Every material Form 8-K First Financial Bancorp filed with the SEC in 2025, 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 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
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every First Financial Bancorp filing is on SEC EDGAR ↗. 8-K briefs of other companies →