First Financial Bancorp Q4 adjusted EPS hits record $0.80

First Financial Bancorp.

28/01/2026 21:28

Overview

Ohio bank's Q4 adjusted EPS reached a record $0.80

Record adjusted revenue of $251.3 mln in Q4

Company closed Westfield acquisition and obtained approval for BankFinancial acquisition

Outlook

Company did not provide specific guidance for future quarters or years

Result Drivers

NONINTEREST INCOME - Record noninterest income driven by 36.2% increase in foreign exchange income and 26.4% increase in wealth management income

LOAN AND DEPOSIT GROWTH - Loan balances increased 4% on an annualized basis, with $1.7 bln increase including Westfield acquisition; deposits rose $1.4 bln

ACQUISITION IMPACT - Westfield acquisition contributed to increased loan and deposit balances, driving overall growth

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.64
Q4 Net Income
$62.39 mln
Q4 Net Interest Income
$174 mln
Q4 Basic EPS
$0.65
Q4 CET1 Capital Ratio
11.32%
Q4 Credit Loss Allowance
$9.69 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", 4 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for First Financial Bancorp is $30.00, about 9.9% above its January 27 closing price of $27.29

The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 8 three months ago

Press Release: ID:nPn8gmBw7a

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)