---
schema_version: "secwatch.filing_event.v1"
accession: "0000708955-25-000003"
form_type: "8-K"
ticker: "FFBC"
cik: "0000708955"
company_name: "FIRST FINANCIAL BANCORP /OH/"
filed_at: "2025-01-23T23:59:59+00:00"
generated_at: "2026-05-27T17:14:59.731133+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%).

## SEC filing metadata
- accession: 0000708955-25-000003
- form_type: 8-K
- ticker: FFBC
- cik: 0000708955
- company_name: FIRST FINANCIAL BANCORP /OH/
- filed_at: 2025-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/708955/000070895525000003/0000708955-25-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/708955/000070895525000003/ffbc-20250123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708955-25-000003
- JSON: https://secwatch.observer/filing/0000708955-25-000003.json
- Plain text: https://secwatch.observer/filing/0000708955-25-000003.txt

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