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First Financial Bancorp (FFBC) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · First Financial Bancorp (FFBC) Q3 2026 earnings results →

Q3 2026 Revenue up 17% year over year to $274M · 30¢ of every $1 of revenue kept as net profit · operating margin 36.2%

First Financial Bancorp made $274M in Q3 2026 (+17% Y/Y): Net interest income $196M, Noninterest income $77.7M. Operating margin 36.2%, net earnings $81.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.

Revenue$274M
Year over year+17%
Operating margin36.2%
Net earnings$81.2M
Operating cash flow$112M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $273.9M in Q3 2026, up 17% year over year and up 4% from the previous quarter. Net interest income was the largest line at 72% of revenue. Net interest income added $35.8M year over year (up 22%), 90% of the total change.

Operating profit was $99.3M, a 36.2% margin (down 2.5 points year over year). Of the extra revenue versus a year earlier, 22% reached operating profit, below the 39% margin then. Total costs grew 22% against revenue growth of 17%. The fastest-growing cost line was Noninterest expense (+23%). Net earnings were $81.2M, up 13% year over year. The effective tax rate was 18.2%.

Operating cash flow was $112.4M (up 25% year over year), 139% of net earnings. Non-cash charges added back $12.8M of depreciation and amortization and $4.7M of share-based compensation. Working capital and other items added $13.8M. Capital expenditures of $5.0M left free cash flow of $107.5M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 6, 2026$274M+17%36.2%$81.2M$112M

Charts

First Financial Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026First Financial Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$852MOperating cash flow$815MOther financing$386MAcquisitions−$175MDividends−$104MCapital spending−$36.8MNet borrowing (+) / repaid (−)−$31.9MCash drawn (+) / kept (−)−$1.4M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
First Financial Bancorp: profit against cash, quarter by quarterFirst Financial Bancorp: profit against cash, quarter by quarterNet incomeOperating cash flow$64.9M$74.1MQ4 2024$51.3M$56.1MQ1 2025$70.0M$69.8MQ2 2025$71.9M$89.8MQ3 2025$62.4M$122MQ4 2025$74.4M$549MQ1 2026$76.5M$31.4MQ2 2026$81.2M$112MQ3 2026
Latest (Q3 2026): Net income $81.2M, Operating cash flow $112M.
First Financial Bancorp: diluted shares by fiscal yearFirst Financial Bancorp: diluted shares by fiscal year98MFY202096MFY202195MFY202295MFY202395MFY202496MFY2025
-2.0% since FY2020: buybacks shrank the count.
First Financial Bancorp: long-term debt falling due (FY2025)First Financial Bancorp: long-term debt falling due (FY2025)$1.6M2026$7.6M2027$5.4M2028$6.2M2029$197M2030$296MLater
Cash $179M, short-term investments —, long-term debt $514M at 2025-12-31.
First Financial Bancorp in its industry: growth against margin (68 companies, SIC 6021)First Financial Bancorp in its industry: growth against margin (68 companies, SIC 6021)revenue growth, year over year →↑ operating marginmedian +8%median 37%JPMBACCWFCCOFUSBPNCTFCHBANKEYPNFPHSBC USA IncZIONUMBFWebster Financial CorpONBCFRVLYBOKFBANCFNBFHNFULTWSFSWSBCCBUPRKTRMKWAFDFRMENBTBCASHBANFOCFCNWBITBBKNICHOPEFCFDCOMNBHCBHRBAMTBWBHCCHCOALRSHAFCNEWTCACCBNKBFCFMCBWABCSHBIPFISCAREBCALSFSTMRBKFDBCFNLCFUNCLCNBATLOCFBKASRVNKSHFFBC (+17%, 36%)
National Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About First Financial Bancorp

First Financial Bancorp., an Ohio corporation (First Financial or the Company), was formed in 1982. First Financial is a mid-sized, regional bank holding company headquartered in Cincinnati, Ohio, which has elected to become a financial holding company. References in this Form 10-K to “we,” “us” or “our” refer, as the context requires, to First Financial and its subsidiaries, collectively or to First Financial as the holding company. First Financial engages in the business of commercial banking and other banking and banking-related activities through its wholly-owned subsidiary, First Financial Bank (the Bank), which was founded in 1863. Effective December 30, 2016, the Bank converted its charter to an Ohio state chartered bank from a nationally chartered bank.

In its own words, from its 10-K, filed Feb 19, 2026.

First Financial Bancorp against its National Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +17% against the peers' median +8%. Operating margin: 36.2% against the peers' median 32.5%.

CompanyQuarterRevenueY/YOp. margin
FFBC First Financial BancorpQ3 2026$274M+17%36.2%
JPM JPMorgan ChaseQ3 2026$50.2B+8%40.1%
BAC Bank of AmericaQ3 2026$30.0B+3%29.9%
C CitigroupQ3 2026$23.8B+8%30.6%
WFC Wells FargoQ3 2026$21.9B+2%32.5%
COF Capital One FinancialQ3 2026$16.3B+6%28.0%
USB US BancorpQ3 2026$8.0B+9%35.1%
PNC PNC Financial Services GroupQ3 2026$6.6B+11%40.0%
TFC Truist FinancialQ3 2026$3.7B-28%23.9%

Source: First Financial Bancorp 10-Q on SEC EDGAR · CIK 708955 · National Commercial Banks

Guidance and outlook

First Financial Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-06)First Financial Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-06)Other3Supply chain2Financing2Deals1Tax1Costs1The economy1
11 statements; tone +0.00 (−1 all cautious, +1 all confident); 2 hedged.
First Financial Bancorp: outlook statements against the filing beforeFirst Financial Bancorp: outlook statements against the filing beforeConfident2Cautious2

13F: who owns FFBC and who is buying

Largest holders of FFBC (13F)Largest holders of FFBC (13F)BlackRock$517MVanguard Group$273MDimensional Fund Advisors LP$225MVanguard Portfolio Management LLC$216MState Street$196MNomura Asset Management Internati…$171MVanguard Capital Management LLC$153MGeode Capital Management, LLC$95.0MBahl & Gaynor$64.4MFuller & Thaler Asset Management$64.0M
Funds' net buying of FFBC by quarter (13F)Funds' net buying of FFBC by quarter (13F)$10.7M2024-09−$8.6M2024-12−$2.7M2025-03−$5.6M2025-06$29.9M2025-09−$20.0M2025-12$162M2026-03$48.1M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on FFBC

History

Every quarter: Q3 2026 results

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