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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 3 months)
Revenue estimate$270.8M
EPS estimate$0.82

Financials

Q4 2025

Income statement

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

Balance sheet

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

Cash flow

See full
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

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

Returns & leverage

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

Versus estimates

Revenue

Q2 2026$264.2MMiss by $6.1MQ1 2026$271.5MBeat by $13.6M
Q4 2025$238.8MMiss by $10.2M
Q3 2025$255.8MBeat by $26.1MQ2 2025$226.3MBeat by $2.0MQ1 2025$200.4MMiss by $14.6M

Diluted EPS

Q2 2026$0.80Beat by $0.02Q1 2026$0.77Beat by $0.07
Q4 2025$0.80Beat by $0.01
Q3 2025$0.76Beat by $0.03Q2 2025$0.74Beat by $0.05Q1 2025$0.63In line

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Questions, answered.

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.