The earnings call reflected strong financial performance with record revenue and profitability metrics, robust net interest margins, and stable asset quality. However, challenges included a decline in commercial real estate loans and a slight increase in non-performing assets. Overall, the highlights significantly outweigh the lowlights.

Company Guidance -

Q3 2025

During First Financial Bancorp's second quarter 2025 earnings call, guidance was provided with several key financial metrics. The company achieved record revenue of $226.3 million, a 5% increase from the previous year, with adjusted earnings per share at $0.74. The return on assets was 1.54%, and the return on tangible common equity was 20%. Loan growth was 2% on an annualized basis despite a decline in commercial real estate due to higher payoffs. Net interest margin increased to 4.05%, with a 17 basis point rise from the first quarter. Adjusted noninterest income rose to $67.8 million, an 11% increase over the linked quarter. Asset quality remained stable, with net charge-offs declining 15 basis points to 21 basis points of total loans. Tangible common equity grew 16% year-over-year to 8.4%, and tangible book value per share increased to $15.40. The Board approved a $0.01 increase in the common dividend to $0.25, maintaining a payout ratio of approximately 35% of net income. For the third quarter, the company anticipates loan growth in the low to mid-single digits on an annualized basis and expects the net interest margin to remain between 4% and 4.05%.

Record Revenue Achievement

First Financial Bancorp achieved a record revenue of $226.3 million, marking a 5% increase over the same quarter last year.

Strong Profitability Metrics

Adjusted earnings per share reached $0.74 with a return on assets of 1.54% and a return on tangible common equity of 20%.

Robust Net Interest Margin

The company maintained a strong net interest margin at 4.05%, a 17 basis point increase from the first quarter.

Growth in Noninterest Income

Adjusted noninterest income increased by 11% over the linked quarter and 10% over the second quarter of 2024, with significant growth in mortgage, bankcard, leasing business, and foreign exchange income.

Stable Asset Quality

Net charge-offs declined 42% to 21 basis points on an annualized basis, while classified asset balances remained relatively flat.

Strong Capital Levels

Tangible common equity increased by 16% over last year to 8.4%, and tangible book value per share increased to $15.40, a 19% increase over the same period last year.

Increased Dividends

The Board of Directors approved a 4.2% increase in the common dividend to $0.25, with the 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)	0.74 / -	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	$23.84	$24.86	+4.28%
Apr 24, 2025	$23.76	$22.70	-4.46%
Jan 23, 2025	$27.47	$27.21	-0.95%
Oct 24, 2024	$24.75	$23.73	-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 0.74.

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