First Financial Bancorp (NASDAQ: FFBC) released its third‑quarter 2025 financial results on October 23, 2025, reporting net income of $71.9 million and diluted earnings per share of $0.75, up from $70.0 million and $0.73 in the second quarter. The bank’s net interest margin expanded to 3.99% on a fully tax‑equivalent basis, while its return on average assets rose to 1.54% and return on tangible common equity climbed to 19.11%.
The company highlighted continued asset‑quality stability, noting non‑performing assets remained flat at 0.32% of total assets and annualized net charge‑offs fell to 18 basis points. Management also announced that regulatory approval for the acquisition of Westfield Bank has been secured, with a closing date set for November 1, and that the application for the acquisition of BankFinancial is in process, expected to close in early 2026. These developments signal strategic expansion beyond its core regional footprint.
First Financial’s earnings beat analyst expectations, driven by robust net interest income and record non‑interest income, and the company reaffirmed its focus on deposit‑cost efficiency and workforce‑efficiency initiatives. The Q3 results, coupled with the acquisition approvals, provide investors with a clear view of the bank’s financial health and growth trajectory for the remainder of 2025 and into 2026.
The content on BeyondSPX is for informational purposes only and should not be construed as financial or investment advice. We are not financial advisors. Consult with a qualified professional before making any investment decisions. Any actions you take based on information from this site are solely at your own risk.