secwatch.observer — SEC 8-K summary
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Issuer:     FIRST FINANCIAL BANCORP /OH/ (FFBC)
CIK:        0000708955
Form:       8-K
Filed at:   2025-01-23T23:59:59+00:00
Accession:  0000708955-25-000003
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/708955/000070895525000003/0000708955-25-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/708955/000070895525000003/ffbc-20250123.htm
  HTML page:      https://secwatch.observer/filing/0000708955-25-000003

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer