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Dec 31, 2025
First Financial Q4 2025 Earnings Report
First Financial Bancorp announced record fourth quarter and full year 2025 financial results.
Key Takeaways
First Financial Bancorp reported a record fourth quarter with earnings per diluted share of $0.64 and adjusted earnings per diluted share of $0.80. The company achieved record revenue of $251.3 million and record noninterest income of $77.3 million on an adjusted basis. The Westfield acquisition closed in November 2025, contributing to significant loan and deposit growth.
Earnings per diluted share reached $0.64, with an adjusted $0.80 marking a Company record.
Record revenue of $251.3 million and record noninterest income of $77.3 million were achieved on an adjusted basis.
The Westfield acquisition closed on November 1, 2025, contributing to a 4% annualized loan growth and $1.6 billion in acquired loans.
The Board of Directors approved a quarterly dividend of $0.25 per common share.
Revenue by Segment
Forward Guidance
The company anticipates continued growth and strong financial performance, leveraging recent acquisitions and strategic initiatives.
Positive Outlook
- Anticipated benefits from the BankFinancial acquisition, which closed January 1, 2026.
- Continued robust net interest margin, supported by diligent management of funding costs.
- Strong performance in noninterest income, particularly in wealth management and foreign exchange.
- Commitment to creating opportunities for lower income communities, as evidenced by the second consecutive Outstanding CRA rating.
- Recognition as a Gallup Exceptional Workplace, indicating strong employee engagement and performance.
Challenges Ahead
- Potential impact of short-term rate reductions on net interest margin, though partially offset by lower funding costs.
- Uncertainties and risks associated with economic, market, liquidity, credit, interest rate, operational, and technological factors.
- Challenges related to the integration of acquired companies and the realization of anticipated benefits.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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