First Financial Bancorp (NASDAQ: FFBC) posts full-year and Q4 2025 results

Rhea-AI Filing Summary

First Financial Bancorp. furnished an earnings press release and presentation covering its results of operations and financial condition for the full year and fourth quarter of 2025. The materials, dated January 28, 2026, are attached as Exhibits 99.1 and 99.2 and will also be available on the company’s website.

0000708955false00007089552026-01-282026-01-280000708955exch:XNMS2026-01-282026-01-28

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): January 28, 2026

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 January 28, 2026, First Financial Bancorp. (the "Company") issued its earnings press release that included its results of operations and financial condition for the first twelve months and fourth 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 January 28, 2026

    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:			January 28, 2026

FAQ

What does First Financial Bancorp. (FFBC) report in this 8-K?

First Financial Bancorp. furnishes an earnings press release and presentation detailing its financial results for the full year and fourth quarter of 2025. These materials provide investors with updated information on operations and financial condition as of January 28, 2026.

Where can investors find First Financial Bancorp.’s 2025 earnings materials?

The company’s 2025 earnings press release is attached as Exhibit 99.1 and the accompanying presentation slides as Exhibit 99.2. The presentation materials will also be available on First Financial Bancorp.’s website at www.bankatfirst.com for broader investor access.

Are First Financial Bancorp.’s 2025 earnings materials considered filed with the SEC?

No. The earnings press release and presentation furnished in this 8-K are not deemed “filed” under Section 18 of the Exchange Act. They also are not automatically incorporated into Securities Act or Exchange Act filings without a specific reference.

Which exhibits are included with First Financial Bancorp.’s January 28, 2026 8-K?

The 8-K includes three exhibits: Exhibit 99.1 is the earnings press release, Exhibit 99.2 is the earnings presentation materials, and Exhibit 104 is the cover page interactive data file embedded in the Inline XBRL document submitted with the report.

Who signed First Financial Bancorp.’s January 28, 2026 8-K filing?

The report was signed on behalf of First Financial Bancorp. by James M. Anderson, who serves as Executive Vice President and Chief Financial Officer. His signature confirms the company’s authorization of the information furnished in the current report.