---
schema_version: "secwatch.filing_event.v1"
accession: "0000708955-24-000008"
form_type: "8-K"
ticker: "FFBC"
cik: "0000708955"
company_name: "FIRST FINANCIAL BANCORP /OH/"
filed_at: "2024-01-25T23:59:59+00:00"
generated_at: "2026-06-06T18:44:07.710689+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# FFBC Q4 2023 EPS $0.60 ($0.62 adj); loan growth 10.7% annualized; TBV up 13.5%

## Summary
- Net income $56.7M, diluted EPS $0.60; adjusted EPS $0.62 (Non-GAAP).
- Net interest margin (FTE) 4.26%, down 7bp from Q3 due to higher funding costs.
- Loans grew $286.4M (10.7% annualized); average deposits up 12.9% annualized.
- Tangible book value increased $1.47 per share (13.5% from Q3).
- Board declared $0.23 quarterly dividend; credit trends stable to improving.

## SEC filing metadata
- accession: 0000708955-24-000008
- form_type: 8-K
- ticker: FFBC
- cik: 0000708955
- company_name: FIRST FINANCIAL BANCORP /OH/
- filed_at: 2024-01-25T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/708955/000070895524000008/0000708955-24-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/708955/000070895524000008/ffbc-20240125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708955-24-000008
- JSON: https://secwatch.observer/filing/0000708955-24-000008.json
- Plain text: https://secwatch.observer/filing/0000708955-24-000008.txt

## Key facts
- Earnings Releases
  FIRST FINANCIAL BANCORP /OH/ reported twelve months ended December 31, 2023 results: EPS $2.69 per diluted share.
  - Period: twelve months ended December 31, 2023
  - EPS: $2.69 per diluted share
  - Result: reported results
  source text: For the twelve months ended December 31, 2023, First Financial had earnings per diluted share of $2.69 compared to $2.30 for the same period in 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/708955/000070895524000008/0000708955-24-000008-index.htm
- Earnings Releases
  FIRST FINANCIAL BANCORP /OH/ reported three months ended December 31, 2023 results: net income net income of $56.7 million, EPS $0.60 per diluted common share.
  - Period: three months ended December 31, 2023
  - Net income: net income of $56.7 million
  - EPS: $0.60 per diluted common share
  - Result: reported results
  source text: For the three months ended December 31, 2023, the Company reported net income of $56.7 million, or $0.60 per diluted common share.
  evidence_url: https://www.sec.gov/Archives/edgar/data/708955/000070895524000008/0000708955-24-000008-index.htm

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