Short answer
FIRST FINANCIAL BANCORP /OH/ (FFBC) filed its fiscal 2025 10-K annual report with the SEC on Feb 19, 2026. It reported revenue of $1.0B (−0.0% year over year) and net income of $256M.
FY2025 key financial metrics · XBRL
- Revenue
- $1.0B
- −0.0% YoY
- Net income
- $256M
- +11.7% YoY
- EPS (diluted)
- $2.66
- +10.8% YoY
- ROE
- 9.2%
- −0.2 pp YoY
- Operating cash flow
- $338M
- +28.9% YoY
Source: XBRL data from the FIRST FINANCIAL BANCORP /OH/ (FFBC) FY2025 10-K on SEC EDGAR. USD.
FIRST FINANCIAL BANCORP /OH/ FY2025 10-K analysis
AI summary of each section, grounded in the filing text
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
Generated from the filing text; verify against the original. How to read a 10-K
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