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First Financial Bancorp FFBC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

First Financial Bankshares logo
First Financial BanksharesFFIN
$132.73M+10.1%
Simmons First National logo
Simmons First NationalSFNC
$183.19M+14.6%
JPMorgan Chase logo
JPMorgan ChaseJPM
$23B+12.9%
Huntington Bancshares logo
Huntington BancsharesHBAN
$1.92B+40.8%
KeyCorp logo
KeyCorpKEY
$1.12B+14.1%
Bank First Corporation logo
Bank First CorporationBFC
$55.03M+50.8%

Other financials

Income statement

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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

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Market cap$3.55B+56.2%
P/E12.4×+2.9×
P/S3.5×+0.9×

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×

Where this comes from

Reported directly by First Financial Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: First Financial Bancorp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 2:47 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000708955-26-000144
Line itemThree months ended / June 30, 2026Three months ended / June 30, 2025Six months ended / June 30, 2026Six months ended / June 30, 2025
Net interest income190,377158,269379,987307,565
Provision for credit losses - loans and leases12,9339,08418,96318,225
Provision for (recapture of) credit losses - unfunded commitments(4,743)718(2,233)277
Net interest income after provision for credit losses182,187148,467363,257289,063
Noninterest income
Service charges on deposit accounts8,8967,76617,90915,229
Wealth management fees8,2527,78718,73415,924
Bankcard income3,0323,7376,6127,047

Item 1. - Financial Statements

FAQ

What is First Financial Bancorp's net interest income (after provisions)?
First Financial Bancorp (FFBC) reported net interest income (after provisions) of $182.19M in Q2 2026.
How has First Financial Bancorp's net interest income (after provisions) changed year-over-year?
First Financial Bancorp's net interest income (after provisions) increased by 22.7% year-over-year, from $148.47M to $182.19M.
What is the long-term trend for First Financial Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), First Financial Bancorp's net interest income (after provisions) has grown at a 6.5% compound annual growth rate (CAGR), from $470.24M to $604.38M.
What does net interest income (after provisions) mean?
This metric represents net interest income adjusted for the provision for credit losses, which is the expense set aside to cover potential loan defaults. It provides a more accurate view of the bank's net interest profitability after accounting for the inherent credit risk in the loan portfolio.

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