---
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"
generated_at: "2026-05-16T07:11:57.699761+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.78
calibrated_materiality_score: 0.78
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.78
- calibrated_materiality_score: 0.78
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708955-26-000009
- JSON: https://secwatch.observer/filing/0000708955-26-000009.json
- Plain text: https://secwatch.observer/filing/0000708955-26-000009.txt

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