First Financial Bancorp. (FFBC)
NASDAQ:FFBC
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Earnings Data
Report Date
Jul 23, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.78Last Year’s EPS
0.73Same Quarter Last Year
Moderate Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive performance: materially stronger earnings, resilient margin, record fee income, successful acquisitions and improving capital metrics outweighed the key challenges of ICRE payoff-driven loan pressure, a modest rise in net charge-offs tied to one relationship, and competitive/market uncertainties. Management provided constructive guidance for Q2 (mid-single-digit annualized loan growth, stable NIM, fee income and expense targets) and clear plans for deploying cash, realizing acquisition cost savings, and returning capital to shareholders.Company Guidance
Strong Adjusted Earnings
Adjusted net income of $80.5 million, adjusted EPS of $0.77, up 22% year-over-year; adjusted ROA of 1.45% and adjusted return on tangible common equity of ~19.2%.
Robust Net Interest Margin
Net interest margin of 3.99%, up 1 basis point sequentially; cost of funds declined ~13 bps while asset yields declined ~12 bps, providing margin resiliency assuming no Fed rate cuts.
Record and Elevated Fee Income
Adjusted noninterest income / fee income of ~$75.6–76.0 million, up 24% year-over-year, driven by record wealth management, record leasing income, strong client derivative income and foreign exchange.
Acquisition Progress and Transaction Gains
Closed BankFinancial acquisition and Westfield conversion; $228 million of loans acquired; recognized an $8.9 million gain on bargain purchase related to BankFinancial; conversion on pace with modeled cost savings.
Deposit Inflow and Liquidity
Total average deposits increased by $1.7 billion (including ~$1.2 billion from BankFinancial and full-quarter impact from Westfield); 20% of total deposits are noninterest-bearing, supporting low-cost funding.
Capital and Shareholder Returns
Tangible book value per share $16.15, up 2.6% sequentially and 9% year-over-year; tangible common equity/TCE ~7.9%–7.88%; returned 35% of Q1 earnings via common dividend and Board authorized a $5 million share repurchase plan.
Expense Control and Acquisition Savings
Total noninterest expenses came in below expectations; acquisition-related cost savings exceeded initial estimates with full Westfield savings expected by Q3 and BankFinancial savings by Q4.
Positive Outlook and Guidance
Q2 outlook: mid-single-digit annualized loan growth, NIM expected to hold in 3.99%–4.04% range (assuming no Fed cuts), fee income guided to $75M–$77M, noninterest expense guided to $151M–$154M; management expects credit costs to approximate Q1 levels.
Workplace Recognition
First Financial received the Gallup Exceptional Workplace Award for associate engagement for the second consecutive year, highlighting strong employee engagement.
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 |
|---|---|---|---|
Apr 23, 2026 | $29.86 | $30.58 | +2.41% |
Feb 02, 2026 | $28.91 | $29.20 | +0.99% |
Oct 23, 2025 | $23.86 | $23.64 | -0.95% |
Jul 24, 2025 | $23.17 | $24.16 | +4.28% |
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 Jul 23, 2026, After Close (Confirmed).
What is First Financial Bancorp. (FFBC) earnings time?
First Financial Bancorp. (FFBC) earnings time is at Jul 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 FFBC EPS forecast?
FFBC EPS forecast for the fiscal quarter 2026 (Q2) is 0.78.