FFBC at a glance
FIRST FINANCIAL BANCORP /OH/ (FFBC, SEC CIK 708955) filed its latest 10-K annual report on February 19, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 15, 2026 and Form 4 insider filings as recently as October 1, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), FIRST FINANCIAL BANCORP /OH/ (FFBC) reported revenue of $1.0 billion (down 0.0% from FY2024) and net income of $255.6 million. Diluted EPS was $2.66.
- In the last 90 days, FFBC insiders reported 0 open-market purchases ($0) and 4 open-market sales ($919K) on Form 4, a net sale of $919K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.0B
- −0.0% vs prior year
- Insiders · 90 days
- 0 buys · 4 sells
- Net −$919K
- Latest 8-K
- Sep 15, 2026
- Item 7.01 · Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: Regional banking services focused on financial products and lending
- New equity issuance: 2,753,094 shares issued to OFIC in November 2025 under Stock Purchase Agreement
- Strategic capital action: Board authorized a 5 million share repurchase plan in 2024, no shares repurchased in Q4 2025
- Unregistered stock sale aimed at accredited investors under Regulation D exemptions
- Absence of share repurchases in late 2025 may signal capital preservation or market timing strategy
Management Discussion & Analysis
- No revenue, profit, or margin figures provided in MDA section
- Credit quality pressures: classified assets up $11.4M (5.1%) to $235.5M in 2025; $20.4M from Westfield acquisition
- Risk of increased loan defaults, charge-offs linked to economic, real estate market weaknesses, inflation, interest rates
- Capital markets segment (Bannockburn) faces client concentration, market, credit, liquidity, regulatory, operational, legal, political, currency risks
- Forward risk: uncertainty in Fed leadership change, sustained elevated interest rates, economic volatility, cybersecurity, vendor disruptions impacting operations and financials
AI summary of the FFBC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Six-month net income $150.9M, up $29.6M from $121.3M YoY
- Net interest income $380.0M, up 23.5% YoY; margin 3.98% vs 3.96%
- Leasing income $44.4M, highest disclosed line; bankcard income $6.6M, down from $7.0M YoY
- Total assets $22.4B vs $21.1B at December 31, 2025; deposits $17.6B vs $16.4B
- Pending Finward acquisition valued at approximately $207.5M; expected closing Q4 2026 or Q1 2027
Risk Factors
- No material risk-factor changes from the December 31, 2025 Form 10-K
- Merger-execution risk following July 21, 2026 agreement with Finward Bancorp
- Capital-allocation risk from new 5,000,000-share repurchase authorization expiring December 31, 2027
- Regulatory-compliance risk associated with merger-related approvals and integration requirements
AI summary of the FFBC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Press release dated September 15, 2026 covering organizational changes
- Organizational changes may affect management structure and execution, requiring review of the accompanying exhibit
Item EX-99.1: Item EX-99.1
- Immediate leadership promotions expand succession planning while Archie Brown remains CEO of First Financial Bancorp. and First Financial Bank
- Jamie Anderson becomes president while retaining CFO responsibilities, overseeing operations, financial performance, strategy implementation, and board reporting
Item 5.02: Departure/Appointment of Directors or Principal Officers
- One-time retention grants totaling $6.25M and 190,900 shares, vesting fully after three years
- Executives must retain at least 75% of vested shares for two additional years, reinforcing long-term shareholder alignment
Item 7.01: Regulation FD Disclosure
- Investor presentation supports upcoming meetings with investors and analysts under Regulation FD
- Exhibit 99.1 contains the substantive investor materials and may influence market expectations
Item 7.01: Regulation FD Disclosure
- July 21, 2026 press release announced execution of the Merger Agreement
- Exhibit 99.2 investor presentation provides supplemental merger information
Item 2.02: Results of Operations and Financial Condition
- Exhibit 99.2 is referenced but contains no earnings figures or reporting-period details in the provided text
- Disclosure primarily addresses filing and incorporation-by-reference treatment under federal securities laws
Item EX-99.1: Item EX-99.1
- Q2 2026 net income $76.5 million, EPS $0.73; adjusted EPS $0.80 reached a company record
- Loan balances increased $240 million, or 7.1% annualized, while net charge-offs declined to 0.20%
Item 1.01: Entry into a Material Definitive Agreement
- Stock-for-stock acquisition of Finward Bancorp; each Finward share converts into 1.35 First Financial shares
- Expected fourth-quarter 2026 closing; requires Finward shareholder approval, regulatory clearances and Form S-4 effectiveness
AI summaries of FFBC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for FFBC
Don't miss the next FFBC filing
- Alerts as it files. A push when FFBC files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut FFBC, by share count.
- Ask anything. An AI agent that reads every FFBC filing and answers with sources.
FFBC alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Porter Andre T | A | Sep 30, 2026 | 518 | $31.32 |
| Rahe Maribeth S | A | Sep 30, 2026 | 518 | $31.32 |
| Arvia Anne L | A | Sep 30, 2026 | 518 | $31.32 |
| OBRIEN THOMAS MURRAY | A | Sep 30, 2026 | 259 | $31.32 |
| Myers Malcolm A | G | Sep 18, 2026 | 261 | - |
| ANDERSON JAMES M | A | Sep 14, 2026 | 45,816 | - |
| Myers Malcolm A | A | Sep 14, 2026 | 7,636 | - |
| Neeley Amanda N | A | Sep 14, 2026 | 30,544 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $903.0M | $1.0B | $1.0B |
| Net Income | $255.9M | $228.8M | $255.6M |
| Net Margin | 28.3% | 22.8% | 25.5% |
| Balance Sheet | |||
| Total Assets | $17.5B | $18.6B | $21.1B |
| Equity | $2.3B | $2.4B | $2.8B |
| ROE | 11.3% | 9.4% | 9.2% |
| Per Share | |||
| EPS | - | $2.40 | $2.66 |
| Cash Flow | |||
| Operating CF | $487.0M | $262.2M | $337.9M |
| CapEx | $24.1M | $21.1M | $20.8M |
Source: XBRL data in FIRST FINANCIAL BANCORP /OH/ (FFBC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
FFBC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 1, 2026 | - | - | - |
| 4 | Oct 1, 2026 | - | - | - |
| 4 | Oct 1, 2026 | - | - | - |
| 4 | Oct 1, 2026 | - | - | - |
| 4 | Sep 22, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 8-K | Sep 15, 2026 | - | Analysis | - |
| 4 | Sep 9, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Aug 28, 2026 | - | - | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 5, 2026 | - | - | - |
Related Financials companies
- ALRS · ALERUS FINANCIAL CORPNational Commercial Banks
- AMTB · Amerant Bancorp Inc.National Commercial Banks
- ATLO · AMES NATIONAL CORPNational Commercial Banks
- AROW · ARROW FINANCIAL CORPNational Commercial Banks
- BANC · BANC OF CALIFORNIA, INC.National Commercial Banks
- BANF · BANCFIRST CORP /OK/National Commercial Banks
- TBBK · Bancorp, Inc.National Commercial Banks
- BFC · Bank First CorpNational Commercial Banks
FFBC SEC filings: frequently asked questions
Are FFBC insiders buying or selling?
In the last 90 days, FIRST FINANCIAL BANCORP /OH/ (FFBC) officers, directors and 10% owners reported no open-market purchases and 4 open-market sales worth $919,006 by 4 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
What was FFBC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), FIRST FINANCIAL BANCORP /OH/ (FFBC) reported revenue of $1.0 billion (down 0.0% from FY2024) and net income of $255.6 million. Diluted EPS was $2.66. The figures come from the XBRL data in the 10-K.
What did FFBC report in its latest 8-K?
FIRST FINANCIAL BANCORP /OH/ (FFBC) filed an 8-K on September 15, 2026 reporting Item 7.01 (Regulation FD Disclosure) and Item 5.02 (Departure/Appointment of Directors or Principal Officers). Press release dated September 15, 2026 covering organizational changes.
What are the latest FFBC SEC filings?
FIRST FINANCIAL BANCORP /OH/ (FFBC) filed its latest 10-K annual report on February 19, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 15, 2026 and a Form 4 insider filing on October 1, 2026.
What is FFBC's SEC CIK number?
FIRST FINANCIAL BANCORP /OH/ (FFBC)'s SEC Central Index Key (CIK) is 708955. EDGAR lists every FFBC filing under that number.
Ask anything about FFBC
The research agent reads FFBC's filings, financials, insider trades and 13F holders, then answers with sources.