First Financial Bancorp Announces Record Third Quarter Financial Results and Quarterly Dividend
First Financial Bancorp posted record Q3 2026 results with EPS of $0.77 ($0.84 adjusted), up 11% from Q3 2025 and the highest in company history, on record revenue of $273.9 million. Net interest margin expanded 9 bps to 4.07% FTE, loans grew $170.2 million (4.9% annualized), and adjusted noninterest income hit a record $77.6 million. The board raised the quarterly dividend to $0.26 per share, payable December 15. The company also received Federal regulatory approval for its Finward acquisition, expected to close January 1, 2027, pending state and Finward shareholder approvals.
Key figures
- Eps
- 0.77
- Revenue
- $273.9 million
- Guidance
- Low to mid single digit loan growth expected to close out 2026; expenses expected to moderate in Q4
- Roaa
- 1.44%
- Rotce
- 18.7%
- Net income
- 81182000
- Adjusted eps
- 0.84
- Adjusted roaa
- 1.56%
- Adjusted rotce
- 20.2%
- Efficiency ratio
- 60.5% (57.3% adjusted)
- Dividend per share
- 0.26
- Noninterest income
- 77658000
- Adjusted net income
- 87800000
- Net interest margin fte
- 4.07%
- Loan growth linked quarter
- $170.2 million (4.9% annualized)
- Deposit growth linked quarter
- $52.4 million (1.2% annualized)
- Tangible book value per share
- 15.65
AI analysis
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