FIRST FINANCIAL BANCORP /OH/ (FFBC) Form 8-K — Oct 27, 2026
First Financial Bancorp (FFBC) reported record third quarter 2026 results, with net income of $81.2 million, diluted EPS of $0.77, and adjusted EPS of $0.84 — an 11% increase from Q3 2025 and the highest in company history. 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 approved a $0.26 quarterly dividend payable December 15, 2026. The company also received Federal regulatory approval for its acquisition of Finward Bancorp, with closing expected January 1, 2027, subject to state regulatory and Finward shareholder approvals.
Key figures
- Eps
- 0.77
- Revenue
- 273900000
- Net Income
- 81182000
- Shares Outstanding
- 105188323
- Roa
- 1.44%
- Aoci
- -$387.1 million
- Loans
- $13.9 billion
- Rotce
- 18.67%
- Nim fte
- 4.07%
- Deposits
- $17.7 billion
- Acl total
- 209800000
- Npa ratio
- 0.45%
- Acl to loans
- 1.38%
- Adjusted eps
- 0.84
- Adjusted roa
- 1.56%
- Total assets
- $22.3 billion
- Adjusted rotce
- 20.19%
- Net charge offs
- $7.2 million (21 bps annualized)
- Q4 guidance nim
- 4.08% - 4.12%
- Efficiency ratio
- 60.5%
- Dividend per share
- 0.26
- Noninterest income
- 77658000
- Adjusted net income
- 87804000
- Noninterest expense
- 165736000
- Q4 guidance expense
- $150 - 153 million
- Shareholders equity
- $2.9 billion
- Total capital ratio
- 15.83%
- Nine month diluted eps
- 2.21
- Q4 guidance fee income
- $75 - 78 million
- Classified assets ratio
- 1.26%
- Adjusted efficiency ratio
- 57.3%
- Tier1 common equity ratio
- 12.54%
- Loan growth linked quarter
- $170.2 million (4.9% annualized)
- Adjusted noninterest income
- 77602000
- Adjusted noninterest expense
- 156879000
- Tangible common equity ratio
- 7.81%
- Deposit growth linked quarter
- $52.4 million (1.2% annualized)
- Tangible book value per share
- 15.65
AI analysis
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