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First Financial Bancorp (FFBC) investor relations material
First Financial Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Record quarterly revenue of $226.3M, up 5% year-over-year, with net income of $70.0M for Q2 2025, a 36.5% increase from Q1 2025, and adjusted EPS of $0.74.
Return on average assets was 1.52% for Q2 2025; return on tangible common equity reached 19.61%.
Board approved a 4.2% dividend increase to $0.25 per share, payable September 2025.
Announced acquisition of Westfield Bank/Bancorp for $325M, expected to close in Q4 2025, expanding presence in Northeast Ohio.
Completed Agile Premium Finance acquisition in February 2024 for $96.9M, adding specialty lending capabilities.
Financial highlights
Net interest margin (FTE) rose to 4.05%, up 17 bps from Q1 2025.
Noninterest income reached $68.1M, up 10.7% year-over-year and 11% sequentially, driven by strong mortgage, bankcard, and leasing income.
Noninterest expenses were $128.7M, up less than 1% sequentially; efficiency initiatives kept expense growth low.
Loan balances grew 2% annualized, with broad-based growth except for commercial real estate.
Tangible book value per share increased 4% sequentially and 19% year-over-year to $15.40.
Outlook and guidance
Loan growth expected in the low to mid-single digits annualized for Q3 and higher in the second half of 2025.
Net interest margin projected to remain strong at 4.00–4.05%, assuming a 25 bps rate cut in September.
Fee income guidance for Q3: $67M–$69M, with $14M–$16M from FX and $19M–$21M from leasing.
Noninterest expense expected between $128M–$130M.
Net charge-offs projected to remain in the 20–25 bps range for the remainder of the year.
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Next First Financial Bancorp earnings date
Q3 202524 Oct, 2025
Next First Financial Bancorp earnings date
Q3 202524 Oct, 2025
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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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