First Financial Corporation
NASDAQ•THFF
CEO: Mr. Norman D. Lowery
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1992-03-03
First Financial Corporation, through its subsidiaries, provides various financial services. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. It also provides commercial loans primarily to expand a business or finance asset purchases; residential real estate and residential real estate construction loans; and home equity loans and lines, secured loans, and cash/CD secured and unsecured loans. In addition, the company offers lease financing, trust account, depositor, and insurance services. The company was founded in 1834 and is headquartered in Terre Haute, Indiana.
Contact Information
Market Cap
$734.94M
P/E (TTM)
9.3
14.6
Dividend Yield
3.4%
52W High
$69.21
52W Low
$42.05
52W Range
Rank35Top 29.9%
4.6
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$70.55M-41.60%
4-Quarter Trend
EPS
$1.81+0.00%
4-Quarter Trend
FCF
$27.51M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Net Income Growth Net income rose to 79.2M in 2025 from 47.3M in 2024, primarily driven by organic growth and improved net interest income.
Net Interest Margin Net interest margin expanded to 4.29% in 2025 from 3.71% in 2024, supported by a 37 basis point increase in earning asset yields.
Strong Capital Position Corporation maintained robust capital with a 13.21% CET1 ratio and 14.22% total risk-based capital ratio as of December 31, 2025.
Risk Factors
Credit Quality Deterioration Non-accrual loans increased to 27.5M in 2025 from 11.5M in 2024, reflecting potential credit risk within the commercial and real estate portfolios.
Interest Rate Sensitivity Earnings remain highly sensitive to interest rate fluctuations; 2025 Fed rate cuts impacted net interest income and future rate changes remain uncertain.
Geographic Concentration Risk Operations are concentrated in specific regional markets, making the Corporation highly susceptible to local economic downturns and regional real estate market volatility.
Outlook
Strategic Growth Focus Corporation continues to pursue growth through organic expansion and strategic acquisitions, such as the completed CedarStone merger effective March 1, 2026.
Capital Management Strategy Management expects to maintain a strong capital position to support operations and continue the policy of paying regular cash dividends to shareholders.
Regulatory Compliance Adaptation The Corporation is actively assessing and preparing for new accounting standards and regulatory requirements, including upcoming CECL-related updates effective in 2026.
Peer Comparison
Revenue (TTM)
$1.08B
$511.93M
$367.34M
Gross Margin (Latest Quarter)
96.6%
90.9%
83.9%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| BOH | $2.95B | 14.3 | 11.6% | 0.4% |
| BFST | $869.12M | 8.9 | 10.2% | 6.7% |
| HBNC | $828.19M | -5.5 | -20.6% | 6.3% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-5.5%
Growth Under Pressure
4Q Net Income CAGR
5.2%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 20, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data