)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
First Financial Bancorp
First Financial Bancorp (FFBC) investor relations material
First Financial Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved record adjusted earnings per share of $0.80 in Q4 and $2.92 for the full year 2025, with adjusted ROA of 1.52% and adjusted ROTCE of 20.3% in Q4.
Full-year adjusted net income reached $281 million, with record revenue of nearly $922 million, up 8% year-over-year.
Completed acquisitions of Westfield (Nov 2025) and BankFinancial (Jan 2026), expanding Midwest presence.
Launched a new banking office in Grand Rapids and received a second consecutive Outstanding CRA rating and Gallup Exceptional Workplace Award.
Board approved a quarterly dividend of $0.25 per share, payable March 16, 2026.
Financial highlights
Q4 net income was $62.4M ($0.64 per diluted share); full year net income was $255.6M ($2.66 per diluted share), up from $228.8M in 2024.
Net interest margin for Q4 was 3.98%, down 4 bps from Q3 but among the highest in the peer group.
Adjusted noninterest income reached $77.3M in Q4, up 5% sequentially, and $279.8M for the year, up 16% year-over-year.
Provision expense for the year declined 21% from 2024; net charge-offs as a percent of average loans declined to 25 bps.
Tangible book value per share increased 11% to $15.74.
Outlook and guidance
Projecting low single-digit organic loan growth (annualized) in Q1, ramping to 6%-8% for the full year, excluding acquisitions.
Net interest margin expected between 3.94%-3.99% in Q1, assuming a 25 bps rate cut in March.
Fee income guidance for Q1 is $71-$73 million, with foreign exchange and leasing contributing $14-$16 million and $19-$21 million, respectively.
Non-interest expense expected at $156-$158 million in Q1, with cost savings from acquisitions to materialize later in 2026.
Management expects continued strong performance, focusing on core funding, Midwest market growth, and disciplined expense management.
Acquisition impact on capital ratios post-Q4
NIM resilience drivers beyond Q4 funding costs
Details on the three loans driving NPA increase
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next First Financial Bancorp earnings date
Q1 202624 Apr, 2026
First Financial Bancorp
Next First Financial Bancorp earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage