Pulling SEC filings + quote and writing the call…

FIRST FINANCIAL BANCORP /OH/
Next earnings Jul 16, 2026 · consensus $0.78 EPS, $276M rev
Last earnings +2.8% on 2026-04-23
Solid Midwest regional bank at 12.4x earnings — quality compounder, but ROE only 9.2% and rate uncertainty caps near-term upside.
Sources: SEC EDGAR (CIK 0000708955, latest 10-Q filed 2026-05-08) · EODHD · analysis by claude-code · as of 6/25/2026, 1:34:06 PM.
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Middling fundamentals offset by an attractive price (~108% below fair value) — worth a look on the value angle.
First Financial Bancorp is a competently run regional bank trading at a reasonable 12.4x trailing diluted EPS of $2.66, with FY2025 net income of $256M up 11.7% YoY and diluted EPS up 10.8%. Total assets grew 13.8% to $21.1B while equity grew in lockstep at 13.6% to $2.77B, suggesting disciplined balance-sheet expansion rather than over-leveraging. Operating cash flow of $338M (+28.9%) easily covers the $94.6M dividend and modest $20.8M capex, and retained earnings climbed 12.6% to $1.44B — the hallmarks of a steady community bank compounder.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $205M | $218M | $256M | $229M | $256M |
| Diluted EPS | $2.14 | $2.30 | $2.69 | $2.40 | $2.66 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Annual meeting results: director elections and exec officer change disclosed
Reg FD investor/analyst presentation furnished — no new financial guidance
Q1'26 10-Q filed; balance sheet expanded post-acquisition, credit stable
Q1'26 earnings release; results in line with FY25 momentum
2026 proxy: director slate and say-on-pay for May 26 annual meeting
FY25 10-K: NI $256M, ROE 9.2%; flags rate/credit risk amid sticky inflation
Investor presentation furnished under Reg FD
Q4'25 earnings release: FY25 NI $256M (+11.7%), diluted EPS $2.66
Completed acquisition closing — drove +13.8% asset growth and share issuance
1072 tracked peers · median
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Last 90 days: 0 open-market buys · 2 sales
| 2026-06-08 | Brown Archie M President & CEO | Sell | 10.0K @ $30.93 | $309K |
| 2026-05-29 | MORRIS DAWN C Director | Sell | 740.00 @ $30.90 | $22.9K |
| 2026-05-26 | MORRIS DAWN C Director | Award | 2.33K @ $31.15 | $72.5K |
| 2026-05-26 | Warzala Gary W Director | Award | 2.33K @ $31.15 | $72.5K |
| 2026-05-26 | Rahe Maribeth S Director | Award | 2.33K @ $31.15 | $72.5K |
| 2026-05-26 | Porter Andre T Director | Award | 2.33K @ $31.15 | $72.5K |
| 2026-05-26 | OBRIEN THOMAS MURRAY Director | Award | 2.33K @ $31.15 | $72.5K |
| 2026-05-26 | kramer william j Director | Award | 2.33K @ $31.15 | $72.5K |