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First Financial Bancorp FFBC Q4 2025 Annual earnings

Reported January 28, 2026 · After market close

Revenue$238.8MMiss by $10.2M
EPS$0.80Beat by $0.01
Revenue estimate$248.9M
EPS estimate$0.79

Next report

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

Financials

Q4 2025

Income statement

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Revenue$238.8M+6.5%
Net income$62.4M-3.8%
EPS (diluted)$0.64-5.9%

Balance sheet

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Total debt$2.6B+2.1%
Total equity$2.8B+13.6%
Total assets$21.1B+13.8%

Cash flow

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Operating cash flow$122.2M+64.9%
CapEx$8.0M+14.7%
Free cash flow$114.1M+70.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$2.47B-4.0%
Enterprise value$5.06B-0.9%
P/E9.6×-1.6×
P/S2.7×-0.3×

Profitability

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Net margin28.4%+1.0pp
FCF margin35.3%+6.4pp

Returns & leverage

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Return on equity9.8%+0.1pp
Debt / equity0.9×-0.1×

FAQ

When did First Financial Bancorp report Q4 2025 earnings?
First Financial Bancorp (FFBC) reported Q4 2025 earnings on January 28, 2026 after market close.
What were First Financial Bancorp's Q4 2025 revenue and EPS?
First Financial Bancorp reported revenue of $238.8M and eps of $0.80 for Q4 2025.
Did First Financial Bancorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $248.9M by $10.2M. EPS beat the consensus estimate of $0.79 by $0.01.
How did First Financial Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.5% from $224.3M a year earlier and eps grew 12.7% from $0.71.
Where can I find First Financial Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000708955-26-000009) and the 10-K periodic report (0000708955-26-000028) directly on SEC EDGAR. The filing index links above go to sec.gov.