FFBC Files 8-K Furnishing Investor Presentation, Not Filed for Incorporation

Rhea-AI Filing Summary

First Financial Bancorp filed a Current Report announcing that an investor presentation is attached as Exhibit 99.1 and that its executive officers intend to use the materials, in whole or in part, in meetings with investors and analysts. The company explicitly states the presentation is furnished for informational purposes and is not intended to be treated as "filed" under the Securities Exchange Act or incorporated by reference into Securities Act filings. The report also lists an Inline XBRL cover page interactive data file as Exhibit 104.

Positive

• Investor presentation furnished as Exhibit 99.1, providing a direct communication channel between management and investors
• Clear legal statement that the presentation is furnished and not filed, limiting unintended incorporation into other SEC filings
• Inline XBRL cover page (Exhibit 104) included to support interactive data accessibility

Negative

• None.

Insights

Financial Analyst

TL;DR Company furnished an investor presentation for use in investor meetings; no financial details disclosed, so immediate market impact is limited.

The filing communicates that management will use an investor presentation (Exhibit 99.1) in meetings with investors and analysts and clarifies that the presentation is furnished rather than filed. Because the document does not include earnings, guidance, transaction details, or material financial metrics, it is a routine disclosure focused on communication rather than a substantive operational update. Investors should view this as a transparency step but not a material event.

Corporate Governance Expert

TL;DR Disclosure follows SEC practice of furnishing investor materials while limiting incorporation by reference; governance implications are routine.

The registrant appropriately notes that the investor presentation is furnished and not filed, which limits legal incorporation into future filings. This is standard governance practice to provide investor communications while managing disclosure scope. The filing contains no executive changes, related-party transactions, or triggering events that would suggest governance concerns. Documentation of the exhibit numbers maintains regulatory clarity.

0000708955false00007089552025-08-212025-08-210000708955exch:XNMS2025-08-212025-08-21

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): August 21, 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))

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 7.01    Regulation FD Disclosure.

The executive officers of First Financial Bancorp. intend to use the materials filed herewith, in whole or in part, in one or more meetings with investors and analysts. A copy of the investor presentation is attached hereto as Exhibit 99.1.

First Financial Bancorp. does not intend for this Item 7.01 or Exhibit 99.1 to be treated as “filed” for purposes of the Securities Exchange Act of 1934, as amended, or incorporated by reference into its filings under the Securities Act of 1933, as amended.

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. Investor Presentation

    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:			August 21, 2025

FAQ

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

The company furnished an investor presentation (Exhibit 99.1) and stated executives intend to use it in meetings with investors and analysts.

Is the investor presentation filed with the SEC for incorporation by reference?

No. The company explicitly states the presentation is furnished and is not intended to be treated as filed or incorporated by reference into Securities Act filings.

Does the 8-K include financial results or guidance?

No. The document does not contain earnings, guidance, or other financial metrics.

Which exhibits are listed in the filing?

Exhibit 99.1 (Investor Presentation) and Exhibit 104 (Cover Page Interactive Data File) are listed.

Will management use the materials publicly?

The filing states executive officers intend to use the materials, in whole or in part, in meetings with investors and analysts.