First Financial Bank

Regional bank offering personal, business banking

First Financial Bank

Regional bank offering personal, business banking

Overview

First Financial Bank is a regional bank serving individuals and local businesses. It offers personal banking products such as checking and savings accounts, mortgage and home equity loans, and digital services like online and mobile banking for remote deposits, bill pay, and account management. For businesses, it provides commercial banking tools tailored to local clients. The bank makes money mainly from interest on loans and fees for services. It stands out by focusing on local needs and security, providing resources to help customers protect themselves from fraud and by maintaining a physical network of branches and ATMs alongside digital platforms. Its goal is to help customers manage money securely and conveniently while supporting the financial needs of the regional community.

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About First Financial Bank

Simplify's Rating

Why First Financial Bank is rated

B-

Rated B on Competitive Edge

Rated B on Growth Potential

Rated C on Differentiation

Industries

Financial Services

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Cincinnati, OH

Founded

1863

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Simplify's take

What believers are saying

October 27, 2026 federal approval positions the Finward close for January 1, 2027.
Finward adds Peoples Bank centers in Chicagoland, expanding deposits and commercial lending.
Third-quarter 2026 revenue hit $273.9 million, while adjusted EPS reached $0.84.

What critics are saying

Higher rates stretched Finward's tangible book earnback to 0.9 years from 0.6.
Q2 2026 missed revenue and efficiency ratio estimates, signaling cost-control weakness.
Commercial real estate losses could erase merger accretion and force capital preservation.

What makes First Financial Bank unique

SOFR-linked loans reprice within 15-30 days, protecting margins when rates move.
First Financial's 4.07% third-quarter 2026 net interest margin beat many regional peers.
Record 2026 fee income from wealth, FX, and bank cards broadens earnings beyond spreads.

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Funding

Total Funding

$300M

Above

Industry Average

Funded Over

1 Rounds

Post IPO Debt funding comparison data is currently unavailable. We're working to provide this information soon!

Post IPO Debt Funding Comparison Coming Soon

Benefits

Performance Bonus

Stock Price

Company News

Yahoo Finance

Nov 6th, 2026

First Financial posts record $273.9M quarterly revenue as Finward merger nears approval

First Financial (NASDAQ:FFBC) reported record third-quarter 2026 revenue of $273.9 million, helped by a 4.07% net interest margin and record adjusted fee revenue of $77.6 million. The bank announced the results on its earnings call on October 28, 2026. About 60% of its loan book is tied to the Secured Overnight Financing Rate (SOFR), so loans reprice within 15-30 days when rates move. That lifts the margin ahead of rising deposit costs. The bank has regulatory approval to acquire Finward and expects to close on January 1, 2027, subject to state regulatory and Finward shareholder approvals. It expects low to mid-single-digit loan growth through the end of 2026. Its loan-to-deposit ratio is 78%.

Yahoo Finance

Oct 30th, 2026

First Financial Bancorp Q3: $274.9M revenue beats estimates on record fee income

First Financial Bancorp reported third-quarter revenue of $274.9 million, up 17.3% year on year and 1.5% above analyst estimates of $271 million. Adjusted earnings per share were $0.84, against estimates of $0.83. Record fee income and a resilient net interest margin drove the results. Chief executive officer Archie Brown pointed to strong growth in commercial and industrial lending across major metro markets, as well as gains in foreign exchange, wealth management, and bank card services. Operating expenses rose on incentive, healthcare, and credit collection costs. Management expects them to ease next quarter. Analysts also asked about the pending Finward acquisition, which chief financial officer Jamie Anderson said brings slightly more upfront dilution and a modestly longer earn-back period. The shares trade at $32.70, and market capitalisation is $3.43 billion.

Yahoo Finance

Oct 29th, 2026

First Financial shares slip 1.2% to $76.83 despite Q3 EPS jump to $2.31 and 4.51% margin

First Financial's shares fell 1.2% to $76.83 on the first full trading day after it reported third-quarter 2026 results, despite stronger earnings. Revenue rose to $75.71 million from $69.30 million a year earlier. Net income climbed to $27.44 million from $20.76 million, and basic earnings per share reached $2.31, up from $1.75. The regional lender's net interest margin widened to 4.51% from 4.25%. The stock has fallen roughly 5% over 90 days, though its seven-day and 30-day returns are modestly positive. That suggests lingering investor worry about regional banks and their sensitivity to rates and credit conditions.

PR Newswire

Oct 28th, 2026

First Financial appoints ex-Kroger executive Tim Massa to board, expanding it to 11 members

First Financial Bancorp (Nasdaq: FFBC) has appointed Timothy A. Massa to its board of directors, effective immediately. The Cincinnati-based bank holding company raised the board's size from 10 to 11 members on October 27, 2026, to make room for him. Massa, 59, has 37 years of executive human capital experience, including 16 years at Kroger and 21 years at The Procter & Gamble Company. He retired in September 2026 as Kroger's executive vice president and chief associate experience officer, and now advises the company. "Tim's background and experience are a great fit as we work to develop young professionals into senior level roles," said chief executive officer Archie Brown. First Financial had $22.3 billion in assets as of September 30, 2026.

Yahoo Finance

Oct 26th, 2026

First Financial Bancorp reports Q3 earnings Tuesday, with revenue forecast to rise 15.6%

First Financial Bancorp (NASDAQ:FFBC) will report third-quarter earnings on Tuesday after the bell. The regional bank missed analysts' revenue expectations last quarter, with revenues of $262.9 million, up 16.1% year on year. The market expects revenue to grow 15.6% year on year this quarter, up from 9.4% in the same quarter last year. Analysts have largely held their estimates over the past 30 days. The company has missed Wall Street's revenue estimates multiple times over the last two years. Among peers, Byline Bancorp reported revenue growth of 4.6%, beating estimates by 3.7%. First Citizens BancShares reported flat revenue, topping estimates by 2%. First Financial Bancorp shares are up 2.9% over the last month, trading at $32.84. The average analyst price target is $38.

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