First Financial Bancorp

Q3 FY2026 EarningsQ3 FY26 results presented a mixed profile with a top-line beat but a bottom-line miss. Revenue reached $273.9M, exceeding the $271.0M consensus by 1.07%, while Net Interest Margin (FTE) outperformed at 4.07% vs. 4.00% expected. However, Diluted EPS of $0.77 missed the $0.81 consensus by 4.94%, primarily due to elevated noninterest expenses of $165.7M and a $9.0M provision for credit losses. Management expects the Finward Bancorp acquisition to close in January 2027, which will continue to drive scale but likely keep integration expenses high in the near term.