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First Financial (FFBC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
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First Financial Bancorp (FFBC - Free Report) reported $235.26 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 16.1%. EPS of $0.76 for the same period compares to $0.67 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $229.75 million, representing a surprise of +2.4%. The company delivered an EPS surprise of +1.33%, with the consensus EPS estimate being $0.75.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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 4% estimated by three analysts on average.
Efficiency Ratio: 57.4% versus 58.1% estimated by three analysts on average.
Total Noninterest Income: $73.53 million versus the three-analyst average estimate of $67.9 million.
Net interest income - tax equivalent: $161.73 million versus $162 million estimated by two analysts on average.
Shares of First Financial have returned -6.2% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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First Financial (FFBC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
First Financial Bancorp (FFBC - Free Report) reported $235.26 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 16.1%. EPS of $0.76 for the same period compares to $0.67 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $229.75 million, representing a surprise of +2.4%. The company delivered an EPS surprise of +1.33%, with the consensus EPS estimate being $0.75.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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:View all Key Company Metrics for First Financial here>>>
Shares of First Financial have returned -6.2% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.