First Financial Bancorp reports results on Tuesday 27 October, after the market closes. Growth is speeding up, with revenue over the twelve months to Q2 2026 reaching $1.0 billion, an increase of 18.3% on the year before.
Source: reported quarterly EPS and aggregated third-party estimates. Historical surprises are context, not a forecast.
View chart data
| Period | Reported EPS | Analysts' estimate |
|---|---|---|
| Sep '25 | $0.76 | $0.75 |
| Dec '25 | $0.80 | $0.79 |
| Mar '26 | $0.77 | $0.69 |
| Jun '26 | $0.80 | $0.80 |
What analysts expect
Analysts have been cutting their forecasts going into the report. For the quarter, the average EPS estimate stands at $0.83, in a range from $0.82 to $0.84, while the average revenue estimate is $271.0 million. The full-year picture shows an average EPS estimate of $3.21, which would be up 9.7% on last year (based on 7 analysts). That figure has fallen 1.9% over the past 90 days. Of the analysts’ recommendations, 4 are positive, 3 neutral and 0 negative.
Earnings surprise model
The model estimates EPS could land above the analysts’ average estimate by 0.8%, with an estimated chance of a beat at 75.0% based on the last 4 quarters. By shrinking the median recent surprise toward zero and using a neutral prior for beat frequency, this small sample serves as a reference estimate rather than company guidance.
Track record against estimates
The company reported EPS above the analysts’ average estimate in 4 of the last 4 quarters. Last quarter, EPS of $0.80 compared with an estimate of $0.80, exceeding it by 0.4%.
The trends going in
Profit and cash are telling different stories: cash flow grew far faster. The trailing net margin was 28.3%, while net income over the twelve months was $285.2 million, rising 19.5% on the year before.
The cash picture
The share count is rising, so each share claims a smaller slice of the profit. The average diluted share count rose 5.4% over the year.
In context
Measured against its own history: today’s twelve-month revenue growth rate of 18.3% is higher than 83% of the company’s own past quarterly readings, which have ranged from −21.2% to 66.1%.
Questions this report will answer
Whether the pick-up in revenue growth continues. Whether results land above or below the analysts’ expectations set out above. Meanwhile, whether margins hold at the trailing levels above. The next filing will show whether the trends above continue, slow or reverse.
What it means for value
For valuation, the figures matter through our model. In our model, growth 5 percentage points lower would lower the value by 24.6%, and 5 percentage points higher would raise it by 31.5%. A free-cash-flow margin 1 percentage point lower would lower it by 1.4%.
