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Reported July 21, 2026 · After market close

Revenue$264.2MMiss by $6.1M
EPS$0.80Beat by $0.02
Revenue estimate$270.3M
EPS estimate$0.78
We have built an impressive combination of retail and commercial banking services, wealth management services, and specialty banking solutions, complemented by our client-centered, community-focused business model, that offers an alternative to larger banks. To demonstrate our further commitment to Chicago and Northwest Indiana, First Financial has committed to donate $500,000 to its Foundation for the benefit of local organizations in the communities served by Finward, in addition to the $1 million we donated to the Foundation when we entered the Chicago market with the completed acquisition of BankFinancial Corporation in January 2026.
Archie Brown

Next report

Oct 22, 2026 (in a month)
Revenue estimate$270.8M
EPS estimate$0.82

Financials

Q2 2026

Income statement

See full
Revenue$264.2M+16.7%
Net income$76.5M+9.2%
EPS (diluted)$0.730.0%

Balance sheet

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Total debt$2.2B-8.9%
Total equity$3.0B+16.8%
Total assets$22.4B+20.4%

Cash flow

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Operating cash flow$31.4M-55.0%
CapEx$10.3M+108%
Free cash flow$21.1M-67.5%

Valuation & ratios

Valuation

as of 09/16/26
See full
Market cap$3.43B+42.3%
P/E12×+1.9×
P/S3.4×+0.6×

Profitability

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Net margin28.3%+0.3pp
FCF margin75%+43.5pp

Returns & leverage

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Return on equity10.3%+0.5pp
Debt / equity0.7×-0.2×

FAQ

When did First Financial Bancorp report Q2 2026 earnings?
First Financial Bancorp (FFBC) reported Q2 2026 earnings on July 21, 2026 after market close.
What were First Financial Bancorp's Q2 2026 revenue and EPS?
First Financial Bancorp reported revenue of $264.2M and eps of $0.80 for Q2 2026.
Did First Financial Bancorp beat estimates in Q2 2026?
Revenue missed the consensus estimate of $270.3M by $6.1M. EPS beat the consensus estimate of $0.78 by $0.02.
How did First Financial Bancorp's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 16.7% from $226.3M a year earlier and eps grew 8.1% from $0.74.
Where can I find First Financial Bancorp's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001104659-26-085424) and the 10-Q periodic report (0000708955-26-000144) directly on SEC EDGAR. The filing index links above go to sec.gov.