•
Jun 30, 2024

First Financial Q2 2024 Earnings Report

Reported earnings per diluted share of $0.64 and record fee income of $61.5 million.

Key Takeaways

First Financial Bancorp reported a net income of $60.8 million, or $0.64 per diluted common share, for the three months ended June 30, 2024. The company experienced strong loan and average deposit growth, coupled with record noninterest income.

Earnings per diluted share were $0.64, or $0.65 on an adjusted basis.

Return on average assets was 1.38%, or 1.40% on an adjusted basis.

Net interest margin on FTE basis was 4.10%.

Record fee income reached $61.5 million.

Total Revenue
$215M
Previous year: $212M
+1.1%
EPS
$0.65
Previous year: $0.72
-9.7%
Total Capital Ratio
14.47%
Net Interest Margin
4.1%
Previous year: 4.43%
-7.4%
Gross Profit
$153M
Cash and Equivalents
$194M
Previous year: $217M
-10.9%
Free Cash Flow
$64.8M
Previous year: $99.3M
-34.8%
Total Assets
$18.2B
Previous year: $17.1B
+6.3%

First Financial

First Financial

Forward Guidance

Based on the outlook for loan growth and credit quality, the company expects provision to decline to levels approximating the first quarter in the coming periods.