First Financial Bancorp Q4 2024 EPS $0.68 ($0.71 adjusted); NIM 3.94%

FIRST FINANCIAL BANCORP /OH/

2024-FY EPS reported $2.40

Q4 net income $64.9M ($0.68 diluted EPS); adjusted EPS $0.71; Q3 2024 was $0.55.
Net interest margin on FTE basis 3.94%; deposit costs declined 13 bp in Q4.
Noninterest income $69.9M ($69.7M adj.); record wealth management income.
Loan growth $208.7M (7.2% annualized); deposit growth $543.1M (15.7% annualized).
Full year 2024 EPS $2.40 vs $2.69 in 2023; efficiency ratio 66.0% (adj. 58.4%).

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