| Metric | Value ($ M) | Q2 FY25 | Q3 FY24 |
|---|---|---|---|
| Revenue | 234.01 | 3.4% | 16.3% |
| Total Income | 234.01 | 3.4% | 16.3% |
| Expenditure | 143.33 | 3.5% | 5.1% |
| PBT | 90.68 | 3.2% | 39.8% |
| Net Profit | 71.92 | 2.7% | 37.1% |
| OPM | — | ||
| NPM | 30.73% | 0.19pp | 4.67pp |
| EPS | 0.76 | 2.7% | 35.7% |
First Financial Bancorp Reports 3Q 2025 Earnings: Net Income $71.9 million
04 May 2026 · 4 May, 8:51 am
Summary
First Financial Bancorp announced its 3Q 2025 results, highlighting strong quarterly earnings driven by a robust net interest margin and record noninterest income. Net income was reported at $71.9 million, or $0.75 per diluted share. The net interest margin (FTE) decreased slightly to 4.02%. Capital ratios remained strong, with a total capital ratio of 15.32%.
Key Highlights
- 1
First Financial Bancorp reported strong quarterly earnings driven by robust net interest margin and record noninterest income for 3Q 2025.
- 2
The adjusted earnings per share was $0.76 for the third quarter of 2025.
- 3
The net interest margin (FTE) was 4.02%, a decrease of 3 bps from the linked quarter.
- 4
Record noninterest income reached $73.5 million in 3Q 2025; $73.6 million as adjusted.
- 5
The leasing business income remained strong at $21.0 million for the quarter.
- 6
The total capital ratio was 15.32%, a 34 bp increase from the linked quarter.
- 7
Tangible book value increased $0.79, or 5.1% from the linked quarter, to $16.19.
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