Daniel Tamayo

Jon Arfstrom

Terence McEvoy

Terry McEvoy

Andrew Steven Leischner

Brendan Nosal

Karl Shepard

Mark Shutley

Christopher McGratty

David Konrad

- First Financial Bancorp reported strong Q3 2025 financial results, with **adjusted net income of $72,600,000** and **adjusted earnings per share of 76¢**.  **[0000708955_2202135_0]** **[0000708955_2202135_1]**  The company achieved **record revenue** driven by a robust net interest margin of **4.02%** and record noninterest income, which represented **31% of total net revenue**.  **[0000708955_2202135_0]** **[0000708955_2202135_1]** 
- Asset quality metrics remained stable, with nonperforming assets holding steady at **41 basis points** of total assets and annualized net charge-offs at **18 basis points**.  **[0000708955_2202135_0]** **[0000708955_2202135_1]** **[0000708955_2202135_2]**  Tangible book value per share increased to **$16.19**, up 5% from the linked quarter, and the tangible common equity ratio rose to **8.87%**.  **[0000708955_2202135_0]** **[0000708955_2202135_1]** **[0000708955_2202135_2]** 
- For Q4 2025, the company expects **mid-single-digit annualized loan growth** (excluding Westfield) and strong deposit growth.  **[0000708955_2202135_3]**  Net interest margin is projected to be between **3.92% and 3.97%**, assuming two 25 basis point rate cuts.  **[0000708955_2202135_3]** 
- The **Westfield acquisition** received regulatory approval and is expected to close in **early November**, while the **Bank Financial acquisition** is anticipated to close in **2026**.  **[0000708955_2202135_3]**  The Westfield deal is expected to result in a **120 basis point hit to the tangible common equity ratio**.  **[0000708955_2202135_6]**

First Financial Bancorp Reports Strong Q3 2025 Results and Provides Q4 Outlook

- First Financial Bancorp reported strong Q3 2025 results, with **adjusted net income of $72.6 million** and **adjusted earnings per share of $0.76**, yielding an adjusted return on assets of **1.55%** and an adjusted return on tangible common equity of **19.3%**.  **[0000708955_2202224_1]** **[0000708955_2202224_2]** 
- The company achieved **record revenue** in Q3 2025, driven by a **net interest margin of 4.02%** and **record non-interest income totaling $73.6 million**.  **[0000708955_2202224_1]** **[0000708955_2202224_2]** 
- Loan balances saw a modest decline of **$72 million**, while average deposit balances increased by **$157 million**.  **[0000708955_2202224_2]**  Asset quality remained stable, with annualized net charge-offs at **18 basis points** and a tangible common equity ratio of **8.87%**.  **[0000708955_2202224_1]** **[0000708955_2202224_2]** **[0000708955_2202224_3]** 
- For Q4 2025, FFBC projects **mid-single-digit annualized loan growth** (excluding Westfield), a net interest margin between **3.92% and 3.97%**, fee income of **$77 million to $79 million**, and non-interest expense of **$142 million to $144 million**.  **[0000708955_2202224_4]** 
- The **Westfield acquisition** is expected to close in **early November**, with the **BankFinancial acquisition** targeted for **Q1 2026**.  **[0000708955_2202224_4]**

- First Financial Bancorp reported **adjusted net income of $72.6 million** and **adjusted earnings per share of $0.76** for Q3 2025, leading to an **adjusted return on assets of 1.55%** and an **adjusted return on tangible common equity of 19.3%**.  **[0000708955_2202282_1]** **[0000708955_2202282_2]**  The company achieved **record revenue**, driven by a robust **net interest margin of 4.02%** and **record non-interest income of $73.6 million**.  **[0000708955_2202282_1]** **[0000708955_2202282_2]** 
- Loan balances experienced a modest decline of **$72 million** during Q3 2025, but the company anticipates a return to **mid-single-digit loan growth** on an annualized basis for Q4 2025.  **[0000708955_2202282_1]** **[0000708955_2202282_2]** **[0000708955_2202282_4]** 
- Asset quality remained stable, with annualized net charge-offs at **18 basis points** and non-performing assets holding flat at **41 basis points** of total assets.  **[0000708955_2202282_1]** **[0000708955_2202282_2]** **[0000708955_2202282_3]**  The ACL coverage slightly increased to **1.38%** of total loans.  **[0000708955_2202282_2]** **[0000708955_2202282_3]** 
- For Q4 2025, the net interest margin is projected to be between **3.92% and 3.97%**, fee income is expected to range from **$77 million to $79 million**, and non-interest expense is estimated to be between **$142 million and $144 million**.  **[0000708955_2202282_4]** 
- The **Westfield** acquisition is expected to close in **early November 2025**, and the **BankFinancial** acquisition is anticipated to close during **Q1 2026**.  **[0000708955_2202282_4]**  The Westfield transaction is projected to result in approximately a **120 basis point hit** to the tangible common equity ratio.  **[0000708955_2202282_7]**

- First Financial Bancorp reported **Q3 2025 adjusted net income of $72.6 million** and **adjusted earnings per share of $0.76**, driven by **record revenue** and **record non-interest income of $73.6 million**.  **[0000708955_2202107_1]** **[0000708955_2202107_2]** 
- The company maintained a strong **net interest margin of 4.02%** and saw its **tangible book value per share increase by 5%** from the linked quarter to **$16.19**.  **[0000708955_2202107_1]** **[0000708955_2202107_2]** **[0000708955_2202107_3]** 
- Asset quality remained stable, with **annualized net charge-offs at 18 basis points** and non-performing assets holding steady at **41 basis points** of total assets.  **[0000708955_2202107_1]** **[0000708955_2202107_2]** **[0000708955_2202107_3]** 
- For **Q4 2025**, FFBC expects **mid-single-digit annualized loan growth** and projects net interest margin to be between **3.92% and 3.97%**, assuming two rate cuts.  **[0000708955_2202107_4]** 
- The **Westfield acquisition** is anticipated to close in **early November**, and the **BankFinancial acquisition** is expected to close in **Q1 2026**.  **[0000708955_2202107_4]**

FIRST FINANCIAL BANCORP /OH/ (FFBC)