Revenue: As of FY2026 Q2, the actual value is USD 264.17 M.

EPS: As of FY2026 Q2, the actual value is USD 0.73, missing the estimate of USD 0.7757.

EBIT: As of FY2026 Q2, the actual value is USD 94.44 M.

Financial Metrics for First Financial Bancorp. (第二季度 2026)

Segment Revenue

• Net Interest Income: $190.4 million.
• Noninterest Income: $73.8 million ($71.9 million as adjusted).
  • Leasing business income: $22.8 million, a 5.3% increase from the first quarter.
  • Other noninterest income: Increased $3.6 million, or 111.3%, from the linked quarter due to higher income from bank owned life insurance and limited partnership investments.
  • Foreign exchange income: $13.1 million.
  • Wealth management fees: $8.2 million, a decrease of $2.2 million or 21.3% from the first quarter.
  • Client derivative fee income: $1.4 million, a decrease of $2.6 million or 64% from the linked quarter.
  • Mortgage banking: $6.7 million.
  • Gain on bargain purchase: $3.2 million.

Operational Metrics

• Net Income: $76.5 million ($83.9 million as adjusted).
• Noninterest Expense: $161.5 million ($149.1 million as adjusted).
  • Adjusted noninterest expense decreased $5.7 million, or 3.7%, from the linked quarter, driven by lower compensation costs.
  • Salaries and benefits: $86.9 million.
  • Occupancy and equipment: $11.8 million.
  • Data processing: $13.6 million.
  • Professional services: $7.4 million.
  • Intangible amortization: $6.2 million.
  • Leasing business expense: $14.6 million.
  • Other noninterest expense: $21.0 million.
• Efficiency Ratio: 61.2% (56.8% as adjusted).
• Effective Tax Rate: 19.0% (20.1% as adjusted).
• Return on Average Assets: 1.37% (1.50% as adjusted).
• Return on Average Shareholders’ Equity: 10.39% (11.40% as adjusted).
• Return on Average Tangible Common Equity: 17.95% (19.70% as adjusted).
• Adjusted Pre-tax, Pre-provision return on assets: 2.03%.
• Provision Expense: $8.2 million.
• Net Charge-offs (NCOs): $6.7 million.
• NCOs / Average Loans: 0.20% annualized, a 15 basis point decline from the first quarter.
• Classified Assets / Total Assets: 1.01%.
• Nonperforming Assets (NPA) / Total Assets: 0.43%.
• Allowance for Credit Losses (ACL) / Total Loans: 1.38%, a 2 basis point increase from the first quarter.
  • Total ACL: $208.2 million.
  • ACL for loans and leases: $189.9 million.
  • ACL for unfunded commitments: $18.3 million.
• Total Capital Ratio: 15.75%, a 5 basis point increase from the linked quarter.
• Tier 1 Common Equity Ratio: 12.33%, an 11 basis point increase from the linked quarter.
• Tangible Common Equity (TCE) Ratio: 8.24% (9.30% excluding - $223.7 million of AOCI).
• Tangible Book Value (TBV) Per Share: $16.64, an increase of $0.49 or 3.0% from the linked quarter.
• Common Dividend: The Board of Directors approved a $0.01 quarterly dividend increase to $0.26, to be paid in 3Q26.

Unique Metrics

• End of Period (EOP) Assets: Decreased by $340.1 million compared to the linked quarter, totaling $22.4 billion.
• EOP Loans: Increased by $240.1 million compared to the linked quarter, reaching $13.7 billion, representing an annualized growth of 7.1%.
• Average Deposits: Increased by $41.2 million compared to the linked quarter, totaling $17.7 billion.
• EOP Investment Securities: Decreased by $222.9 million compared to the linked quarter.
• Net Interest Margin: 3.96% on a GAAP basis; 3.98% on a fully tax equivalent basis.
• Total Loans: $13.7 billion, with ICRE at $3,803 million (28%), Commercial & Small Business Banking at $3,966 million (29%), Oak Street at $1,172 million (8%), Summit at $1,226 million (9%), Agile at $377 million (3%), Consumer at $1,265 million (9%), and Mortgage at $1,926 million (14%).
• Net Loan Change-LOB (Linked Quarter): ICRE increased by $20.6 million, Commercial & Small Business Banking increased by $85.7 million, Oak Street decreased by - $12.6 million, Summit increased by $51.0 million, Agile increased by $79.1 million, Consumer increased by $26.7 million, and Mortgage decreased by - $10.4 million.
• Total Deposits: $17.7 billion, including Noninterest-bearing at $3,631 million (20%), Interest-bearing demand at $2,412 million (14%), Savings at $1,181 million (7%), Money Market at $4,482 million (25%), Retail CDs at $2,463 million (14%), Brokered Deposits at $1,337 million (8%), and Public Funds at $2,181 million (12%).
• Borrowing Capacity & Cash/Investment Liquidity (as of June 30, 2026): Total borrowing capacity was $6,288,454,000, with borrowing capacity in excess of adjusted uninsured deposits at $1,433,000,000, and borrowing capacity as a % of adjusted uninsured deposits at 129.5%.
• Acquisition Update: First Financial Bancorp. is acquiring Finward Bancorp. in a $210 million transaction, expected to result in 5.0% earnings per share accretion and a -0.4% tangible book value dilution at closing.
• Merger Agreement Details: On July 21, 2026, First Financial Bancorp. (第一金融银行股份) entered into a Merger Agreement with Finward Bancorp, where each share of Finward Bancorp common stock will be converted into 1.35 shares of First Financial Bancorp. common stock.

Outlook Commentary

First Financial Bancorp. anticipates mid-single digit annualized loan balance growth and low single digit core deposit growth. The net interest margin is projected to be between 3.96% and 4.01%, assuming stable rates and accretion income consistent with 2Q26. Total noninterest expense is forecast at $149 - $152 million, while total fee income is expected to be $74 - $77 million, including $15 - $17 million from foreign exchange and $22 - $24 million from leasing business income. The merger with Finward Bancorp is expected to close in the fourth quarter of 2026, subject to regulatory and shareholder approvals.