---
schema_version: "secwatch.filing_event.v1"
accession: "0000708955-25-000065"
form_type: "8-K"
ticker: "FFBC"
cik: "0000708955"
company_name: "FIRST FINANCIAL BANCORP /OH/"
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:48:50.559895+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Financial Bancorp Q2 EPS $0.73 ($0.74 adj.); record revenue $226.3M; dividend raised to $0.25

## Summary
- Net income $70.0M ($0.73 diluted EPS); adjusted EPS $0.74; ROAA 1.52% (adjusted 1.54%).
- Record quarterly revenue $226.3M; net interest margin (FTE) 4.05%, up 17 bp from Q1.
- Board approved quarterly dividend increase to $0.25 per share.
- Net charge-offs 0.21% of total loans; TCE ratio 8.40%; ROATCE ~20%.

## SEC filing metadata
- accession: 0000708955-25-000065
- form_type: 8-K
- ticker: FFBC
- cik: 0000708955
- company_name: FIRST FINANCIAL BANCORP /OH/
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/708955/000070895525000065/0000708955-25-000065-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/708955/000070895525000065/ffbc-20250724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708955-25-000065
- JSON: https://secwatch.observer/filing/0000708955-25-000065.json
- Plain text: https://secwatch.observer/filing/0000708955-25-000065.txt

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