First Financial Bancorp. (NASDAQ: FFBC) furnishes Q3 2025 earnings materials

Rhea-AI Filing Summary

First Financial Bancorp. filed a current report to share that it has released its earnings press release for the first nine months and third quarter of 2025. The release, dated October 23, 2025, details the company's results of operations and financial condition and is furnished as Exhibit 99.1.

The company also prepared electronic presentation slides for its earnings conference call, which are furnished as Exhibit 99.2 and will be available on its website, www.bankatfirst.com. These materials are being furnished, not filed, which means they are not subject to certain Exchange Act liabilities and are only incorporated into other SEC documents if specifically referenced.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 23, 2025

FIRST FINANCIAL BANCORP.

(Exact name of registrant as specified in its charter)

Ohio

001-34762

31-1042001

(State or other jurisdiction of incorporation or organization)

(Commission File Number)

(I.R.S. employer identification number)

255 East Fifth Street, Suite 900

Cincinnati,

Ohio

45202

(Address of principal executive offices)

(Zip Code)

Registrant's telephone number, including area code: (877) 322-9530

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol

Name of exchange on which registered

Common stock, No par value

FFBC

The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company     ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.     ☐

Item 2.02    Results of Operations and Financial Condition.

On October 23, 2025, First Financial Bancorp. (the "Company") issued its earnings press release that included its results of operations and financial condition for the first nine months and third quarter of 2025. A copy of the earnings press release is attached as Exhibit 99.1.

The Company also provided electronic presentation slides that will be used in connection with the earnings conference call. A copy of the electronic presentation slides is included in this Report as Exhibit 99.2 and will be available on the Company's website, www.bankatfirst.com.

The information set forth in this Current Report on Form 8-K (including the information in Exhibits 99.1 and 99.2 attached hereto) is being furnished to the Securities and Exchange Commission and is not deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act")    , or otherwise subject to the liabilities under the Exchange Act. Such information shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01    Financial Statements and Exhibits.

    (d)    Exhibits:

The following exhibits shall not be deemed to be "filed" for purposes of the Exchange Act:

    Exhibit No.    Description

    99.1 First Financial Bancorp. Press Release dated October 23, 2025

    99.2 First Financial Bancorp. presentation materials

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

    Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

                        FIRST FINANCIAL BANCORP.

						By: /s/ James M. Anderson
						James M. Anderson
						Executive Vice President and Chief Financial Officer
Date:			October 23, 2025

FAQ

What did First Financial Bancorp. (FFBC) disclose in this 8-K?

First Financial Bancorp. disclosed that it issued an earnings press release covering its results of operations and financial condition for the first nine months and third quarter of 2025, furnished as Exhibit 99.1.

Which period’s results are included in First Financial Bancorp.’s latest earnings materials?

The earnings materials cover First Financial Bancorp.’s results of operations and financial condition for the first nine months and third quarter of 2025.

What exhibits accompany First Financial Bancorp.’s October 23, 2025 8-K?

The 8-K includes Exhibit 99.1, an earnings press release dated October 23, 2025, Exhibit 99.2, presentation materials for the earnings call, and Exhibit 104, the cover page interactive data file.

Are First Financial Bancorp.’s earnings materials considered filed or furnished?

The earnings press release and presentation slides are being furnished, not filed, so they are not subject to Section 18 liabilities and are incorporated into other filings only if specifically referenced.

Where can investors access First Financial Bancorp.’s earnings presentation slides?

Investors can access the earnings presentation slides, included as Exhibit 99.2, on First Financial Bancorp.’s website at www.bankatfirst.com.

Who signed First Financial Bancorp.’s October 23, 2025 8-K?

The report was signed on behalf of First Financial Bancorp. by James M. Anderson, Executive Vice President and Chief Financial Officer.