First Financial posts record Q4 adjusted EPS $0.80, record revenue $251.3M; closes two acquisitions

FIRST FINANCIAL BANCORP /OH/

2025-FY EPS reported $2.66

Q4 GAAP diluted EPS $0.64; adjusted EPS $0.80 (record); full-year 2025 EPS $2.66 vs $2.40 in 2024.
Record adjusted revenue of $251.3M; net interest margin on FTE basis 3.98%; record noninterest income $77.3M.
Westfield acquisition closed Nov 1, 2025; BankFinancial acquisition closed Jan 1, 2026 after regulatory approval.
Issued $300M of 6.375% subordinated debt; Board approved quarterly dividend of $0.25 per share.
Organic loan growth of $131M in Q4, excluding Westfield; ROATCE 20.3% on adjusted basis.

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