FFBC

Wall Street expects a year-over-year decline in earnings on higher revenues when Enterprise Financial Services (EFSC) reports results for the quarter ended June 2026. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 22. On the other hand, if they miss, the stock may move lower. While management's discussion of business conditions on the earnings call will mostly determine the sustainability of the immediate price change and future earnings expectations, it's worth having a handicapping insight into the odds of a positive EPS surprise. This financial holding company is expected to post quarterly earnings of $1.35 per share in its upcoming report, which represents a year-over-year change of -1.5%. Revenues are expected to be $188.23 million, up 8.6% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 1.19% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that the direction of estimate revisions by each of the covering analysts may not always get reflected in the aggregate change. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the...

First Financial Bancorp (FFBC) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The earnings report, which is expected to be released on July 21, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise. This holding company for First Financial Bank is expected to post quarterly earnings of $0.81 per share in its upcoming report, which represents a year-over-year change of +9.5%. Revenues are expected to be $269 million, up 18.2% from the year-ago quarter. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction). The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significan...

CINCINNATI, July 1, 2026 /PRNewswire/ -- First Financial Bancorp. (Nasdaq: FFBC) announced today that it expects to release second quarter 2026 financial results after the market close on Tuesday, July 21, 2026. A conference call and webcast to discuss these results will be held on Wednesday, July 22, 2026, at 8:30 a.m. Eastern time. About First Financial Bancorp.First Financial Bancorp. is a Cincinnati, Ohio based bank holding company. As of March 31, 2026, the Company had $22.8 billion in assets, $13.5 billion in loans, $17.9 billion in deposits and $2.9 billion in shareholders' equity. The Company's subsidiary, First Financial Bank, founded in 1863, provides banking and financial services products through its six lines of business: Commercial, Retail Banking, Investment Commercial Real Estate, Mortgage Banking, Commercial Finance and Wealth Management. These business units provide traditional banking services to business and retail clients. Wealth Management provides wealth planning, portfolio management, trust and estate, brokerage and retirement plan services and had approximately $4.1 billion in assets under management as of March 31, 2026. The Company operated 153 full service banking centers as of March 31, 2026, located in Ohio, Indiana, Kentucky and Illinois, while the Commercial Finance business lends into targeted industry verticals on a nationwide basis. In 2025, First Financial Bank received its second consecutive Outstanding rating from the Federal Reserve for its performance under the Community Reinvestment Act and was recognized as a Gallup Exceptional Workplace Award winner, one of only 70 Gallup clients worldwide to receive this designation. Additional information about the Company, including its products, services and banking locations, is available at www.bankatfirst.com. View original content:https://www.prnewswire.com/news-releases/first-financial-bancorp-to-announce-second-quarter-2026-financial-results-on-tuesday-july-21-2026-302814569.html

In recent months, First Financial Bancorp has continued to deliver earnings above analyst expectations, supported by upward revisions to profit forecasts and positive value, growth, and momentum rankings. At the same time, the bank’s revenue and earnings growth have trailed sector benchmarks, highlighting a tension between strong earnings execution and more modest longer-term fundamentals. Next, we’ll explore how these sustained earnings beats and higher estimates interact with First Financial Bancorp’s existing investment narrative and risks. Invest in the nuclear renaissance through our list of 88 elite nuclear energy infrastructure plays powering the global AI revolution. To own First Financial Bancorp, you need to believe its consistent earnings beats and improving estimates can continue to support the share price, even as longer term revenue growth trails sector peers. Recent 52 week highs and upward revisions strengthen the short term earnings momentum catalyst, while slower top line expansion and weaker historical revenue growth keep the main risk squarely on whether the bank can grow fast enough to justify recent gains. The most relevant recent development is First Financial’s outperformance versus the S&P 500 over the past year, supported by repeated earnings surprises and a Zacks Rank #2 with solid value, growth, and momentum scores. This reinforces the near term catalyst around earnings execution and sentiment, but it does not resolve underlying concerns about the bank’s more modest revenue trajectory relative to the broader banking sector. Yet investors should also be aware that concentrated exposure to slower growing Midwest markets could eventually weigh on... Read the full narrative on First Financial Bancorp (it's free!) First Financial Bancorp’s narrative projects $1.4 billion revenue and $430.1 million earnings by 2029. Uncover how First Financial Bancorp's forecasts yield a $33.43 fair value, a 3% upside to its current price. Three members of the Simply Wall St Community estimate First Financial’s fair value between US$33.43 and US$52.87, reflecting a wide spread of expectations. You can set those views against recent earnings outperformance and upward estimate revisions, which raise important questions about how much of the current profit strength is already reflected in the price. Explore 3 other fair value estimates on First Financial B...

Let’s dig into the relative performance of First Financial Bancorp (NASDAQ:FFBC) and its peers as we unravel the now-completed Q1 regional banks earnings season. Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges. The 91 regional banks stocks we track reported a slower Q1. As a group, revenues were in line with analysts’ consensus estimates. While some regional banks stocks have fared somewhat better than others, they have collectively declined. On average, share prices are down 2.7% since the latest earnings results. Tracing its roots back to 1863 during the Civil War era, First Financial Bancorp (NASDAQ:FFBC) is a bank holding company that provides commercial banking, lending, deposit services, and wealth management to individuals and businesses. First Financial Bancorp reported revenues of $265.8 million, up 26.1% year on year. This print exceeded analysts’ expectations by 3.1%. Overall, it was a very strong quarter for the company with an impressive beat of analysts’ revenue and tangible book value per share estimates. Archie Brown, President and CEO, commented on the First Quarter results, "I am very pleased with our overall performance in the first quarter. The first quarter was a busy one as we closed the BankFinancial acquisition, completed the conversion of Westfield Bank, and wrapped up the sale of the BankFinancial multi-family loan portfolio. Adjusted(1) earnings per share were $0.77, with an adjusted(1) return on assets of 1.45% and an adjusted(1) return on tangible common equity of 19.2%. Adjusted(1) earnings per share increased 22% compared to the first quarter of last year, driven by a robust net interest margin and strong fee income. Our net interest m...

First Financial Bancorp (FFBC) could be a solid addition to your portfolio given a notable revision in the company's earnings estimates. While the stock has been gaining lately, the trend might continue since its earnings outlook is still improving. The upward trend in estimate revisions for this holding company for First Financial Bank reflects growing optimism of analysts on its earnings prospects, which should get reflected in its stock price. After all, empirical research shows a strong correlation between trends in earnings estimate revisions and near-term stock price movements. Our stock rating tool -- the Zacks Rank -- has this insight at its core. The five-grade Zacks Rank system, which ranges from a Zacks Rank #1 (Strong Buy) to a Zacks Rank #5 (Strong Sell), has an impressive externally-audited track record of outperformance, with Zacks #1 Ranked stocks generating an average annual return of +25% since 2008. Consensus earnings estimates for the next quarter and full year have moved considerably higher for First Financial Bancorp, as there has been strong agreement among the covering analysts in raising estimates. The chart below shows the evolution of forward 12-month Zacks Consensus EPS estimate: The company is expected to earn $0.80 per share for the current quarter, which represents a year-over-year change of +8.1%. Over the last 30 days, two estimates have moved higher for First Financial compared to no negative revisions. As a result, the Zacks Consensus Estimate has increased 7.38%. For the full year, the earnings estimate of $3.20 per share represents a change of +9.2% from the year-ago number. In terms of estimate revisions, the trend for the current year also appears quite encouraging for First Financial. Over the past month, two estimates have moved higher compared to no negative revisions, helping the consensus estimate increase 7.24%. Thanks to promising estimate revisions, First Financial currently carries a Zacks Rank #2 (Buy). The Zacks Rank is a tried-and-tested rating tool that helps investors effectively harness the power of earnings estimate revisions and make the right investment decision. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. Our research shows that stocks with Zacks Rank #1 (Strong Buy) and 2 (Buy) significantly outperform the S&P 500. While strong estimate revisions for First Financi...

CINCINNATI, April 28, 2026 /PRNewswire/ -- On Tuesday, April 28, 2026, the board of directors of First Financial Bancorp. (NASDAQ: FFBC) declared a quarterly cash dividend of $0.25 per common share. The dividend is payable on June 15, 2026 to shareholders of record as of June 1, 2026. About First Financial Bancorp. First Financial Bancorp. is a Cincinnati, Ohio based bank holding company. As of March 31, 2026, the Company had $22.8 billion in assets, $13.5 billion in loans, $17.9 billion in deposits and $2.9 billion in shareholders' equity. The Company's subsidiary, First Financial Bank, founded in 1863, provides banking and financial services products through its six lines of business: Commercial, Retail Banking, Investment Commercial Real Estate, Mortgage Banking, Commercial Finance and Wealth Management. These business units provide traditional banking services to business and retail clients. Wealth Management provides wealth planning, portfolio management, trust and estate, brokerage and retirement plan services and had approximately $4.1 billion in assets under management as of March 31, 2026. The Company operated 153 full service banking centers as of March 31, 2026, located in Ohio, Indiana, Kentucky and Illinois, while the Commercial Finance business lends into targeted industry verticals on a nationwide basis. In 2025, First Financial Bank received its second consecutive Outstanding rating from the Federal Reserve for its performance under the Community Reinvestment Act. First Financial was recognized in 2025 and 2026 as a Gallup Exceptional Workplace Award winner, one of only a select few organizations to receive this designation. Additional information about the Company, including its products, services and banking locations, is available at www.bankatfirst.com. View original content:https://www.prnewswire.com/news-releases/first-financial-bancorp-declares-quarterly-cash-dividend-302756002.html

First Financial reported adjusted EPS of $0.77, up 22% year-over-year, driven by a robust net interest margin of 3.99% and record fee income of $75.6 million (up 24% YoY). Deposits rose $1.7 billion (including $1.2 billion from the Bank Financial acquisition) and the company completed the Westfield conversion while closing Bank Financial, with a systems conversion planned and a new $5 million share repurchase authorized. Credit was affected by one large commercial relationship—net charge-offs annualized were 35 bps and ACL coverage was 1.36% with a $8.5 million provision—while capital improved (TCE ~7.9%, tangible book value $16.15) and management expects Q2 NIM of 3.99–4.04% and mid-single-digit annualized loan growth. Interested in First Financial Bancorp.? Here are five stocks we like better. First Financial Bancorp. (NASDAQ:FFBC) reported first-quarter 2026 results highlighted by higher adjusted earnings, a resilient net interest margin, and stronger-than-typical early-year fee income, while the company also worked through several major integration and balance sheet actions during the period. During the call, President and CEO Archie Brown said the quarter was “a busy one,” citing the closing of the Bank Financial acquisition, completion of the Westfield Bank systems conversion, and the sale of Bank Financial’s multifamily loan portfolio. “I’m very pleased with our overall performance,” Brown said. → Pipelines and Automation: 2 Energy Plays Built for Any Oil Price Brown said adjusted earnings per share were $0.77, with an adjusted return on assets of 1.45% and an adjusted return on tangible common equity of 19.2%. He added that adjusted EPS increased 22% versus the first quarter of last year, driven by what he described as a “robust net interest margin and strong fee income.” Chief Financial Officer and Chief Operating Officer Jamie Anderson said the quarter produced “strong earnings” and “record revenues driven by a robust net interest margin,” along with “higher than expected fee income.” Anderson reported net interest margin of 3.99%, up 1 basis point from the linked quarter. He said deposit costs fell 13 basis points while asset yields declined 12 basis points. → Homebuilder Earnings: D.R. Horton Sticks Out as Pulte & NVR Sales Tank On the balance sheet, end-of-period loans rose $71 million, which Anderson said included $228 million of acquired Bank...

A week ago, First Financial Bancorp. (NASDAQ:FFBC) came out with a strong set of first-quarter numbers that could potentially lead to a re-rate of the stock. First Financial Bancorp beat earnings, with revenues hitting US$273m, ahead of expectations, and statutory earnings per share outperforming analyst reckonings by a solid 17%. Following the result, the analysts have updated their earnings model, and it would be good to know whether they think there's been a strong change in the company's prospects, or if it's business as usual. With this in mind, we've gathered the latest statutory forecasts to see what the analysts are expecting for next year. AI is about to change healthcare. These 20 stocks are working on everything from early diagnostics to drug discovery. The best part - they are all under $10bn in marketcap - there is still time to get in early. Taking into account the latest results, the current consensus from First Financial Bancorp's six analysts is for revenues of US$1.09b in 2026. This would reflect a notable 19% increase on its revenue over the past 12 months. Statutory earnings per share are predicted to step up 18% to US$3.12. Yet prior to the latest earnings, the analysts had been anticipated revenues of US$1.07b and earnings per share (EPS) of US$3.01 in 2026. It looks like there's been a modest increase in sentiment following the latest results, withthe analysts becoming a bit more optimistic in their predictions for both revenues and earnings. View our latest analysis for First Financial Bancorp Althoughthe analysts have upgraded their earnings estimates, there was no change to the consensus price target of US$33.00, suggesting that the forecast performance does not have a long term impact on the company's valuation. There's another way to think about price targets though, and that's to look at the range of price targets put forward by analysts, because a wide range of estimates could suggest a diverse view on possible outcomes for the business. The most optimistic First Financial Bancorp analyst has a price target of US$37.00 per share, while the most pessimistic values it at US$30.00. Even so, with a relatively close grouping of estimates, it looks like the analysts are quite confident in their valuations, suggesting First Financial Bancorp is an easy business to forecast or the the analysts are all using similar assumptions. Looking...

This article first appeared on GuruFocus. Adjusted Earnings Per Share: $0.77, a 22% increase compared to the first quarter of last year. Adjusted Return on Assets: 1.45%. Adjusted Return on Tangible Common Equity: 19.2%. Net Interest Margin: 3.99%, increased by 1 basis point during the quarter. Adjusted Non-Interest Income: $75.6 million, 24% higher than the first quarter of 2025. Total Non-Interest Expenses: Well below expectations, with acquisition-related cost savings exceeding initial estimates. Net Charge-Offs: 35 basis points of total loans. Nonperforming Assets: 44 basis points, slightly declining from the linked quarter. Tangible Book Value Per Share: $16.15, a 2.6% increase over the linked quarter and a 9% increase compared to the first quarter of 2025. Loan Balances: Increased by $71 million, including $228 million from the BankFinancial acquisition. Total Average Deposit Balances: Increased by $1.7 billion, including $1.2 billion from the BankFinancial transaction. Provision Expense: $8.5 million, driven primarily by net charge-offs. Allowance for Credit Losses (ACL): 1.36% of total loans, a 3 basis point decline from the fourth quarter. Tangible Common Equity Ratio: Increased to 7.88%. Share Repurchase Plan: $5 million authorized by the Board of Directors. Warning! GuruFocus has detected 7 Warning Signs with FISI. Is FFBC fairly valued? Test your thesis with our free DCF calculator. Release Date: April 24, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. First Financial Bancorp (NASDAQ:FFBC) reported a 22% increase in adjusted earnings per share compared to the first quarter of last year, driven by a robust net interest margin and strong fee income. The company successfully completed the acquisition of BankFinancial and the conversion of Westfield Bank, which contributed to increased loan balances and deposit growth. Adjusted fee income was strong for the quarter, with record results in wealth management, client derivatives, and leasing business income. Capital ratios are strong, with all regulatory ratios well in excess of minimums and tangible common equity increasing to 7.9%. The Board of Directors authorized a $5 million share repurchase plan, indicating confidence in the company's financial position and commitment to shareholder returns. Loan balances, excluding the BankFinancial portf...

Regional banking company First Financial Bancorp (NASDAQ:FFBC) fell short of the market’s revenue expectations in Q1 CY2026, but sales rose 20.7% year on year to $254.1 million. Its non-GAAP profit of $0.77 per share was 12.1% above analysts’ consensus estimates. Is now the time to buy FFBC? Find out in our full research report (it’s free). Revenue: $254.1 million vs analyst estimates of $257.9 million (20.7% year-on-year growth, 1.5% miss) Adjusted EPS: $0.77 vs analyst estimates of $0.69 (12.1% beat) Market Capitalization: $2.95 billion First Financial Bancorp’s first quarter was marked by significant corporate activity and operational discipline, as the company completed the BankFinancial acquisition and finalized the Westfield Bank conversion. Management highlighted robust net interest margin resilience and record fee income, particularly in wealth management, derivatives, and leasing businesses, which helped offset seasonal headwinds and sector-specific loan payoff pressures. CEO Archie Brown attributed the positive performance to “strong pipeline activity and successful integration efforts,” while noting that loan originations rose substantially year over year, even as loan balances were impacted by higher commercial real estate payoffs and aggressive competition from larger regional banks. Looking ahead, First Financial Bancorp is focused on capturing loan growth opportunities as payoff activity in its commercial real estate portfolio is expected to normalize. Management emphasized that healthy loan pipelines and continued investment in the Chicago and Northeast Ohio markets will be central to growth. Brown stated, “We expect strong production in the second quarter and are confident our loan pipelines will continue to build.” The company also anticipates realizing full cost savings from recent acquisitions by the end of the year, while maintaining stable net interest margin levels if interest rates hold steady. CFO Jamie Anderson noted that future capital deployment could include share repurchases, depending on acquisition opportunities and capital levels. Management credited the quarter’s results to resilient net interest margin, strong noninterest income, and disciplined expense control, amid active M&A integration and shifting competitive dynamics in lending. Resilient net interest margin: Despite a rate cut by the Federal Reserve, First Financial...

First Financial Bancorp (FFBC) came out with quarterly earnings of $0.77 per share, beating the Zacks Consensus Estimate of $0.7 per share. This compares to earnings of $0.63 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +10.52%. A quarter ago, it was expected that this holding company for First Financial Bank would post earnings of $0.79 per share when it actually produced earnings of $0.8, delivering a surprise of +1.27%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. First Financial, which belongs to the Zacks Banks - Midwest industry, posted revenues of $272.7 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 5.09%. This compares to year-ago revenues of $201.59 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. First Financial shares have added about 16.1% since the beginning of the year versus the S&P 500's gain of 4.3%. While First Financial has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for First Financial was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see th...