First Financial Bancorp delivered adjusted EPS of $X.XX in Q1 2026, a 22% increase over the prior year quarter, supported by expanded net interest margin and higher fee income. Tangible book value rose 9% year-over-year to $16.15, reflecting strong underlying profitability and capital generation.

Regulatory capital ratios remain well above minimum requirements, with tangible common equity at 7.9% and robust liquidity. The board authorized a $5 million share repurchase plan, signaling confidence in financial flexibility and commitment to shareholder returns.

The completed acquisition of BankFinancial and conversion of Westfield Bank added significant loan balances and deposit funding, contributing to quarter-over-quarter growth in interest-earning assets. Management highlighted continued integration efforts to expand commercial and wealth banking capabilities in key markets.

Aggressive pricing and structures in commercial real estate led to loan payoffs in Q1, but the strong loan production pipeline is expected to stabilize portfolios in Q2. Non-interest expenses rose due to acquisition costs, while deposit costs at 1.83% are projected to fall by 2–3 basis points, and capital deployment will balance share buybacks with strategic M&A.