---
schema_version: "secwatch.filing_event.v1"
accession: "0000708955-23-000025"
form_type: "8-K"
ticker: "FFBC"
cik: "0000708955"
company_name: "FIRST FINANCIAL BANCORP /OH/"
filed_at: "2023-04-20T23:59:59+00:00"
generated_at: "2026-06-16T23:00:17.731733+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Financial Bancorp Q1 2023 EPS $0.74 (adj. $0.76); revenue $214.9M record

## Summary
- EPS $0.74 GAAP, $0.76 adjusted; 65% increase YoY.
- Net interest margin (FTE) 4.55%, up 8 bp from Q4 2022; loan growth $134.4M (5.3% annualized).
- Record fee income: foreign exchange $16.9M, leasing $13.7M, wealth mgmt $6.3M.
- Noninterest expenses $116.7M (adj. $114.6M); adjusted efficiency ratio 53.3%.
- Regulatory capital ratios increased; stable credit with de minimis net charge-offs.

## SEC filing metadata
- accession: 0000708955-23-000025
- form_type: 8-K
- ticker: FFBC
- cik: 0000708955
- company_name: FIRST FINANCIAL BANCORP /OH/
- filed_at: 2023-04-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/708955/000070895523000025/0000708955-23-000025-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/708955/000070895523000025/ffbc-20230420.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708955-23-000025
- JSON: https://secwatch.observer/filing/0000708955-23-000025.json
- Plain text: https://secwatch.observer/filing/0000708955-23-000025.txt

## Key facts
- Earnings Releases
  FIRST FINANCIAL BANCORP /OH/ reported first three months of 2023 results: revenue $214.9 million, net income $70.4 million, EPS $0.74 per diluted common share.
  - Period: first three months of 2023
  - Revenue: $214.9 million
  - Net income: $70.4 million
  - EPS: $0.74 per diluted common share
  - Result: reported results
  source text: per diluted share of $0.74; $0.76 on an adjusted (1) basis, 65% increase YoY • Return on average assets of 1.69%; 1.72% on an adjusted (1) basis • Record quarterly revenue of $214.9 million • Net interest margin on FTE basis (1) of 4.55%; 8 bp increase from linked quarter • Loan growth of $134.4 million; 5.3% on an annualized basis • Record adjusted (1) fee income
  evidence_url: https://www.sec.gov/Archives/edgar/data/708955/000070895523000025/0000708955-23-000025-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.