The earnings call highlighted strong financial performance with record revenue, robust net interest margin, and increased noninterest income, while addressing challenges in commercial real estate loan growth and a slight increase in nonperforming assets. The sentiment leans positive due to the predominance of strong financial metrics and strategic growth initiatives.

Company Guidance

During the Second Quarter 2025 Earnings Conference Call for First Financial Bancorp, the company reported strong financial performance. They achieved record revenue of $226.3 million, marking a 5% increase from the previous year, and adjusted earnings per share of $0.74. Return on assets was reported at 1.54%, and return on tangible common equity stood at 20%. The net interest margin was robust at 4.05%, a 17 basis point increase from the prior quarter. Loan growth was modest at 2% on an annualized basis, with a notable decline in commercial real estate due to higher payoffs. Adjusted noninterest income increased by 11% over the previous quarter to $67.8 million, driven by significant growth in mortgage, bankcard, leasing, and foreign exchange income. Asset quality was stable, with net charge-offs declining 15 basis points to 21 basis points of total loans. Tangible common equity grew 16% over the previous year to 8.4%, and the tangible book value per share increased to $15.40, reflecting a 4% rise from the linked quarter. The board approved a 4.2% increase in the common dividend to $0.25, maintaining a dividend payout of approximately 35% of net income.

Record Revenue and Profitability

Achieved record revenue of $226.3 million, a 5% increase over the same quarter last year, with adjusted earnings per share of $0.74, return on assets of 1.54%, and return on tangible common equity of 20%.

Strong Net Interest Margin

Net interest margin remained strong at 4.05%, a 17 basis point increase from the first quarter, driven by declining funding costs and increased asset yields.

Increased Noninterest Income

Adjusted noninterest income increased 11% over the linked quarter and 10% over the second quarter of 2024, with broad-based growth in fees, including mortgage, bankcard, leasing business, and foreign exchange income.

Tangible Common Equity Growth

Tangible common equity increased 16% over last year to 8.4%, with tangible book value per share increasing 4% from the linked quarter and 19% over the same period last year.

Dividend Increase

Board of Directors approved a $0.01 or 4.2% increase in the common dividend to $0.25, with dividend payout remaining approximately 35% of net income.

First Financial Bancorp (FFBC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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FFBC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.75 / -	0.55	―	―	―
Jul 24, 2025	2025 (Q2)	0.68 / 0.73	0.64	14.06% (+0.09)	―
Apr 24, 2025	2025 (Q1)	0.63 / 0.54	0.53	1.89% (+0.01)	―
Jan 23, 2025	2024 (Q4)	0.65 / 0.68	0.6	13.33% (+0.08)	―
Oct 24, 2024	2024 (Q3)	0.66 / 0.55	0.66	-16.67% (-0.11)	―
Jul 25, 2024	2024 (Q2)	0.59 / 0.64	0.69	-7.25% (-0.05)	―
Apr 25, 2024	2024 (Q1)	0.59 / 0.53	0.74	-28.38% (-0.21)
Jan 25, 2024	2023 (Q4)	0.60 / 0.60	0.73	-17.81% (-0.13)
Oct 24, 2023	2023 (Q3)	0.67 / 0.66	0.59	11.86% (+0.07)
Jul 20, 2023	2023 (Q2)	0.70 / 0.69	0.55	25.45% (+0.14)	―

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
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%
Oct 24, 2024	$24.52	$23.51	-4.12%

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 Oct 23, 2025, After Close (Confirmed).

What is First Financial Bancorp. (FFBC) earnings time?

First Financial Bancorp. (FFBC) earnings time is at Oct 23, 2025, 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 (Q3) is 0.75.

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