Every material Form 8-K First Financial Bancorp has filed with the SEC since October 24, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
First Financial Bancorp reported third-quarter 2026 net income of $81.2 million, or $0.77 per diluted share, up from $76.5 million and $0.73 in the second quarter. Adjusted net income, a non-GAAP measure, was $87.8 million, or $0.84 per share, which the company said was the highest adjusted EPS in its history. The filing was an investor presentation furnished under Regulation FD, and it also says the pending Finward Bancorp acquisition is expected to close on 1/1/27, subject to state regulatory and Finward shareholder approvals.
Net income of $81.2 million, or $0.77 per diluted share, versus $76.5 million, or $0.73, in 2Q26; adjusted net income of $87.8 million, or $0.84 per share
Net interest income of $196.3 million; net interest margin of 4.05% on a GAAP basis, up 9 basis points from the linked quarter on a fully tax-equivalent basis to 4.07%
Finward acquisition expected to close 1/1/27; federal regulatory approval received, with state regulatory and Finward shareholder approvals still required
Board approved a quarterly dividend of $0.26 per share, to be paid in 4Q26
First Financial Bancorp's Board appointed Timothy A. Massa as a director effective October 27, 2026, and increased the Board from ten to eleven members. The filing says Massa retired from Kroger in September 2026 after serving as its executive vice president and chief associate experience officer for 12 years, and it describes his background in human capital leadership. The filing contains no financial results or guidance, so the change is a board composition update rather than a change in company performance.
Timothy A. Massa, 59, was appointed a director effective October 27, 2026, and the Board size rose from 10 to 11 directors.
Massa spent 16 years at Kroger, including 12 years on its senior leadership team, and retired on September 18, 2026.
His stock award was priced at $32.54, the October 27, 2026 closing price, and vests at the 2027 annual meeting.
Massa is expected to stand for election by shareholders at the 2027 annual meeting.
First Financial Bancorp reported record third-quarter 2026 results, with net income of $81.2 million, or $0.77 per diluted share, up from $76.5 million, or $0.73, in the second quarter. The board also approved a quarterly dividend of $0.26 per share, and the company said Federal regulatory approval has been received for its Finward acquisition, which it expects to close on January 1, 2027.
Q3 2026 net income of $81.2 million, or $0.77 per diluted share, versus $76.5 million, or $0.73, in Q2 2026
Nine-month 2026 diluted EPS of $2.21 versus $2.02 for the same period in 2025
Net interest margin of 4.05%; noninterest expenses of $165.7 million, or $156.9 million adjusted
Quarterly dividend of $0.26 per share payable December 15, 2026; tangible book value per share fell to $15.65
First Financial Bancorp appointed James M. Anderson as president of the Company and First Financial Bank effective September 14, 2026, as part of its succession planning. Anderson keeps his role as chief financial officer and gives up the chief operating officer post, which Malcolm A. Myers took on the same day. The filing also sets new pay terms for several executives and updates severance terms for CEO Archie M. Brown.
James M. Anderson appointed president effective September 14, 2026, while retaining the CFO role; he no longer serves as COO
Amanda N. Neeley named chief banking officer and Malcolm A. Myers named chief operating officer, both effective September 14, 2026
Anderson's base salary rises 4.9% to $640,000; Brown receives a one-time restricted stock grant valued at $3 million
Brown's amended employment agreement provides three years of base salary in cash severance if terminated without cause or for good reason
First Financial Bancorp agreed on July 21, 2026 to acquire Finward Bancorp, parent of Peoples Bank, in an all-stock merger valued at about $208 million, with the deal expected to close in the fourth quarter of 2026. The company also reported second-quarter net income of $76.5 million, or $0.73 per diluted share, up from $0.71 in the first quarter, and raised its quarterly dividend to $0.26. The company says the deal is about 5% accretive to earnings per share, with an estimated 0.4% dilution to tangible book value per share at closing.
Each Finward share converts into 1.35 First Financial shares; the deal is valued at about $208 million based on the July 20, 2026 closing price.
Closing requires Finward shareholder approval and regulatory approvals, including from the Federal Reserve and the Ohio Division of Financial Institutions; a $9.0 million termination fee is payable by Finward in certain circumstances.
Second-quarter net income was $76.5 million, or $0.73 per diluted share, versus $0.71 in the first quarter; adjusted EPS of $0.80 was described as a company record.
Quarterly dividend increased to $0.26, payable September 15, 2026 to holders of record on September 1, 2026.
At its May 26, 2026 annual meeting, First Financial Bancorp shareholders approved a 2026 Stock Plan that reserves 3.85 million common shares for equity awards to directors, executive officers and other eligible participants. Shareholders also elected all ten director nominees to one-year terms ending in 2027, ratified Crowe LLP as auditor for 2026, and approved the advisory say-on-pay vote.
The 2026 Stock Plan reserves 3.85 million shares of common stock and expires May 26, 2036.
All ten director nominees were elected, including Anne L. Arvia and Dawn C. Morris, with terms ending in 2027.
Shareholders ratified Crowe LLP as the independent registered accounting firm for the fiscal year ending December 31, 2026, with 93,734,321 votes for.
Shareholders approved the advisory vote on executive compensation with 82,796,507 votes for and 1,198,027 against.
First Financial Bancorp reported first-quarter 2026 net income of $74.4 million, or $0.71 per diluted share, up from $62.4 million, or $0.64, in the fourth quarter of 2025 and $51.3 million, or $0.54, a year earlier. The Board also authorized a new repurchase plan of up to 5,000,000 shares, about 4.8% of shares outstanding as of March 31, 2026, which expires December 31, 2027.
Q1 2026 net income $74.4 million, or $0.71 per diluted share, versus $0.64 in Q4 2025 and $0.54 in Q1 2025; adjusted EPS was $0.77 (non-GAAP)
Noninterest expenses were $169.4 million, including $14.3 million of acquisition-related expenses; the BankFinancial acquisition closed January 1, 2026
Repurchase plan of up to 5,000,000 shares, effective April 21, 2026, replaces the plan that expired December 31, 2025
Total loans rose $70.8 million to $13.5 billion, including $227.7 million acquired from BankFinancial
First Financial Bancorp reported fourth-quarter 2025 net income of $62.4 million, or $0.64 per diluted share, down from $71.9 million, or $0.75, in the third quarter. For the full year, diluted EPS rose to $2.66 from $2.40 in 2024, and the board approved a $0.25 quarterly dividend. The company said adjusted fourth-quarter EPS of $0.80 was a record, excluding items including a $12.6 million loss on securities.
Q4 2025 net income $62.4 million, or $0.64 per diluted share, versus $71.9 million, or $0.75, in Q3 2025
Full-year 2025 net income $255.6 million, or $2.66 per diluted share, versus $228.8 million, or $2.40, in 2024
Q4 noninterest income was $64.8 million, including a $12.6 million loss on securities; adjusted figure was $77.3 million
Board approved a $0.25 quarterly dividend payable March 16, 2026 to shareholders of record as of March 2, 2026
First Financial Bancorp completed its merger with Chicago-based BankFinancial Corporation on January 1, 2026, and merged BankFinancial's bank into First Financial Bank. Each BankFinancial share was converted into 0.480 of a First Financial common share, and the company says the combined business will have $22 billion in assets and 18 Chicago-area financial centers from BankFinancial. The filing gives no financial results or purchase price for the deal, so its effect on earnings is not stated.
Merger completed January 1, 2026; First Financial Bank is the surviving bank in the bank merger
Exchange ratio: 0.480 of a First Financial common share for each BankFinancial share
BankFinancial brings 18 financial centers in the Chicago area; combined assets to be $22 billion
BankFinancial branches keep their name until the systems conversion, anticipated in June 2026
First Financial Bancorp completed the sale of $300 million of 6.375% fixed-to-floating rate subordinated notes due 2035 on November 10, 2025. Net proceeds are approximately $296.3 million before offering expenses, which the company plans to use for general corporate purposes, including a potential redemption of its 5.25% subordinated notes due 2030. The filing describes new debt that adds to the company's obligations, but it does not report a change in earnings or guidance.
Principal of $300 million; fixed rate of 6.375% until December 1, 2030, then a floating rate of Three-Month Term SOFR plus 300 basis points until maturity on December 1, 2035
Net proceeds of approximately $296.3 million after a 1.25% underwriting discount, before offering expenses
Proceeds may fund a potential redemption of the company's 5.25% subordinated notes due 2030
Notes rank junior to all senior indebtedness and are not guaranteed by subsidiaries; underwriters were Keefe, Bruyette & Woods and Janney Montgomery Scott
First Financial Bancorp reported third-quarter 2025 net income of $71.9 million, or $0.75 per diluted share, up from $70.0 million, or $0.73, in the second quarter. The company said total revenue reached a record $234 million, and nine-month diluted EPS was $2.02 compared with $1.72 a year earlier. The company also received regulatory approval for its Westfield Bank acquisition, which is expected to close November 1, 2025, while end-of-period loan balances fell $71.6 million during the quarter.
Q3 2025 net income $71.9 million, or $0.75 per diluted share, versus $70.0 million, or $0.73, in Q2 2025
Nine-month 2025 diluted EPS of $2.02 versus $1.72 for the same period in 2024
End-of-period loan balances decreased $71.6 million during the third quarter
Regulatory approval received for Westfield Bank acquisition, expected to close November 1, 2025
First Financial Bancorp signed a merger agreement to acquire Chicago-based BankFinancial Corporation in an all-stock transaction. The filing says each BankFinancial share will convert into 0.480 of a First Financial share, and the deal is expected to close in the fourth quarter of 2025, subject to shareholder, regulatory and other approvals. Shareholders of First Financial will see new shares issued, and the company expects the deal to be accretive to earnings per share.
Each BankFinancial common share converts into 0.480 of a First Financial common share.
The press release values the transaction at approximately $142 million, based on First Financial's August 8, 2025 closing price.
Expected closing in the fourth quarter of 2025, subject to BankFinancial stockholder approval and regulatory approvals.
A termination fee of $5.0 million is payable by BankFinancial to First Financial in certain circumstances; pro forma deposits are stated as $2.2 billion.
First Financial Bancorp reported second-quarter 2025 net income of $70.0 million, or $0.73 per diluted share, up from $51.3 million, or $0.54, in the first quarter. The company said revenue of $226.3 million was a quarterly record, and its board raised the quarterly dividend to $0.25 per share from $0.24, which gives shareholders a higher payout.
Q2 2025 net income of $70.0 million and diluted EPS of $0.73, versus $51.3 million and $0.54 in Q1 2025 and $60.8 million and $0.64 in Q2 2024
Record quarterly revenue of $226.3 million, which the company said was up 5% from the same quarter a year earlier
Quarterly dividend increased to $0.25 per share, payable September 15, 2025, to holders of record as of September 2, 2025
Pending acquisition of Westfield Bank; the company expects approval and closing to occur in 2025
First Financial Bancorp agreed on June 23, 2025 to acquire Westfield Bancorp, the holding company of Westfield Bank, FSB, from Ohio Farmers Insurance Company for a total purchase price of $325 million. The deal is paid with $260 million in cash and 2,753,094 new First Financial shares valued at $65 million, and is expected to close in the fourth quarter of 2025 subject to regulatory approvals. The company's investor presentation projects 12.4% EPS accretion in 2026 but also 8.1% tangible book value dilution, so shareholders would weigh higher earnings against a larger share count and lower tangible book value per share.
Total purchase price of $325 million: $260 million in cash plus 2,753,094 shares of common stock valued at $65 million
Expected closing in the fourth quarter of 2025, subject to regulatory approvals; no First Financial shareholder vote required
Investor presentation projects 12.4% EPS accretion in 2026 and 8.1% tangible book value per share dilution, with a 2.9-year earnback
Westfield Bancorp had $2.2 billion in assets and $1.9 billion in deposits as of March 31, 2025, per the investor presentation
First Financial Bancorp reported first quarter 2025 net income of $51.3 million, or $0.54 per diluted share, compared with $64.9 million, or $0.68 per share, in the fourth quarter of 2024. The results include a $9.9 million loss on sales of investment securities, and adjusted diluted EPS was $0.63; the company's diluted EPS was $0.53 in the first quarter of 2024. Management said it expects the net interest margin to expand in the near term.
Net income of $51.3 million, or $0.54 per diluted share, versus $64.9 million, or $0.68, in Q4 2024
Adjusted diluted EPS of $0.63; noninterest income of $51.1 million includes a $9.9 million loss on investment securities sales
Net interest margin of 3.84% (3.88% fully tax-equivalent), a 6 basis point decline from Q4 2024
Conference call scheduled for Friday, April 25, 2025 at 8:30 a.m. Eastern Time
First Financial Bancorp (FFBC) said director Cynthia Booth notified the company on March 26, 2025, that she will retire at the end of her current term and will not stand for re-election at the 2025 Annual Meeting of Shareholders on May 27, 2025. The company said her decision is not the result of any disagreement with management or the board on operations or practices.
Cynthia Booth notified the company on March 26, 2025 of her retirement decision.
She will not stand for re-election at the annual meeting to be held May 27, 2025.
The company stated the decision did not result from any disagreement with management or the board.
The filing includes only the Inline XBRL cover page exhibit; no financial results are reported.
First Financial Bancorp reported fourth quarter 2024 net income of $64.9 million, or $0.68 per diluted share, up from $52.5 million, or $0.55, in the third quarter. For the full year, diluted earnings per share fell to $2.40 from $2.69 in 2023, and net income fell to $228.8 million from $255.9 million, so shareholders saw a sequential improvement but a lower annual result.
Q4 2024 net income of $64.9 million, or $0.68 per diluted share, versus $52.5 million, or $0.55, in Q3 2024
Full-year 2024 diluted EPS of $2.40 versus $2.69 in 2023; net income of $228.8 million versus $255.9 million
Q4 adjusted EPS of $0.71 (non-GAAP); net interest margin on a fully tax-equivalent basis of 3.94%, down from 4.08% in Q3
Q4 noninterest expenses of $147.9 million included $14.3 million of tax credit writedowns
First Financial Bancorp reported third quarter 2024 net income of $52.5 million, or $0.55 per diluted share, down from $60.8 million, or $0.64, in the second quarter. The decline reflects a $17.5 million net loss on investment securities, which the company describes as a large non-recurring item; on an adjusted basis, diluted EPS was $0.67. The board approved a quarterly dividend of $0.24 per share, up from $0.23 in the prior quarter.
Q3 2024 net income $52.5 million, or $0.55 diluted EPS, vs. $60.8 million, or $0.64, in Q2 2024
Net loss on investment securities of $17.5 million in Q3, including a $9.7 million impairment on two bonds
Adjusted diluted EPS of $0.67 (non-GAAP); net interest margin of 4.05%, or 4.08% fully tax-equivalent
Quarterly dividend of $0.24 per share, payable December 16, 2024 to holders of record as of December 2, 2024
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