---
schema_version: "secwatch.filing_event.v1"
accession: "0000708955-25-000097"
form_type: "8-K"
ticker: "FFBC"
cik: "0000708955"
company_name: "FIRST FINANCIAL BANCORP /OH/"
filed_at: "2025-10-23T23:59:59+00:00"
generated_at: "2026-05-17T02:36:40.695640+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Financial Bancorp Q3 EPS $0.75; record revenue $234M; Westfield deal approved

## Summary
- Q3 2025 diluted EPS $0.75 ($0.76 adjusted); net income $71.9M.
- Record total revenue $234M; record noninterest income $73.5M ($73.6M adjusted).
- Net interest margin (FTE) 4.02%; TCE ratio 8.87%; ROATCE 19%.
- Annualized net charge-offs 0.18%; average deposits grew 4.3% annualized.
- Obtained regulatory approval for Westfield acquisition; expected close November 1.

## SEC filing metadata
- accession: 0000708955-25-000097
- form_type: 8-K
- ticker: FFBC
- cik: 0000708955
- company_name: FIRST FINANCIAL BANCORP /OH/
- filed_at: 2025-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/708955/000070895525000097/0000708955-25-000097-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/708955/000070895525000097/ffbc-20251023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708955-25-000097
- JSON: https://secwatch.observer/filing/0000708955-25-000097.json
- Plain text: https://secwatch.observer/filing/0000708955-25-000097.txt

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