First Financial Bancorp. Earnings: Your Sneak Peek to the Big Announcement

First Financial Bancorp. (NASDAQ:FFBC) will report earnings after markets close on Thursday, July 25th. First Financial Bancorp. is a financial holding company. The subsidiaries provide commercial lending, real estate lending, consumer credit, credit card, and other personal loan financing. First Financial operates through a network of offices in western Ohio, Indiana, southern Michigan, and northern Kentucky.

Here is your Cheat Sheet to First Financial Bancorp. Earnings:

Earnings Expectations: Analysts expect earnings of $0.26 per share on revenues of $79.01 million. Currently, the company’s P/E ratio stands at 14.61.

Analyst Trends:

Analysts have a more negative outlook for the company’s next-quarter performance. Over the past three months, the average estimate for next quarter’s earnings has fallen from a profit of $0.28 to a profit $0.27. For the current year, the average estimate is a profit of $1.04, which is worse than the estimate ninety days ago.

Earnings Trends:

Here’s how First Financial Bancorp. has been performing on an annual basis:

Fiscal Year 2008 2009 2010 2011 2012
Revenue ($) in millions 235 675 490 451 403
Diluted EPS ($) 0.61 5.33 0.99 1.14 1.14

Next, our CHEAT SHEET investing framework asks us to drill down to the recent quarterly data:

Quarter Jun. 30, 2012 Sep. 30, 2012 Dec. 31, 2012 Mar. 31, 2013
Revenue ($) in millions 105.47 97.14 93.73 90.21
Diluted EPS ($) 0.30 0.28 0.28 0.24

Past Performance:
First Financial Bancorp. has beat analyst estimates 1 time in the past four quarters. This is not consistent enough to get bullish yet.

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(Company fundamentals provided by Xignite Financials. Email any earnings discrepancies to earnings [at] wallstcheatsheet.com)