First Financial Bancorp. Earnings Recaps
Q3 2025
Oct 24, 2025
First Financial Bancorp reported a strong Q3 2025 with adjusted net income of $72.6 million, driven by record revenue and an exceptional net interest margin of 4.02%. Asset quality remained stable while tangible book value increased 5% from the prior quarter.
Key takeaways
- Achieved adjusted earnings per share of $0.76 and return on assets of 1.55%.
- Noninterest income set a record at $73.6 million, comprising 31% of total net revenue.
- Secured a strong net interest margin through efficient asset yield management and controlled funding costs.
- Experienced a slight decline in loan balances, attributed to reduced production in specialty lending.
- Tangible book value per share rose to $16.19, a 14% increase year-over-year.