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First Financial Bancorp. (FFBC)
:FFBC
Earnings Data
Report Date
Jan 22, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.56Last Year’s EPS
0.68Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call presented a generally positive outlook with record revenue and stable asset quality. While there were challenges such as a decline in loan balances and increased noninterest expenses, the company's strong financial metrics and efficiency improvements indicate a robust performance. Future integration of pending acquisitions is expected to further improve efficiencies and growth.Company Guidance
Record Revenue and Net Interest Margin
Third quarter 2025 saw record revenue driven by robust net interest margin and record noninterest income. The net interest margin was reported at 4.02%.
Strong Financial Metrics
Adjusted net income was $72.6 million with an adjusted earnings per share of $0.76. Tangible book value per share increased 5% from the linked quarter and 14% from a year ago.
Efficiency Improvements
Total noninterest expenses were flat compared to the second quarter, and the workforce efficiency efforts reduced full-time equivalents by approximately 200 or 9% over two years.
Stable Asset Quality
Nonperforming assets remained flat, and annualized net charge-offs improved slightly, standing at 18 basis points.
Positive Capital Position
Tangible common equity increased 47 basis points to 8.87%, with capital ratios in excess of both internal and regulatory targets.
FFBC 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
FFBC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 23, 2025 | $24.32 | $24.09 | -0.95% |
Jul 24, 2025 | $23.61 | $24.62 | +4.28% |
Apr 24, 2025 | $23.54 | $22.49 | -4.46% |
Jan 23, 2025 | $27.21 | $26.96 | -0.92% |
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. (FFBC) report earnings?
First Financial Bancorp. (FFBC) is schdueled to report earning on Jan 22, 2026, After Close (Confirmed).
What is First Financial Bancorp. (FFBC) earnings time?
First Financial Bancorp. (FFBC) earnings time is at Jan 22, 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 FFBC EPS forecast?
FFBC EPS forecast for the fiscal quarter 2025 (Q4) is 0.56.