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First Financial Bancorp (FFBC) investor relations material
First Financial Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Adjusted net income for Q3 2025 was $72.6 million, with reported net income of $71.9 million, up from $52.5 million in Q3 2024; adjusted EPS was $0.76 and diluted EPS was $0.75, with record revenue and noninterest income driven by robust net interest margin and fee businesses.
Asset quality remained stable, with non-performing assets flat at 0.41% of total assets and annualized net charge-offs at 0.18%, a slight improvement from the previous quarter.
Tangible book value per share rose to $16.19, up 5% from the prior quarter and 14% year-over-year; tangible common equity ratio increased to 8.87%.
Return on average assets was 1.54% for Q3 2025; return on average equity was 11.08% and return on average tangible common equity was 19.11%.
Announced and/or completed acquisitions of Westfield Bancorp and BankFinancial Corporation, expanding presence in Chicago and Northeast Ohio.
Financial highlights
Net interest margin was 4.02% in Q3 2025, down three basis points from the prior quarter; net interest income was $160.5 million, up 1.4% sequentially.
Fee income reached a record $73.6 million, led by leasing and foreign exchange businesses; noninterest income was $73.5 million, up 8% sequentially.
Noninterest expenses increased due to higher incentive compensation tied to strong fee income, totaling $134.3 million for Q3 2025.
Average deposit balances increased $157 million, driven by brokered CDs and money market accounts.
Average loan balances increased $11.9 million sequentially, but end-of-period loan balances decreased $71.6 million, mainly due to declines in certain portfolios.
Outlook and guidance
Q4 loan growth expected in the mid-single digits annualized, excluding Westfield; strong commercial and Summit verticals to drive growth.
Net interest margin projected between 3.92% and 3.97%, assuming two 25 basis point rate cuts.
Fee income guidance for Q4 is $77–$79 million, with $18–$20 million from FX and $21–$23 million from leasing.
Noninterest expense expected at $142–$144 million, including $8 million from Westfield.
Most cost savings from Westfield integration expected to materialize by mid-2026; further workforce efficiencies anticipated post-acquisitions.
Detail expected synergies from Westfield acquisition
What drives Q4 mid-single digit loan growth confidence?
Quantify future expense savings from FTE reductions
NDFI loan portfolio details and risk profile
Post-acquisition capital strategy and buyback plans
Deposit cost management with growth and acquisition liquidity
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Next First Financial Bancorp earnings date
Q4 202523 Jan, 2026
Next First Financial Bancorp earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
First Financial Bancorp is a bank holding company providing commercial and consumer banking services through its subsidiary, First Financial Bank. The company offers lending, deposit, wealth management, and treasury services primarily to clients in Ohio, Indiana, and Kentucky. Its operations support both individual and business customers. First Financial Bancorp is headquartered in Cincinnati, Ohio, and its shares are listed on the NASDAQ.
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