{"schema_version":"secwatch.filing_event.v1","accession":"0000708955-26-000009","form_type":"8-K","ticker":"FFBC","cik":"0000708955","company_name":"FIRST FINANCIAL BANCORP /OH/","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.508869+00:00","generated_at":"2026-05-16T07:11:57.699761+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.78,"calibrated_materiality_score":0.78,"confidence":"high","headline":"First Financial posts record Q4 adjusted EPS $0.80, record revenue $251.3M; closes two acquisitions","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000708955-26-000009","json":"https://secwatch.observer/filing/0000708955-26-000009.json","markdown":"https://secwatch.observer/filing/0000708955-26-000009.md","text":"https://secwatch.observer/filing/0000708955-26-000009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/708955/000070895526000009/0000708955-26-000009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/708955/000070895526000009/ffbc-20260128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:11:57.699761+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}