Filing Flows › First Financial Bancorp (FFBC) › Q3 2026
First Financial Bancorp (FFBC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
First Financial Bancorp (FFBC) reported revenue of $274M for the third quarter 2026 (Q3 2026), +17% from a year earlier and +4% from the quarter before. Operating margin was 36.2%, net earnings $81.2M (29.6% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $274M | +4% | +17% |
| Operating profit | $99.3M | +5% | +9% |
| Net earnings | $81.2M | +6% | +13% |
| Operating cash flow | $112M | +258% | +25% |
| Free cash flow | $107M | +410% | +25% |
What changed
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.
Questions
What was First Financial Bancorp's revenue in the third quarter 2026?
First Financial Bancorp (FFBC) reported revenue of $274M for the third quarter 2026 (Q3 2026), +17% from a year earlier and +4% from the quarter before.
Was First Financial Bancorp profitable in the third quarter 2026?
Operating profit was $99.3M (36.2% of revenue) and net earnings $81.2M.