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Sep 30
First Financial Q3 2025 Earnings Report
reported strong third quarter results with record total revenue and robust profitability.
Key Takeaways
First Financial Bancorp delivered a strong third quarter, achieving record total revenue of $234 million and record noninterest income of $73.5 million. The company maintained a robust net interest margin and stable asset quality while growing tangible book value and capital ratios. Net income rose to $71.9 million, with adjusted EPS at $0.76.
Record total revenue of $234 million driven by diversified income streams.
Adjusted EPS of $0.76 and return on average assets of 1.54%.
Net interest margin on a fully tax-equivalent basis of 4.02%.
Tangible common equity ratio increased to 8.87%, with tangible book value per share up 5.1% from the prior quarter.
First Financial
First Financial
First Financial Revenue by Segment
First Financial Revenue by Geographic Location
Revenue by Segment
Wealth Management Revenue
CapyFin.comLeasing Business Revenue
CapyFin.comBankcard Income Revenue
CapyFin.comClient Derivative Fees Revenue
CapyFin.comForeign Exchange Revenue
CapyFin.comLoan Sales Gains Revenue
CapyFin.comDeposit Service Charges Revenue
CapyFin.comRevenue by Geographic Location
Ohio Revenue
CapyFin.comIndiana Revenue
CapyFin.comKentucky Revenue
CapyFin.comIllinois Revenue
CapyFin.com Forward Guidance
Management expects continued strong performance into the fourth quarter and anticipates closing its pending Westfield acquisition by November 1. Loan growth is expected to rebound to mid-single digits, supported by healthy pipelines and stable asset quality.
Positive Outlook
- Expected mid-single digit loan growth in Q4.
- Stable asset quality metrics with low charge-offs.
- Ongoing improvement in efficiency and workforce optimization.
- Strong capital position to support acquisitions and growth.
- Positive momentum heading into 2026.
Challenges Ahead
- Slight decline in loan balances during Q3.
- Moderate increase in noninterest expenses driven by incentive compensation.
- Continued funding cost pressures affecting net interest margin.
- Dependence on fee income sustainability in volatile markets.
- Potential integration risks from pending acquisitions.