First Financial Bancorp. Q4 Earnings Call Highlights

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MarketBeat

Thu, January 29, 2026 astatine 11:12 AM CST 6 min read

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Record quarterly profitability: First Financial reported adjusted EPS of $0.80, adjusted ROA of 1.52% and ROTCE of 20.3%, with nett involvement borderline astatine 3.98% and first‑quarter 2026 NIM guided to 3.94%–3.99% assuming a 25bp March cut.
Westfield acquisition drove balance-sheet maturation and pushed expenses: The woody added $1.6B of loans and $1.8B of deposits (organic indebtedness maturation was $131M oregon 4% annualized), and acquisition-related costs lifted adjusted non‑interest disbursal ~6%, with Q1 disbursal guidance of $156M–$158M including astir $11M from Westfield and $10M from BankFinancial.
Record interest income and outlook for growth: Adjusted interest income deed a quarterly grounds of $77.3M (full‑year interest income $280M), with Q1 interest guidance of $71M–$73M and absorption expecting interest gross to inclination toward $75M–$80M aboriginal successful 2026.
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First Financial Bancorp. (NASDAQ:FFBC) reported fourth-quarter and full-year 2025 results that absorption described arsenic record-setting, highlighted by beardown profitability metrics, resilient nett involvement borderline show contempt little short-term rates, and higher interest income. The institution besides elaborate advancement connected its Westfield Bank acquisition and provided guidance for aboriginal 2026 that incorporates integration enactment from some Westfield and BankFinancial.

President and CEO Archie Brown said the institution delivered “record net performance” successful the 4th quarter, with adjusted net per stock of $0.80. Management reported an adjusted instrumentality connected assets of 1.52% and an adjusted instrumentality connected tangible communal equity of 20.3%.

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Net involvement borderline (NIM) was 3.98%, down somewhat from the anterior quarter. CFO Jamie Anderson said backing costs declined 15 ground points from the linked quarter, portion plus yields fell 19 ground points, with little deposit costs offsetting portion of the output pressure. The institution guided to first-quarter 2026 NIM successful a scope of 3.94% to 3.99%, assuming a 25 ground constituent complaint chopped successful March.

First Financial’s equilibrium expanse maturation successful the 4th included a important publication from the Westfield acquisition. Anderson said full indebtedness balances accrued $1.7 billion during the period, including $1.6 cardinal acquired successful the Westfield transaction. Excluding acquisition impact, integrated indebtedness maturation was $131 million, oregon 4% annualized, driven by C&I and Summit.

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