First Financial Corp (THFF) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, First Financial reported revenue of $261.8M, up 20.2% from $217.8M the year before. Net income was $79.2M (a 30.3% net margin), or $6.68 per diluted share. Net interest income was $219.9M, and the efficiency ratio (noninterest expense / revenue) was 59.2%. Operating activities generated $90.4M of cash, leaving $86.4M of free cash flow. At fiscal year end, First Financial held $5.76B in total assets against $5.11B in total liabilities.
Open the full interactive First Financial financials → Quarterly statements, key ratios, valuation history and price charts.
First Financial Key Stats
| Share Price | $73.38 |
|---|---|
| Market Cap | $872.6M |
| P/E Ratio | 11.0 |
| Dividend Yield | 2.91% |
| Revenue YoY Growth | +20.2% |
| 52-Week Range | $49.88 – $82.16 |
| Shares Outstanding | 11.9 million (basic, 2026 Q2) |
First Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $146.3M | $143.4M | $165.0M | $167.3M | $175.0M | $219.9M |
| Provision for Credit Losses | $10.5M | $2.5M | -$2.0M | $7.3M | $16.2M | $8.2M |
| Noninterest Income | $42.5M | $42.1M | $46.7M | $42.7M | $42.8M | $42.0M |
| Noninterest Expense | $112.8M | $117.4M | $126.0M | $130.2M | $144.4M | $154.9M |
| Revenue | $188.8M | $185.5M | $211.8M | $210.0M | $217.8M | $261.8M |
| Pre-Tax Income | $65.5M | $65.6M | $87.8M | $72.5M | $57.2M | $98.7M |
| Income Tax | $11.7M | $12.6M | $16.7M | $11.8M | $9.9M | $19.5M |
| Net Income | $53.8M | $53.0M | $71.1M | $60.7M | $47.3M | $79.2M |
| Diluted EPS | $3.93 | $4.02 | $5.82 | $5.08 | $4.00 | $6.68 |
First Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $65.8M | $70.5M | $68.2M | $71.9M |
| Net Income | $20.8M | $21.5M | $19.8M | $22.7M |
| Diluted EPS | $1.75 | $1.81 | $1.67 | — |
First Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | — | — | $3.03B | $3.13B | $3.79B | $4.01B |
| Total Assets | $4.56B | $5.18B | $4.99B | $4.85B | $5.56B | $5.76B |
| Deposits | $3.76B | $4.41B | $4.37B | $4.09B | $4.72B | $4.55B |
| Total Long-Term Debt | $6,000 | $15.9M | $9.6M | $108.6M | $28.1M | $188.2M |
| Total Liabilities | $3.96B | $4.59B | $4.51B | $4.32B | $5.01B | $5.11B |
| Shareholders' Equity | $597.0M | $582.6M | $475.3M | $528.0M | $549.0M | $650.9M |
First Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $77.4M | $55.1M | $78.8M | $86.1M | $60.4M | $90.4M |
| Cash From Investing | -$16.2M | -$317.4M | -$433.7M | -$22.1M | -$66.1M | -$126.2M |
| Cash From Financing | $468.9M | $287.6M | -$110.6M | -$209.8M | $22.5M | $72.6M |
| Free Cash Flow | $73.5M | $51.2M | $77.4M | $79.5M | $54.3M | $86.4M |
| Dividends Paid | $14.3M | $14.2M | $14.5M | $15.4M | $21.2M | $24.2M |
Figures from First Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full First Financial financials page for every line item.
First Financial Company Profile
| Ticker | THFF |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Terre Haute, Indiana |
| Incorporated in | Indiana |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000714562 |
Frequently Asked Questions
What was First Financial's revenue in fiscal 2025?
First Financial (THFF) reported revenue of $261.8M for fiscal 2025.
What is First Financial's annual revenue history?
First Financial's annual revenue by fiscal year: 2020: $188.8M; 2021: $185.5M; 2022: $211.8M; 2023: $210.0M; 2024: $217.8M; 2025: $261.8M.
What was First Financial's net income in fiscal 2025?
First Financial reported net income of $79.2M for fiscal 2025.
What was First Financial's earnings per share (EPS) in fiscal 2025?
First Financial's diluted EPS was $6.68 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did First Financial generate in fiscal 2025?
First Financial generated $86.4M of free cash flow in fiscal 2025.
What was First Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), First Financial reported revenue of $71.9M.
How much debt does First Financial have?
First Financial reported $188.2M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of First Financial are outstanding?
First Financial reported a weighted average of 11.9 million basic shares outstanding in 2026 Q2.
What is First Financial's market cap?
Based on its latest closing price, First Financial (THFF) has a market capitalization of about $872.6M.
When does First Financial's fiscal year end?
First Financial's fiscal year end, as registered with the SEC, is December 31.
Where is First Financial headquartered?
First Financial lists its business address in Terre Haute, Indiana in its SEC filings.