First Financial Bancorp. (DE:FI5)
NASDAQ:FI5
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Earnings Data
Report Date
Apr 23, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.52Last Year’s EPS
0.46Same Quarter Last Year
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Overall the call conveyed strong operating performance and several record results (earnings, fee income, revenue) driven by organic growth and acquisitions, while acknowledging near-term integration costs, modest margin pressure, seasonal fee variability, and small upticks in NPAs and charge-offs. Management provided constructive guidance for loan growth (6%–8% organic for the year) and expects acquisition-related cost savings to be realized later in 2026.Company Guidance
Record Quarterly Earnings and Strong Profitability
Adjusted EPS of $0.80 in Q4; adjusted return on assets of 1.52% and adjusted return on tangible common equity of ~20.3% for the quarter.
Robust Full-Year Financial Performance
Adjusted 2025 net income of $281 million ($2.92 per share); adjusted ROA 1.49% and adjusted ROTCE 19.3% for the full year.
Net Interest Margin Resilience
NIM remained strong at 3.98% (Q4); management offset most of short-term rate decreases through deposit cost management despite a modest q/q NIM decline.
Record Fee and Noninterest Income
Q4 adjusted fee income of $77.3 million (record quarter, +5% linked quarter); full-year adjusted noninterest income up 16% to a record $280 million.
Revenue and Loan/Deposit Growth
Record revenue of nearly $922 million for 2025 (+8% vs 2024). Loan balances increased $1.7 billion in Q4 (including $1.6 billion from Westfield); organic loan growth of $131 million (4% annualized). Total average deposits increased ~7% annualized excluding Westfield; organic deposit growth of $264 million in Q4.
Improved Credit Metrics Year-over-Year
Full-year provision expense declined 21% vs 2024; net charge-offs as a percent of average loans improved by 5 basis points to 25 bps for the year; ACL coverage increased ~6 bps to 1.39% of loans.
Capital and Shareholder Returns
Tangible book value per share increased 11% to $15.74; capital ratios remain above regulatory and internal targets; returned ~40% of earnings to shareholders via common dividend in the period.
Strategic M&A and Market Expansion
Completed Westfield acquisition (adds ~ $1.6B loans) and closed Bank Financial; launched Western Michigan banking office in Grand Rapids; acquisitions strengthen funding and expand presence in major Midwest metros.
Liquidity and Funding Actions
Issued $300 million subordinated debt (10-year, 6.375%) to support capital and liquidity.
Reputation and Community Recognition
Received second consecutive outstanding CRA rating and recognized by Gallup as an exceptional workplace (one of ~70 companies worldwide).
DE:FI5 Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
DE:FI5 Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 02, 2026 | €22.79 | €23.59 | +3.48% |
Oct 23, 2025 | €19.62 | €19.62 | 0.00% |
Jul 24, 2025 | €19.13 | €18.74 | -2.03% |
Apr 24, 2025 | €19.13 | €19.61 | +2.51% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does First Financial Bancorp. (DE:FI5) report earnings?
First Financial Bancorp. (DE:FI5) is schdueled to report earning on Apr 23, 2026, After Close (Confirmed).
What is First Financial Bancorp. (DE:FI5) earnings time?
First Financial Bancorp. (DE:FI5) earnings time is at Apr 23, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of First Financial Bancorp. stock?
The P/E ratio of First Financial Bancorp is N/A.
What is DE:FI5 EPS forecast?
DE:FI5 EPS forecast for the fiscal quarter 2026 (Q1) is 0.52.