and guidance
Projecting low single-digit organic loan growth (annualized) in Q1, ramping to 6%-8% for the full year, excluding acquisitions.
Net interest margin expected between 3.94%-3.99% in Q1, assuming a 25 bps rate cut in March.
Fee income guidance for Q1 is $71-$73 million, with foreign exchange and leasing contributing $14-$16 million and $19-$21 million, respectively.
Non-interest expense expected at $156-$158 million in Q1, with cost savings from acquisitions to materialize later in 2026.
Management expects continued strong performance, focusing on core funding, Midwest market growth, and disciplined expense management.
Acquisition impact on capital ratios post-Q4
NIM resilience drivers beyond Q4 funding costs
Details on the three loans driving NPA increase
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Next First Financial Bancorp earnings date
Q1 202624 Apr, 2026
First Financial Bancorp
Next First Financial Bancorp earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
First Financial Bancorp is a bank holding company providing commercial and consumer banking services through its subsidiary, First Financial Bank. The company offers lending, deposit, wealth management, and treasury services primarily to clients in Ohio, Indiana, and Kentucky. Its operations support both individual and business customers. First Financial Bancorp is headquartered in Cincinnati, Ohio, and its shares are listed on the NASDAQ.
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