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First Financial Bancorp FFBC Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

First Financial Bankshares logo
First Financial BanksharesFFIN
-$7.86M+17.3%
Simmons First National logo
Simmons First NationalSFNC
-$1.54M+61.4%
Bank First Corporation logo
Bank First CorporationBFC
$2.08M+190%
First Bancorp logo
First BancorpFNLC
-$125K+18.8%
Customers Bancorp logo
Customers BancorpCUBI
$1.2M+14.2%
Origin Bancorp logo
Origin BancorpOBK
-$212K+70.8%

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$3.53B+55.9%
P/E12.4×+2.9×
P/S3.5×+0.8×

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:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

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 itemSix months ended / June 30, 2026Six months ended / June 30, 2025
Depreciation and amortization25,64814,684
Stock-based compensation expense7,7958,464
Pension expense (income)4,4004,550
Net amortization (accretion) on investment securities(1,693)(989)
Net (gain) loss on investment securities1,5979,706
Gain on bargain purchase(12,081)0
Originations of loans held for sale(338,329)(257,106)
Net gains from sales of loans held for sale(12,705)(11,009)

Item 1. - Financial Statements

FAQ

What is First Financial Bancorp's accretion (amortization) of discounts and premiums, investments?
First Financial Bancorp (FFBC) reported accretion (amortization) of discounts and premiums, investments of $548K in Q2 2026.
How has First Financial Bancorp's accretion (amortization) of discounts and premiums, investments changed year-over-year?
First Financial Bancorp's accretion (amortization) of discounts and premiums, investments decreased by 18.0% year-over-year, from $668K to $548K.
What is the long-term trend for First Financial Bancorp's accretion (amortization) of discounts and premiums, investments?
Over 4 years (2021 to 2025), First Financial Bancorp's accretion (amortization) of discounts and premiums, investments has grown at a -42.1% compound annual growth rate (CAGR), from -$28.99M to $3.26M.
What does accretion (amortization) of discounts and premiums, investments mean?
Reflects the non-cash adjustment to interest income resulting from the amortization of premiums or accretion of discounts on investment securities. This adjustment aligns the carrying value of securities with their expected yield over time. It is essential for reconciling net income to cash flow from operations by removing non-cash yield impacts.

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