FFBC
First·NASDAQ
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FFBC fundamentals
First (FFBC) released its earnings on Jan 28, 2026: revenue was 238.76M (YoY +6.47%), missed estimates; EPS was 0.64 (YoY -5.88%), beat estimates.
Revenue / YoY
238.76M
+6.47%
EPS / YoY
0.64
-5.88%
Report date
Jan 28, 2026
FFBC Earnings Call Summary for Q4,2025
- Q4 Earnings Beat: Adjusted EPS of $0.80, driven by 3.98% NIM resilience and 7% deposit growth (excluding Westfield). Full-year revenue up 8% to $922M.
- Fee Income Record: $77M Q4 fee income, with FX and wealth leading. 2025 noninterest income up 16% to $280M.
- Loan Growth Outlook: 6-8% organic for 2026, with Q1 low single-digit growth due to seasonal payoff pressure.
- Margin Stability: 2026 NIM expected 3.90-3.95% if Fed cuts 25bps in March; stable if rates hold.
- Strategic Acquisitions: Westfield and Bank Financial add $3.3B in loans, positioning for Midwest and Chicago growth.
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Key Indicators
First (FFBC) key financial stats and ratios, covering profitability, financial health, and leverage.
First (FFBC)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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First (FFBC)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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First (FFBC)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does First (FFBC) generate its revenue? Explore its key revenue streams and top earning regions.
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Track First (FFBC) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What guidance did First's management provide for the next earnings period?What is the revenue and EPS growth rate for First year over year?What is First's gross profit margin?What factors drove the changes in First's revenue and profit?What were the key takeaways from First's earnings call?What does First do and what are its main business segments?What is First's latest dividend and current dividend yield?What were the key takeaways from First’s earnings call?
