Every 424B that First Financial Bancorp (FFBC) has filed with the SEC in the last 12 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 424B covers the supplement that carries the terms of a priced offering, so if you follow FFBC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FFBC filings page.
First Financial Bancorp. (FFBC) is offering $300,000,000 of 6.375% Fixed‑to‑Floating Rate Subordinated Notes due 2035. The notes pay a fixed 6.375% coupon semiannually to, but excluding, December 1, 2030, then float at a benchmark rate expected to be Three‑Month Term SOFR plus 300 bps, paid quarterly, with a zero floor on the benchmark.
The notes mature on December 1, 2035, are redeemable at the issuer’s option at 100% of principal plus accrued interest beginning on December 1, 2030, or earlier upon a Tax Event, Tier 2 Capital Event, or certain 1940 Act conditions, in each case subject to Federal Reserve approval. They are unsecured, rank junior to senior debt, and will not be listed. The public offering price is 100.00%, with a 1.25% underwriting discount; gross proceeds are $300,000,000 and proceeds before expenses are $296,250,000. The company expects net proceeds of approximately $295.5 million for general corporate purposes, including the potential redemption of its 5.25% subordinated notes due 2030.
Recent context includes the completed $325.0 million Westfield acquisition and a pending all‑stock merger with BankFinancial, expected in the first quarter of 2026, subject to customary approvals.
First Financial Bancorp. (FFBC) filed a preliminary prospectus supplement for a primary offering of fixed‑to‑floating rate subordinated notes due 2035. The notes pay a fixed rate until 2030, then switch to a floating rate tied to a benchmark expected to be Three‑Month Term SOFR plus a spread. The company may redeem the notes at par on interest payment dates beginning in 2030, or earlier upon a Tax Event, Tier 2 Capital Event, or if required to register under the 1940 Act, in each case subject to Federal Reserve approval.
The notes are unsecured and subordinated to senior indebtedness, effectively subordinated to subsidiary obligations, and will not be listed on an exchange. They are not deposits and are not insured by the FDIC. Net proceeds will be used for general corporate purposes, including the potential redemption of FFBC’s 5.25% subordinated notes due 2030.
Recent updates include the $325.0 million acquisition of Westfield and a pending all‑stock merger with BankFinancial valued at approximately $141.3 million, expected to close in the first quarter of 2026.
First Financial Bancorp. plans to acquire BankFinancial Corporation in an all-stock merger. BankFinancial stockholders will receive 0.480 First Financial common shares for each BankFinancial share. Based on First Financial’s August 11, 2025 closing price, the exchange ratio implied $11.34 per BankFinancial share and aggregate merger consideration of about $141.3 million.
First Financial expects to issue approximately 5.98 million new shares, after which First Financial shareholders would own about 94% and former BankFinancial stockholders about 6% of the combined company. The deal is intended to qualify as a tax-free reorganization for U.S. federal income tax purposes, except for cash paid in lieu of fractional shares.
A special meeting of BankFinancial stockholders to vote on the merger, a non-binding compensation proposal, and a possible adjournment will be held on December 18, 2025 at 11:00 a.m. CT in Oak Brook, Illinois. Conditions include BankFinancial stockholder approval, required regulatory approvals, effectiveness of the registration statement, Nasdaq listing of the new shares, accuracy of representations, and tax opinions. If the merger is not completed in certain circumstances, BankFinancial may owe a $5.0 million termination fee. BankFinancial stockholders do not have appraisal rights.