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First Financial Bancorp. reported strong second-quarter 2026 performance, marking its 143rd consecutive profitable quarter. As of June 30, 2026, assets were $22.4B, with loans of $13.7B and deposits of $17.6B. Net income was $76.5M, or $0.73 per diluted share, while adjusted net income reached $83.9M, or a record $0.80 per share. Adjusted return on assets was 1.50% and adjusted return on average tangible common equity 19.70%, supported by a fully tax-equivalent net interest margin of 3.98% and 7.1% annualized loan growth.
Asset quality remained conservative, with net charge-offs of $6.7M, or 0.20% of average loans, an allowance for credit losses equal to 1.38% of total loans, nonperforming assets at 0.43% of total assets, and classified assets at 1.01%. The Tier 1 common equity ratio was 12.33% and total capital 15.75%. Tangible book value per share was $16.64, up 3.0% from the prior quarter, and the quarterly dividend was increased to $0.26 per share.
Management also detailed an all-stock acquisition of Finward Bancorp, a $2.0B-asset institution with $1.7B in deposits and $412M of assets under management in the Chicago and Northwest Indiana markets. The deal values Finward at $208M based on a fixed 1.35x exchange ratio and is expected to be about 5.0% accretive to earnings per share, with only 0.4% tangible book value dilution and a 0.6-year earnback. Pro forma Chicago-area deposits would increase 75% to $4.1B, enhancing First Financial’s Midwest franchise, subject to regulatory and Finward shareholder approvals.
First Financial Bancorp. agreed to acquire Finward Bancorp and reported strong second‑quarter 2026 results. The all‑stock merger will convert each Finward share into 1.35 First Financial shares, valuing the deal at approximately $208 million, and is expected to close in the fourth quarter of 2026, subject to Finward shareholder and regulatory approvals.
Finward has about $2.0 billion in assets, $1.7 billion in deposits, $1.5 billion in loans and $412 million in assets under management, adding 24 locations and lifting First Financial’s pro forma Chicago‑area deposits by 75% to over $4 billion. The transaction is expected to be roughly 5% EPS accretive, with only about 0.4% estimated tangible book value dilution and a 0.6‑year tangible book value earnback period.
For the three months ended June 30, 2026, First Financial generated net income of $76.5 million, diluted EPS of $0.73 and record adjusted EPS of $0.80, with a 1.37% return on average assets, 17.95% return on average tangible common equity (19.7% adjusted) and a 3.98% net interest margin on a fully tax‑equivalent basis. Loans grew $240 million (7.1% annualized), net charge‑offs were 0.20% of total loans, and the allowance for credit losses equaled 1.38% of loans. Capital remained strong, including a 15.75% total capital ratio and 12.33% common equity Tier 1 ratio. The board increased the quarterly dividend to $0.26 per share, payable September 15, 2026.
FIRST FINANCIAL BANCORP /OH/ director Maribeth S. Rahe received a grant of 468 shares of Common Stock. The shares were awarded on June 30, 2026 at a value of $33.83 per share, described as a “grant, award, or other acquisition.”
After this non-derivative award, Rahe directly owns 71,884 shares of First Financial Bancorp common stock, reflecting a routine compensation-related increase in her equity holdings rather than an open-market purchase.
Porter Andre T reported acquisition or exercise transactions in this Form 4 filing.
First Financial Bancorp director Andre T. Porter received a grant of 160 shares of Common Stock at $33.83 per share. This was a compensation-related award, not an open-market purchase, and increased his directly held position to 17,487 shares following the transaction.
OBRIEN THOMAS MURRAY reported acquisition or exercise transactions in this Form 4 filing.
FIRST FINANCIAL BANCORP director Thomas Murray O’Brien reported a small equity award of company common stock. He received a grant of 80 shares at $33.83 per share, increasing his directly held stake to 5,365 shares. He also reports 46,480 shares held indirectly through a revocable trust.
Arvia Anne L reported acquisition or exercise transactions in this Form 4 filing.
FIRST FINANCIAL BANCORP director Anne L. Arvia received a grant of 468 shares of common stock on June 30, 2026, valued at $33.83 per share. After this award, she directly owns 13,531 shares of the company’s common stock.
FIRST FINANCIAL BANCORP /OH/ President & CEO Archie M. Brown reported an open-market sale of 10,000 shares of Common Stock of FFBC at $30.93 per share. After this sale, he directly holds 243,758 Common shares and indirectly holds 50,594.3537 shares through a 401(k) plan. The filing shows a net sell of 10,000 shares with no derivative exercises reported.
FFBC filed a Form 144 reporting an intended sale of Common Stock totaling 10,000 shares. The filing lists two Restricted Stock Unit settlements of 3,867 shares (grant date 04/04/2018) and 6,133 shares (grant date 02/15/2019) scheduled on 06/08/2026 for cash. Broker listed: Stifel Nicolaus & Company, Inc.
First Financial Bancorp director Dawn C. Morris reported an open-market sale of 740 shares of Common Stock at $30.90 per share. After this transaction, she directly holds 9,548 shares. This filing simply updates her ownership records and reflects one net sale with no derivative positions reported.