Filing Flows › First Financial Bancorp (FFBC) › Q3 2026 › vs Q3 2025
First Financial Bancorp (FFBC) Q3 2026 vs Q3 2025 (year over year)
First Financial Bancorp's revenue rose $39.9M (+17%) from $234M in Q3 2025 to $274M in Q3 2026. The biggest changes: Net interest income +$35.8M (+22%); Noninterest income +$4.1M (+6%). Operating margin 36.2% against 38.7% (-2.5 pts).
First Financial Bancorp, Q3 2026: revenue $274M (+17% year over year), operating margin 36.2%, net earnings $81.2M, operating cash flow $112M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 36.2% | 38.7% | -2.5 pts |
| Net margin | 29.6% | 30.7% | -1.1 pts |
| Free cash flow margin | 39.2% | 36.7% | +2.6 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $196M | $160M | $35.8M | +22% |
| Noninterest income | $77.7M | $73.5M | $4.1M | +6% |
| Revenue | $274M | $234M | $39.9M | +17% |
| Operating profit | $99.3M | $90.7M | $8.6M | +9% |
| Costs & expenses | $175M | $143M | $31.3M | +22% |
| Pre-tax earnings | $99.3M | $90.7M | $8.6M | +9% |
| Credit loss provision | $8.9M | $9.1M | −$162K | -2% |
| Noninterest expense | $166M | $134M | $31.5M | +23% |
| Net earnings | $81.2M | $71.9M | $9.3M | +13% |
| Income tax | $18.1M | $18.8M | −$661K | -4% |
| Depreciation & amortization | $12.8M | $7.4M | $5.4M | +72% |
| Share-based compensation | $4.7M | $4.0M | $699K | +17% |
| Working capital & other | $13.8M | $6.5M | $7.3M | +113% |
| Operating cash flow | $112M | $89.8M | $22.6M | +25% |
| Free cash flow (OCF − capex) | $107M | $85.8M | $21.7M | +25% |
| Capital expenditures | $5.0M | $4.0M | $936K | +23% |
Questions
How much did First Financial Bancorp's revenue grow year over year in Q3 2026?
First Financial Bancorp's revenue rose $39.9M (+17%) from $234M in Q3 2025 to $274M in Q3 2026.
What drove First Financial Bancorp's revenue change in Q3 2026?
Net interest income +$35.8M (+22%); Noninterest income +$4.1M (+6%).