THFF
First Financial Corporation64.70
-0.31-0.48%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
766.74MP/E (TTM)
10.37Basic EPS (TTM)
6.24Dividend Yield
0.03%Recent Filings
8-K
THFF to buy CedarStone for $25M
First Financial Corporation signed a merger agreement on November 6, 2025, to acquire CedarStone Financial for $25.0 million cash ($19.12 per share), merging CedarStone Bank into its subsidiary. The deal expands its Nashville footprint, adding three branches to its three there, with closure eyed for Q1 2026 pending approvals. Risks include integration costs and regulatory hurdles.
10-Q
Q3 FY2025 results
First Financial Corporation posted solid Q3 results, with net income jumping to $20.8 million from $8.7 million a year ago, driven by net interest income climbing 16% to $54.6 million on higher loan yields, while the net interest margin expanded to 4.25% from 3.78%. Provision for credit losses eased to $2.0 million from $9.4 million, reflecting stabilized asset quality amid lower charge-offs. Loans grew 3% year-over-year to $3.96 billion, deposits dipped slightly, and cash stood at $87.4 million with ample FHLB availability. The SimplyBank acquisition from July 2024 added $11.2 million in goodwill and core deposit intangibles amortized over time. Non-GAAP metrics not disclosed in the 10-Q. Yet competition in regional banking lingers.
8-K
Q3 net income surges to $20.8M
First Financial Corporation reported third-quarter 2025 net income of $20.8 million, up sharply from $8.7 million a year earlier, fueled by record net interest income of $54.6 million and a lower $2.0 million provision for credit losses versus $9.4 million in 2024. Loans grew 6.8% to $3.97 billion, while deposits dipped 2.2% to $4.62 billion; net interest margin expanded to 4.25%. Nonperforming loans rose to 0.49% of total loans. Management eyes further margin gains from liability-sensitive positioning.
8-K
Quarterly dividend declared
First Financial Corporation declared a quarterly dividend of $0.51 per share on September 18, 2025, payable October 15 to shareholders of record on October 1. This payout underscores the company's steady commitment to returning capital amid its operations across five states. Shareholders benefit directly. No changes to the dividend policy were disclosed.
10-Q
Q2 FY2025 results
First Financial Corporation posted solid Q2 FY2025 results, with net interest income jumping 34% year-over-year to $52.7 million, driven by higher loan yields amid the SimplyBank acquisition closed July 1, 2024, for $73.4 million in cash, adding $11.2 million in goodwill and $19.8 million in core deposit intangibles. Net income rose to $18.6 million, or $1.57 per diluted share—up 64% from last year—while provision for credit losses eased to $1.95 million as non-performing loans fell 38% to $9.8 million. Loans grew 1.5% quarter-over-quarter to $3.85 billion, deposits dipped slightly to $4.66 billion, and cash swelled to $97.3 million with $227 million in FHLB availability. Free cash flow stood at $32.1 million for the half-year. Yet competition in regional banking keeps pressure on margins.
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