secwatch.observer — SEC 8-K summary
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Issuer:     FIRST FINANCIAL BANCORP /OH/ (FFBC)
CIK:        0000708955
Form:       8-K
Filed at:   2026-01-28T23:59:59+00:00
Accession:  0000708955-26-000009
Event type: earnings
Sentiment:  positive
Materiality: 0.78
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/708955/000070895526000009/0000708955-26-000009-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/708955/000070895526000009/ffbc-20260128.htm
  HTML page:      https://secwatch.observer/filing/0000708955-26-000009

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