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First Financial Bancorp. (FFBC)
NASDAQ:FFBC
Earnings Data
Report Date
Jul 17, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.68Last Year’s EPS
0.64Same Quarter Last Year
Based on 3 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 24, 2025
|% Change Since: 4.38%
|Next Earnings Date:Jul 17, 2025
Earnings Call Sentiment|Positive
The earnings call presented a positive outlook overall, highlighting strong earnings, profitability, and asset quality improvements. The company also received notable recognition for its workplace and community efforts. However, there were challenges such as a decline in the net interest margin, fee income decrease, and loan growth challenges. The company remains optimistic moving forward, with expectations for improvement in upcoming quarters.Company Guidance
During the First Financial Bancorp First Quarter 2025 Earnings Conference Call, the company provided several key metrics and guidance for the upcoming quarter. Adjusted earnings per share were reported at $0.63, with a return on assets of 1.33% and a return on tangible common equity of 17.8%. The net interest margin, although slightly declined, was strong at 3.88%, and is expected to expand to between 3.95% and 4.05% in the next quarter. Loan balances remained stable, but loan production was seasonally lower. Fee income stood at $61 million, with expectations of seasonal rebounds in the second quarter. Non-interest expenses decreased by 3.3%, contributing to improved efficiency. Asset quality also showed improvement, with net charge-offs declining by four basis points and non-performing assets down by 9.5%. The tangible common equity ratio increased to 8.2%, with a tangible book value per share rising to $14.80, marking an 18% increase over the last year. For the next quarter, the company anticipates stable credit costs, a slight increase in ACL coverage, and fee income between $64 million and $66 million.Strong Earnings and Profitability
Adjusted earnings per share was $0.63, with a return on assets of 1.33% and a return on tangible common equity of 17.8%.
Tangible Book Value and Capital Ratios
Tangible book value per share increased to $14.80, representing a 5% increase from the linked quarter and 18% over the last year. The tangible common equity ratio increased to 8.2%.
Exceptional Workplace and Community Recognition
First Financial received the Gallup Exceptional Workplace Award and an outstanding Community Reinvestment Act rating from the Federal Reserve.
Asset Quality Improvements
Net charge-offs declined four basis points from the linked quarter, and non-performing assets declined by 9.5%.
Efficiency and Expense Management
Non-interest expenses declined by 3.3% due to a decrease in incentive compensation and lower fraud losses.
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FFBC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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FFBC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 24, 2025 | $24.00 | $22.93 | -4.46% |
Jan 23, 2025 | $27.74 | $27.49 | -0.90% |
Oct 24, 2024 | $25.00 | $23.97 | -4.12% |
Jul 25, 2024 | $26.36 | $27.37 | +3.83% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does First Financial Bancorp. (FFBC) report earnings?
First Financial Bancorp. (FFBC) is schdueled to report earning on Jul 17, 2025, TBA Not Confirmed.
What is First Financial Bancorp. (FFBC) earnings time?
First Financial Bancorp. (FFBC) earnings time is at Jul 17, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FFBC EPS forecast?
FFBC EPS forecast for the fiscal quarter 2025 (Q2) is 0.68.
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