FFBC
First·NASDAQ
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FFBC fundamentals
First (FFBC) released its earnings on Oct 23, 2025: revenue was 234.00M (YoY +16.27%), beat estimates; EPS was 0.76 (YoY +13.43%), beat estimates.
Revenue / YoY
234.00M
+16.27%
EPS / YoY
0.76
+13.43%
Report date
Oct 23, 2025
FFBC Earnings Call Summary for Q3,2025
- Record Earnings and Margin Strength: Q3 2025 net income of $72.6 million ($0.76 EPS) with 4.02% net interest margin, driven by fee income growth and deposit cost management.
- Fee Income Record: $73.6 million fee income (highest ever), led by foreign exchange and leasing businesses, with Q4 guidance of $77-79 million.
- Efficiency and Integration: 9% FTE reduction since 2023; Westfield and BankFinancial integrations to deliver 40% and 20-30% expense savings, respectively.
- Stable Asset Quality: Nonperforming assets at 41 basis points, with annualized net charge-offs of 18 basis points.
- Strategic Acquisitions: Pending Westfield and BankFinancial closings to enhance margin, fee income, and capital returns.
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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 is First's gross profit margin?What is the revenue and EPS growth rate for First year over year?What factors drove the changes in First's revenue and profit?What guidance did First's management provide for the next earnings period?What is First's latest dividend and current dividend yield?What were the key takeaways from First’s earnings call?What does First do and what are its main business segments?What were the key takeaways from First's earnings call?
