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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
First Financial Bancorp
First Financial Bancorp (FFBC) investor relations material
First Financial Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary28 Oct, 2026
Executive summary
Record Q3 revenue was $273.9M; adjusted net income was $87.8M and adjusted diluted EPS was $0.84, up 11% YoY and a quarterly record.
GAAP net income was $81.2M, or $0.77 per diluted share; FTE NIM rose 9 bps QoQ to 4.07%.
Net loans grew $170.2M QoQ; regulatory approval was received for the planned Finward acquisition.
Financial highlights
Net interest income was $196.3M, up 22.3% YoY; FTE net interest income was $197.4M.
Adjusted fee income reached a record $77.6M, 28% of revenue; GAAP noninterest income was $77.7M.
Noninterest expense was $165.7M GAAP and $156.9M adjusted; adjusted expenses rose 5.2% QoQ.
The efficiency ratio was 60.5% GAAP and 57.3% adjusted; adjusted results excluded acquisition and other nonrecurring costs.
Outlook and guidance
Q4 NIM guidance is 4.08%-4.12%, assuming a 25 bps December rate hike; it includes 6 bps of loan accretion versus 10 bps in Q3.
Q4 adjusted fee income is expected at $75M-$78M, including $18M-$20M from FX and $21M-$23M from leasing; noninterest expense is forecast at $150M-$153M.
Loan growth is expected in the low- to mid-single digits and core deposits in the low-single digits; healthy pipelines support continued loan growth through year-end 2026.
Credit costs and ACL coverage are expected to remain stable; expenses are expected to moderate as Q3 incentive, healthcare and collection costs ease.
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Latest events from First Financial Bancorp
- Record adjusted EPS, strong loan growth, and Finward acquisition drive robust Q2 results.FFBC
Q2 2026 - All board nominees and proposals were approved, with results to be filed with the SEC.FFBCAGM 2026
- Q1 2026 saw strong earnings, margin resilience, and record fee income, with a positive outlook.FFBCQ1 2026
- Virtual meeting to vote on directors, auditor, stock plan, and executive pay amid record results.FFBCProxy filing
- Record earnings, strong loan growth, and robust capital ratios highlight a successful 2025.FFBCQ4 2025
- $325M deal expands Midwest presence, boosts EPS, and delivers 40% cost savings.FFBCM&A Announcement
- Adjusted EPS $0.67, strong capital, and stable margins despite securities losses.FFBCQ3 2024
- Q1 2025 net income $51.3M, strong capital, stable credit, and record wealth management revenue.FFBCQ1 2025
- Q4 net income rose, record noninterest income, strong loan and deposit growth, stable credit.FFBCQ4 2024
Next First Financial Bancorp earnings date
Q4 202628 Jan, 2027
First Financial Bancorp
Next First Financial Bancorp earnings date
Q4 202628 Jan, 2027
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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.