FFBC 8-K SEC Filing Analysis

Latest settled — T+20d

FFBC ▲ +0.33% at T+20d

LONG call ✓ call won +0.33% · α vs SPY -3.70% · entry $30.58 → $30.68

Next anchor: T+60d in 6w

Last close $30.82 (close Jun 8) · +0.78% from $30.58 entry

Entry anchored
Apr 23, 03:59 PM ET
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call +0.56% · α +0.39%

$30.75

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T+5d

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call -0.98% · α -1.89%

$30.28

settled 6w ago

T+20d

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call +0.33% · α -3.70%

$30.68

settled 20d ago

T+60d

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Executive Summary

First Financial Bancorp reported strong Q1 2026 earnings with GAAP EPS of $0.71, a 10.9% beat versus consensus of $0.64, driven by a 1 bp increase in net interest margin to 3.99% (FTE) and record adjusted revenue of $265.3 million. The company authorized a $150 million share repurchase program, signaling confidence in its capital position following the BankFinancial acquisition.

Actionable Insight

Monitor next quarter's loan growth excluding acquisitions to assess organic momentum; the 10.9% EPS beat and margin expansion suggest pricing power, but watch for any reversal in funding cost declines. The new buyback program enhances shareholder returns.

Key Facts

GAAP EPS of $0.71 vs. consensus $0.64 (10.9% beat)
Net interest margin increased 1 bp QoQ to 3.99% on a fully tax-equivalent basis
Record adjusted revenue of $265.3 million, up from $251.3 million in Q4 2025
Board authorized $150 million share repurchase program (5 million shares)
Tangible book value per share rose 2.6% to $16.15
Loan growth of $70.8 million, primarily from BankFinancial acquisition

Financial Impact

$74.4 million net income, $0.71 EPS, $189.6 million net interest income

epsrevenuenetInterestIncometangibleBookValueloanGrowth

Risk Factors

Loan growth was largely acquisition-driven; organic growth remains pressured by elevated payoffs in ICRE portfolio
Net charge-offs increased to 35 bps, impacted by one large commercial relationship

Market Snapshot

Exchange

Nasdaq

Sector

National Commercial Banks

Documents Analyzed

This report is based on 7 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0000708955-26-000088
Exhibit: exh992earningsrelease1q2.htm	0000708955-26-000088
Document: ffbc-20260423.htm	0000708955-26-000088
Document: 0000708955-26-000088-index-headers.html	0000708955-26-000088
Document: 0000708955-26-000088-index.html	0000708955-26-000088
Document: 0000708955-26-000088.txt	0000708955-26-000088
8-K Data (Synthetic)	0000708955-26-000088

4 reports for FFBC

T+1T+5T+20T+60

Filters

Reports for FFBC — sortable, filterable
	Type				Now
May 29, 2026 11d ago	8-K NEUTRAL ★ 2/10	$30.76 $29.77	▼ −3.22%	▼ −2.93%	$30.82 (+0.20%)
May 22, 2026 18d ago	8-K NEUTRAL ★ 4/10	$30.73 $30.02	▼ −2.31%	▼ −3.99%	$30.82 (+0.29%)
Apr 29, 2026 6w ago	Insider Cluster NEUTRAL ★ 3/10	$29.91 $30.44	▲ +1.77%	▼ −1.34%	$30.82 (+3.04%)
Apr 23, 2026 6w ago	8-K BULLISH ★ 7/10	$30.58 $30.28	▼ −0.98%	▼ −1.89%	$30.82 (+0.78%)

US Market Status

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