FIRST FINANCIAL BANCORP /OH/

Listed Company

FFBCCIK 0000708955NasdaqLarge AcceleratedNational Commercial BanksOhioFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$255.60M

Total Assets

$21.13B

Equity

$2.77B

Shares Out

104.93M

Op. Cash Flow

$337.86M

FFBC$35.72+43.28% · past yearDBEQ Basic

Daily closing prices

Business

First Financial Bancorp is a regional bank holding company that provides commercial banking, real estate lending, consumer financing, and wealth management services through its subsidiary First Financial Bank and specialized lending divisions. The company offers deposit products, trust services, and operates niche lending businesses including equipment financing, premium insurance financing, foreign exchange services, and restaurant franchisee lending across Ohio, Indiana, Kentucky, Illinois and nationwide. First Financial serves individuals and small to medium-sized businesses through community banking centers, ATMs, digital channels and specialized lending platforms in metropolitan and non-metropolitan markets.

Summary from 10-K filed 2026-02-19

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans and leases, including fees	819	837	744	459	386
Taxable	148	125	126	102	79
Tax-exempt	9	11	14	18	18
Total interest on investment securities	157	136	139	121	98
Other earning assets	26	30	20	5	147,000
Total interest income	1,002	1,002	903	585	483
Deposits	311	331	202	28	14
Short-term borrowings	25	39	53	19	198,000
Long-term borrowings	24	20	20	19	16
Total interest expense	360	390	275	66	—
Net interest income	642	612	628	519	452
Provision for credit losses - loan and lease	37	49	43	7	—
Provision for Other Credit Losses	1	−2	33,000	5	—
Net interest income after provision for credit losses	604	564	585	507	470
Service charges on deposit accounts	31	29	27	28	32
Investment Banking, Advisory, Brokerage, and Underwriting Fees and Commissions	33	29	26	24	24
Bankcard income	14	14	14	14	14
Client derivative fees	8	5	5	5	8
Foreign exchange income	66	56	54	55	45
Operating Lease, Lease Income	80	68	51	32	0
Net gains from sales of loans	25	18	13	15	33
Net gain (loss) on investment securities	−22	−23	−1	−1	−759,000
Other	23	27	22	18	16
Total noninterest income	257	224	212	190	172
Salaries and employee benefits	316	304	293	269	246
Net occupancy	24	23	23	22	22
Furniture and equipment	15	14	14	13	14
Data processing	38	35	36	34	31
Marketing	10	9	10	9	8
Communication	3	3	3	3	3
Professional services	15	14	10	10	12
Amortization of tax credit investments	1	14	1	24	—
State intangible tax	6	3	4	4	4
FDIC assessments	11	11	12	7	6
Intangible amortization	11	9	10	11	10
Operating Lease, Expense	54	44	33	20	0
Other	37	34	31	29	45
Total noninterest expenses	541	520	478	455	401
Income before income taxes	321	268	319	242	241
Income tax expense	66	39	63	24	36
Net income	256	229	256	218	205
Basic	2.68	2.42	2.72	2.33	2.16
Diluted	2.66	2.4	2.69	2.3	2.14
Average common shares outstanding - basic	95	94	94	94	95
Average common shares outstanding - diluted	96	95	95	95	96

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	179	174	213	208	220
Interest-bearing deposits with other banks	597	730	793	388	215
Investment Securities, Available-for-sale	3,972	3,184	3,021	3,410	4,208
Investment securities held-to-maturity (fair value $54,334 at December 31, 2025 and $68,989 at December 31, 2024)	59	77	80	84	98
Other investments	130	115	130	143	103
Loans held for sale, at fair value	17	13	9	8	29
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	13,400	11,800	10,933	—	—
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	−186	−157	−141	−133	−132
Net loans and leases	13,238	11,605	10,792	—	—
Premises and equipment	205	198	—	—	193
Operating Lease	214	209	153	92	61
Goodwill	1,100	1,008	1,006	1,002	1,001
Other intangibles	119	79	84	—	—
Accrued interest and other assets	1,302	1,178	1,057	1,221	940
Interest-bearing demand	3,361	3,096	2,993	3,037	3,199
Savings	5,974	4,949	4,331	3,828	4,157
Time	3,622	3,152	2,718	1,701	1,330
Total interest-bearing deposits	12,956	11,197	10,043	8,566	8,686
Total assets	21,129	18,570	17,533	17,003	16,329
Noninterest-bearing	3,465	3,132	3,318	4,135	4,186
Total deposits	16,422	14,329	13,361	12,701	12,872
FHLB short-term borrowings	675	625	800	1,130	225
Other Short-term Borrowings	332,000	130	138	157	20
Total short-term borrowings	675	755	938	1,287	296
Long-term debt	514	348	344	347	410
Total borrowed funds	1,189	1,103	1,282	1,634	706
Accrued interest and other liabilities	749	700	622	627	492
Total liabilities	18,360	16,132	15,265	14,962	14,070
Common stock - no par value	1,648	1,642	1,639	1,635	1,640
Retained earnings	1,437	1,276	1,137	968	837
Accumulated other comprehensive income (loss)	−190	−290	−310	−359	−433,000
Treasury stock, at cost, 5,760,068 shares in 2025 and 8,786,954 shares in 2024	−126	−191	−198	−203	−218
Total shareholders' equity	2,769	2,438	2,268	2,041	2,259
Total liabilities and shareholders equity	21,129	18,570	17,533	17,003	16,329
Common Stock, Shares Authorized	160	160	160	160	160
Common Stock, Shares, Issued	104	104	104	104	104

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Provision for credit losses	38	48	43	12	−18
Depreciation and amortization	32	30	30	31	32
Stock-based compensation expense	16	16	15	13	10
Pension expense (income)	9	6	4	2	3
Net amortization (accretion) on investment securities	−3	3	7	13	29
Net (gain) loss on investments securities	22	23	1	1	759,000
Originations of loans held for sale	−588	−421	−294	−369	−795
Proceeds from sales of loans held for sale	610	435	303	375	825
Deferred income taxes	19	21	13	−4	12
Operating Lease, Expense	8	8	8	8	7
Operating Lease, Payments	−9	−8	−8	−8	−7
Life Insurance, Corporate or Bank Owned, Change in Value	6	4	5	2	2
Decrease (increase) in interest receivable	3	5	−10	−19	6
(Decrease) increase in interest payable	−5	−8	40	7	−2
Decrease (increase) in other assets	−44	−172	159	−226	138
(Decrease) increase in other liabilities	7	71	−63	164	−24
Net cash provided by (used in) operating activities	338	262	487	201	388
Proceeds from Sale of Debt Securities, Available-for-sale	752	353	92	277	375
Proceeds from calls, paydowns and maturities of securities available-for-sale	655	483	441	704	1,139
Payments to Acquire Debt Securities, Available-for-sale	−1,794	−981	−97	−642	−2,418
Proceeds from calls, paydowns and maturities of securities held-to-maturity	19	4	4	15	35
Proceeds from Sale of Other Investments	20	12	0	0	—
Proceeds from Maturities, Prepayments and Calls of Other Investments	52	55	30	8,000	42
Purchases of other investment securities	−75	−48	−16	−41	−11
Net decrease (increase) in interest-bearing deposits with other banks	133	63	−405	−173	−195
Payments for (Proceeds from) Other Loans and Leases	98	769	666	987	−503
Proceeds from Sale of Other Real Estate	166,000	136,000	288,000	192,000	1
Purchases of premises and equipment	−21	−21	−24	−14	−15
Net change in operating leases	−5	−56	−61	−29	0
Payment to Acquire Life Insurance Policy, Investing Activities	175,000	0	0	—	—
Proceeds from Life Insurance Policy	2	5	5	7	2
Net cash acquired (paid) in business combinations	−187	−97	−4	0	−109
Net cash provided by (used in) investing activities	−547	−1,000	−701	−883	−510
Net (decrease) increase in total deposits	302	968	660	−171	640
Net (decrease) increase in short-term borrowings	−159	−182	−349	991	130
Proceeds from (Repayments of) Other Long-Term Debt	−131	3	−3	−64	—
Proceeds from Issuance of Subordinated Long-term Debt	300	0	0	—	—
Payments of Debt Issuance Costs	−4	0	0	—	—
Cash dividends paid on common stock	−95	−90	−87	−87	−87
Proceeds from exercise of stock options	0	0	48,000	177,000	64,000
Net cash provided by (used in) financing activities	213	699	220	670	111
Net (decrease) increase in Cash and due from banks	4	−39	6	−13	−11
Interest paid	365	398	235	60	33
Income taxes paid	9	28	10	6	18
Acquisition of other real estate owned through foreclosure	333,000	119,000	387,000	327,000	98,000
Issuance of restricted stock awards	15	14	13	22	12
Goodwill	92	2	4	800,000	63

Filings

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Frequently asked questions

What is FIRST FINANCIAL BANCORP /OH/'s CIK number?

FIRST FINANCIAL BANCORP /OH/'s SEC CIK number is 0000708955 (708955). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find FIRST FINANCIAL BANCORP /OH/'s SEC filings?

All of FIRST FINANCIAL BANCORP /OH/'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did FIRST FINANCIAL BANCORP /OH/ last report earnings?

FIRST FINANCIAL BANCORP /OH/ (FFBC) most recently filed an earnings 8-K with the SEC on Apr 23, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000708955-26-000088). This is FIRST FINANCIAL BANCORP /OH/'s most recent earnings filing of record — not a forecast of its next earnings date.

What is FIRST FINANCIAL BANCORP /OH/'s most recent earnings 8-K?

FIRST FINANCIAL BANCORP /OH/'s latest earnings 8-K (Item 2.02) was filed Apr 23, 2026 under accession 0000708955-26-000088. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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