Q2 2026 First Financial Bancorp Earnings Call Transcript

Jul 22, 2026 / 12:30 PM GMT

Release Date Price: $33.96 (-4.79%)

Transcript 8-K

Key Points

Positve

First Financial Bancorp (FFBC) reported a record adjusted net income of $83.9 million, or $0.80 per share, marking an 8% increase over the second quarter of 2025.
The company achieved a stable net interest margin of approximately 4%, with expectations to maintain this stability in the near term.
Loan growth was strong at 7% on an annualized basis, driven by C&I, Agile, and Summit, with loan originations increasing by 23% over the first quarter.
Asset quality remained stable, with net charge-offs declining by 15 basis points to 0.2% of total loans.
The acquisition of Finward Bancorp is expected to be 5% accretive to earnings per share, with minimal impact on tangible book value per share.

Negative

Second quarter adjusted fee income was below expectations due to lower foreign exchange, swap income, and investment banking fees.
Non-interest income saw a decline compared to the linked-quarter, despite a strong first quarter.
No shares were repurchased during the quarter as the company focused on integrating recent acquisitions.
The company anticipates a slight uptick in deposit costs, which may impact the net interest margin.
The integration of Finward Bancorp and realization of full cost savings are expected to take until the end of the third quarter of next year.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FFBC.OQ - First Financial Bancorp
Q2 2026 First Financial Bancorp Earnings Call
Jul 22, 2026 / 12:30PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Hello, everyone.

Thank you for joining us and welcome to the First Financial Bancorp Second Quarter 2026 Earnings Conference Call and Webcast.

After today's prepared remarks, we will host a question-and-answer session.

If you would like to ask a question, please press star one to raise your hand.

To withdraw your question, press star one again.

I will now hand the conference over to Scott Crawley, Corporate Controller. Scott, please go ahead.

--------------------------------------------------------------------------------
Unidentified_2 [2]
--------------------------------------------------------------------------------
Thank you, Leah. Good morning,

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.