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Compared to Estimates, First Financial (FFBC) Q2 Earnings: A Look at Key Metrics

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For the quarter ended June 2025, First Financial Bancorp (FFBC - Free Report) reported revenue of $227.58 million, up 5.3% over the same period last year. EPS came in at $0.74, compared to $0.65 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $219.8 million, representing a surprise of +3.54%. The company delivered an EPS surprise of +7.25%, with the consensus EPS estimate being $0.69.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how First Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net Interest Margin: 4% versus the two-analyst average estimate of 4%.
  • Efficiency Ratio: 56.9% compared to the 57.6% average estimate based on two analysts.
  • Total Noninterest Income: $68.06 million versus the two-analyst average estimate of $64.6 million.

View all Key Company Metrics for First Financial here>>>

Shares of First Financial have returned +1% over the past month versus the Zacks S&P 500 composite's +5.7% change. The stock currently has a Zacks Rank #1 (Strong Buy), indicating that it could outperform the broader market in the near term.

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