First Financial Bancorp. (FFBC)

First Financial Bancorp. Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	888.51	819.15	836.54	743.77	458.74	385.54
Interest Income on Investments	229.46	182.75	165.55	159.23	126.26	97.68
Total Interest Income	1,118	1,002	1,002	903	585.01	483.22
Interest Paid on Deposits	320.11	310.75	331.09	202.01	28.14	14.44
Interest Paid on Borrowings	47.62	49.11	58.99	73.22	37.72	16.66
Total Interest Expense	367.73	359.86	390.09	275.23	65.86	31.1
Net Interest Income	750.24	642.05	612.01	627.77	519.14	452.12
Net Interest Income Growth	20.53%	4.91%	-2.51%	20.92%	14.82%	-0.96%
Trust Income	37.16	32.56	28.72	26.08	23.51	23.78
Gain (Loss) on Sale of Investments	-22.18	-28.8	-54.42	-2.76	-48.86	-12.85
Other Non-Interest Income	202.13	190.95	170.23	146.89	124.23	82.89
Total Non-Interest Income	277.75	250.97	191.72	210.71	141.99	158.71
Non-Interest Income Growth	20.54%	30.90%	-9.01%	48.40%	-10.54%	-13.61%
Revenues Before Loan Losses	1,028	893.01	803.73	838.48	661.13	610.83
Provision for Loan Losses	35.73	37.67	47.66	43.11	11.71	-18.12
Revenue	992.26	855.34	756.07	795.38	649.42	628.95
Revenue Growth	21.62%	13.13%	-4.94%	22.48%	3.25%	10.41%
Salaries and Employee Benefits	350.69	300.3	288.7	277.83	255.99	236.29
Occupancy Expenses	17.88	13.07	11.85	12.11	22.21	22.14
Federal Deposit Insurance	12.62	11.2	11.21	11.95	7.19	5.63
Amortization of Goodwill & Intangibles	22.65	11	9.49	10.4	11.19	9.84
Selling, General & Administrative	131.15	107.33	102.84	97.48	81.43	77.41
Other Non-Interest Expense	102.99	91.17	63.66	67.01	29.7	29.61
Total Non-Interest Expense	637.97	534.07	487.75	476.78	407.7	380.92
EBT Excluding Unusual Items	354.29	321.27	268.32	318.6	241.72	248.03
Legal Settlements	-	-	-	-	-	-7.1
Other Unusual Items	12.12	-	-	-	-	-
Pretax Income	366.41	321.27	268.32	318.6	241.72	240.93
Income Tax Expense	71.93	65.67	39.49	62.73	24.11	35.77
Net Income	294.48	255.61	228.83	255.86	217.61	205.16
Net Income to Common	294.48	255.61	228.83	255.86	217.61	205.16
Net Income Growth	14.09%	11.70%	-10.56%	17.58%	6.07%	31.67%
Basic Shares Outstanding	102	95	94	94	94	95
Diluted Shares Outstanding	103	96	95	95	95	96
Shares Change	7.75%	0.79%	0.33%	0.54%	-1.37%	-2.24%
EPS (Basic)	2.88	2.68	2.42	2.72	2.33	2.16
EPS (Diluted)	2.86	2.66	2.40	2.69	2.30	2.14
EPS Growth	5.77%	10.83%	-10.78%	16.96%	7.48%	34.59%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	1.010	0.980	0.940	0.920	0.920	0.920
Dividend Growth	4.12%	4.25%	2.17%	0%	0%	0%
Effective Tax Rate	19.63%	20.44%	14.72%	19.69%	9.97%	14.85%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 7, 2026

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