NASDAQ:FFBC
First Financial Ban. Stock Earnings Reports
$23.15
-0.0600 (-0.259%)
At Close: Jun 20, 2025
First Financial Ban. Earnings Calls
Mar 31, 2025
Release date | Apr 24, 2025 |
EPS estimate | $0.630 |
EPS actual | $0.630 |
Revenue estimate | 215.025M |
Revenue actual | 291.502M |
Revenue Surprise | 35.57% |
Dec 31, 2024
$0.710 (9.23%)
Release date | Jan 23, 2025 |
EPS estimate | $0.650 |
EPS actual | $0.710 |
EPS Surprise | 9.23% |
Revenue estimate | 210.3M |
Revenue actual | 224.253M |
Revenue Surprise | 6.63% |
Sep 30, 2024
$0.550 (-16.67%)
Release date | Oct 24, 2024 |
EPS estimate | $0.660 |
EPS actual | $0.550 |
EPS Surprise | -16.67% |
Revenue estimate | 214.275M |
Revenue actual | 201.261M |
Revenue Surprise | -6.07% |
Jun 30, 2024
$0.640 (8.47%)
Release date | Jul 25, 2024 |
EPS estimate | $0.590 |
EPS actual | $0.640 |
EPS Surprise | 8.47% |
Revenue estimate | 207.2M |
Revenue actual | 314.284M |
Revenue Surprise | 51.68% |
Last 4 Quarters for First Financial Ban.
Below you can see how FFBC performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
Jun 30, 2024
Beat
Release date | Jul 25, 2024 |
Price on release | $27.06 |
EPS estimate | $0.590 |
EPS actual | $0.640 |
EPS surprise | 8.47% |
Date | Price |
---|---|
Jul 19, 2024 | $26.01 |
Jul 22, 2024 | $26.26 |
Jul 23, 2024 | $26.68 |
Jul 24, 2024 | $26.30 |
Jul 25, 2024 | $27.06 |
Jul 26, 2024 | $28.09 |
Jul 29, 2024 | $27.30 |
Jul 30, 2024 | $27.49 |
Jul 31, 2024 | $27.36 |
4 days before | 4.04% |
4 days after | 1.11% |
On release day | 3.81% |
Change in period | 5.19% |
Sep 30, 2024
Missed
Release date | Oct 24, 2024 |
Price on release | $25.43 |
EPS estimate | $0.660 |
EPS actual | $0.550 |
EPS surprise | -16.67% |
Date | Price |
---|---|
Oct 18, 2024 | $26.04 |
Oct 21, 2024 | $25.12 |
Oct 22, 2024 | $25.30 |
Oct 23, 2024 | $25.48 |
Oct 24, 2024 | $25.43 |
Oct 25, 2024 | $24.38 |
Oct 28, 2024 | $26.33 |
Oct 29, 2024 | $25.91 |
Oct 30, 2024 | $26.04 |
4 days before | -2.34% |
4 days after | 2.40% |
On release day | -4.13% |
Change in period | 0% |
Dec 31, 2024
Beat
Release date | Jan 23, 2025 |
Price on release | $27.99 |
EPS estimate | $0.650 |
EPS actual | $0.710 |
EPS surprise | 9.23% |
Date | Price |
---|---|
Jan 16, 2025 | $27.55 |
Jan 17, 2025 | $27.95 |
Jan 21, 2025 | $28.07 |
Jan 22, 2025 | $27.95 |
Jan 23, 2025 | $27.99 |
Jan 24, 2025 | $27.73 |
Jan 27, 2025 | $28.23 |
Jan 28, 2025 | $27.73 |
Jan 29, 2025 | $27.66 |
4 days before | 1.60% |
4 days after | -1.18% |
On release day | -0.93% |
Change in period | 0.399% |
Mar 31, 2025
Release date | Apr 24, 2025 |
Price on release | $24.00 |
EPS estimate | $0.630 |
EPS actual | $0.630 |
Date | Price |
---|---|
Apr 17, 2025 | $22.65 |
Apr 21, 2025 | $22.63 |
Apr 22, 2025 | $23.40 |
Apr 23, 2025 | $23.83 |
Apr 24, 2025 | $24.00 |
Apr 25, 2025 | $22.93 |
Apr 28, 2025 | $23.17 |
Apr 29, 2025 | $23.42 |
Apr 30, 2025 | $23.15 |
4 days before | 5.96% |
4 days after | -3.54% |
On release day | -4.46% |
Change in period | 2.21% |
First Financial Ban. Earnings Call Transcript Summary of Q1 2025
Summary of Key Points from First Financial Bancorp Q1 2025 Earnings Conference Call
Financial Performance:
- Adjusted Earnings Per Share: $0.63, with a Return on Assets (ROA) of 1.33% and a Return on Tangible Common Equity (ROTE) of 17.8%.
- Net Interest Margin: Slight decline to 3.88%, attributed to a greater decrease in loan yields compared to deposit costs. Expected to stabilize and potentially expand in the near term.
- Loan Balances: Remained stable with first-quarter production lower due to seasonal factors and specific loan workout pressures. A modest growth projection is expected for the second quarter, although some challenges remain in the ICRE portfolio.
- Fee Income: Totaled $61 million, which was influenced by seasonal fluctuations and decreased foreign exchange income. Anticipations for recovery in Q2.
Expense Management:
- Non-Interest Expenses: Reduced by 3.3% due to lower incentive compensation and fraud losses.
- Employee Count: A 7% reduction in Full-Time Equivalents (FTEs) due to ongoing efficiency efforts.
Asset Quality:
- Improved metrics with a 9.5% decrease in non-performing assets and a decline in net charge-offs by four basis points.
- Allowance for Credit Losses (ACL): Remained the same at 1.33% of total loans, with expectations for stability or slight increases ahead.
Capital Position:
- Regulatory capital ratios are strong, with tangible common equity ratio increasing to 8.2% and tangible book value per share rising to $14.80 (up 5% from the previous quarter).
- 45% of earnings were returned to shareholders as dividends during the period.
Outlook:
- Second Quarter Guidance: Expectations include continued pressure on loan growth due to elevated payoffs, primarily within the ICRE sector.
- Projected fee income for Q2 is estimated to range between $64 million and $66 million.
- Non-interest expenses for the quarter are forecasted to be between $126 million and $128 million.
- Core deposit balances are expected to see modest growth, with a noted benefit from reduced deposit costs.
Economic Environment Impact:
- Ongoing uncertainty regarding tariffs and macroeconomic conditions is being monitored closely, with active communication with clients to understand impacts.
- Despite concerns, initial indications suggest stronger activity and loan pipelines than anticipated.
Strategic Focus:
- The company views investments in associate engagement and community commitment as central to its strategy, recently receiving recognition for its workplace engagement and positive CRA ratings.
Investors should monitor the bank's performance against its growth expectations, particularly influenced by economic conditions and sector-specific challenges, as well as capital management and dividend policies.
First Financial Ban. Earnings History
Earnings Calendar
FAQ
When is the earnings report for FFBC?
First Financial Bancorp. (FFBC) has scheduled its earnings report for Jul 24, 2025 before the markets open.
What is the FFBC price-to-earnings (P/E) ratio?
FFBC P/E ratio as of Jun 20, 2025 (TTM) is 9.57.
What is the FFBC EPS forecast?
The forecasted EPS (Earnings Per Share) for First Financial Bancorp. (FFBC) for the first fiscal quarter 2025 is $0.690.
What are First Financial Bancorp.'s retained earnings?
On its balance sheet, First Financial Bancorp. reported retained earnings of $291.50 million for the latest quarter ending Mar 31, 2025.
What Is an Earnings Report?
An earnings report is usually issued quarterly (Q1, Q2, Q3 & Q4) by public companies to report their performance. Earnings reports typically include net income, earnings per share, earnings from continuing operations, and net sales. Looking at the earnings report investors can start gauge the financial health of the company and make even better decisions whether to buy, sell, or stay in the company. Fundamental analysts and value investors will typically hunt for stocks that continue to show good financial ratios and use a decline as an exit point. One of the most anticipated numbers for analysis is earnings per share because it indicates how much the company earned for its shareholders. The report will also indicate a possible dividend.
Earnings Report Content
Earnings reports generally provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. These figures are typically measured against previous quarters/years. Furthermore, the earnings report usually includes a summary and analysis from the CEO or company spokesman, alongside a more general view of the financials and future forecast.
What To Know About Earnings Reports?
Announcement of earnings for a stock, particularly for well followed large-capitalization stocks, can move the market. Stock prices can fluctuate wildly on days when the quarterly earnings report is released. Despite good reports, stocks may very well fall if the investors were expecting more or they believe the next quarter will not be as good. Investors always try to be ahead of the market and future earnings/losses are often discounted into the current price of the stock. It is natural for stocks to start to move in either direction a few days before the release of an earnings report.