FIRST FINANCIAL CORP /IN/

Listed Company

THFFCIK 0000714562NasdaqAcceleratedState Commercial BanksIndianaFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$79.21M

Total Assets

$5.76B

Equity

$650.87M

Shares Out

11.89M

Op. Cash Flow

$90.41M

+ 13F Filer

THFF$76.51+35.67% · past yearDBEQ Basic

Daily closing prices

Business

First Financial Corporation is a financial holding company that operates First Financial Bank, N.A., offering commercial, mortgage, and consumer lending; lease financing; trust services; and deposit services through a network of branches across Indiana, Illinois, Kentucky, Tennessee, and Georgia. The bank originates and holds residential mortgages, commercial real estate loans, agricultural production loans, and consumer loans secured by homes, vehicles, and other collateral. The corporation operates as a bank holding company and financial holding company regulated by the Federal Reserve, OCC, and FDIC.

Summary from 10-K filed 2026-03-04

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including related fees	268	226	190	146	128
Taxable	24	24	25	21	13
Tax-exempt	11	11	11	10	9
Other	3	4	4	6	2
TOTAL INTEREST INCOME	306	265	228	183	152
Deposits	72	81	52	17	8
Short-term borrowings	7	4	5	1	387,000
Other borrowings	7	4	4	273,000	252,000
TOTAL INTEREST EXPENSE	86	90	61	18	—
NET INTEREST INCOME	220	175	167	165	143
Provision for credit losses	8	16	7	−2	2
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	212	159	160	167	141
Trust and financial services	6	5	5	5	5
Service charges and fees on deposit accounts	31	30	28	28	25
Other service charges and fees	1	999,000	801,000	665,000	1
Securities gains (losses), net	−5	103,000	−1,000	3,000	114,000
Interchange income	755,000	655,000	676,000	559,000	438,000
Loan servicing fees	1	1	1	2	2
Gain on sales of mortgage loans	1	1	966,000	2	5
Other	5	3	6	9	4
TOTAL NON-INTEREST INCOME	42	43	43	47	42
Salaries and employee benefits	79	75	69	66	64
Occupancy expense	10	10	9	10	9
Equipment expense	19	18	14	12	10
FDIC Expense	3	3	3	2	1
Other	43	40	35	36	33
TOTAL NON-INTEREST EXPENSE	155	144	130	126	117
INCOME BEFORE INCOME TAXES	99	57	72	88	66
Provision for income taxes	20	10	12	17	13
NET INCOME	79	47	61	71	53
Change in unrealized gains (losses) on securities, net of reclassifications and taxes	44	−10	11	−145	−18
Change in funded status of post retirement benefits, net of taxes	1	5	2	7	6
COMPREHENSIVE INCOME (LOSS)	125	42	74	−66	41
Basic Earnings per Share (in dollars per share)	6.68	4	5.08	5.82	4.02
Diluted Earnings per Share (in dollars per share)	6.68	4	5.08	5.82	4.02
Weighted average number of shares outstanding, basic (in shares)	12	12	12	12	13
Weighted average number of shares outstanding, diluted (in shares)	12	12	12	12	13

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	130	94	77	223	688
Federal funds sold	475,000	820,000	282,000	9	308,000
Securities available-for-sale	1,150	1,196	1,259	1,330	1,360
Loans	4,050	3,832	3,160	3,060	2,813
(Less) plus: Net deferred loan (fees)/costs	5	5	8	7	—
Allowance for credit losses	−48	−47	−40	−40	−48
Loans, net	4,007	3,790	3,128	3,028	2,768
Restricted stock	19	18	15	15	16
Accrued interest receivable	28	27	25	21	17
Premises and equipment, net	79	82	67	66	70
Bank-owned life insurance	131	129	114	116	117
Goodwill	98	100	87	87	86
Other intangible assets	16	22	6	7	8
Other real estate owned	94,000	523,000	107,000	337,000	108,000
Other assets	98	103	73	87	46
TOTAL ASSETS	5,756	5,560	4,851	4,989	5,175
Non-interest-bearing	916	859	750	858	915
Certificates of deposit exceeding the FDIC insurance limits	136	145	93	51	74
Other interest-bearing deposits	3,499	3,715	3,247	3,460	3,421
Total Deposits	4,551	4,719	4,090	4,369	4,410
Short-term borrowings	292	187	67	71	93
Other borrowings	188	28	109	10	16
Other liabilities	73	77	57	65	74
TOTAL LIABILITIES	5,105	5,011	4,323	4,514	4,593
Common stock, $0.125 stated value per share; Authorized shares - 40,000,000; Issued shares-16,190,157 in 2025 and 16,165,023 in 2024; Outstanding shares - 11,880,759 in 2025 and 11,842,539 in 2024	2	2	2	2	2
Additional paid-in capital	147	146	144	143	142
Retained earnings	742	687	664	615	559
Accumulated other comprehensive loss	−87	−132	−127	−140	−2
Less: Treasury shares at cost - 4,309,398 in 2025 and 4,322,484 in 2024	−154	−154	−155	−145	−118
TOTAL SHAREHOLDERS' EQUITY	651	549	528	475	583
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	5,756	5,560	4,851	4,989	5,175

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Net amortization of premiums and discounts on investments	4	5	5	7	8
Depreciation and amortization	12	10	7	6	6
Provision for deferred income taxes	−786,000	3	−472,000	−3	−2
Net change in accrued interest receivable	−828,000	−2	−4	−4	982,000
Contribution of shares to ESOP	2	2	2	1	1
Restricted stock compensation	931,000	1	895,000	825,000	807,000
(Gain) Loss on sale of other real estate	−53,000	−55,000	31,000	55,000	18,000
Origination of loans held for sale	−51	−42	−31	−65	−115
Proceeds from loans held for sale	52	43	32	70	123
Other, net	−18	−21	9	−335,000	−19
NET CASH FROM OPERATING ACTIVITIES	90	60	86	79	55
Proceeds from sales of securities available-for-sale	79	51	—	—	9
Calls, maturities and principal reductions on securities available-for-sale	126	113	112	180	262
Purchases of securities available-for-sale	−110	−40	−30	−345	−590
Loans made to customers, net of repayment	−218	−210	−106	−272	32
Net change in federal funds sold	345,000	−538,000	9	−9	10
Redemption of restricted stock	295,000	763,000	40,000	2	0
Purchase of restricted stock	−1	−2	−26,000	−1	−25,000
Cash received from acquisitions, net	—	28	—	—	−23
Proceeds from sales of other real estate owned	515,000	390,000	287,000	286,000	929,000
Additions to premises and equipment	−4	−6	−7	−1	−4
NET CASH FROM INVESTING ACTIVITIES	−126	−66	−22	−434	−312
Net change in deposits	−168	7	−278	−40	368
Net change in short-term borrowings	105	120	−4	−22	−23
Dividends paid	−24	−21	−15	−14	−14
Purchase of treasury shares	−795,000	−376,000	−12	−28	−42
Proceeds from other borrowings	2,850	1,525	2,080	—	0
Maturities of other borrowings	−2,690	−1,607	−1,981	−6	−1
NET CASH FROM FINANCING ACTIVITIES	73	23	−210	−111	288
NET CHANGE IN CASH AND CASH EQUIVALENTS	37	17	−146	−466	31
Cash paid for the year: Interest	86	89	59	18	9
Cash paid for the year: Income Taxes	13	10	11	14	15

Filings

Filing historySign up free to browse every 10-K, 10-Q, 8-K, and proxy this filer has submitted to the SEC.Sign up free · Upgrade to Pro

Material Events

Material EventsTrack every 8-K filing and material event — AI-summarized, timelined, and alertable.Sign up free · Upgrade to Pro

Insiders

Insider ActivitySee executive buy/sell windows and insider trade activity over rolling 30/90/365-day windows.Sign up free · Upgrade to Pro

Institutional Holders

Institutional HoldersSee which funds hold this stock and track position changes quarter over quarter.Sign up free · Upgrade to Pro

Holdings (13F)

Portfolio as of 2026-03-31 · 413 positions

Reported AUM

$985.30M

Holdings

413

Top sector

$985.30M

Top sectors

Sector	Value	% of portfolio
Uncategorized	$985.30M	100.0%

Top holdings

Issuer	Ticker	Shares	Value	%
Chipotle Mexican Grill Inc	—	22.1K	$706.65M	71.7%
First Financial Corp	—	631.6K	$39.92M	4.0%
Vanguard S&P 500 ETF	—	52.9K	$31.64M	3.2%
Chipotle Mexican Grill Inc	—	782	$25.03M	2.5%
Vanguard Information Technolog	—	18.4K	$12.82M	1.3%
Vanguard FTSE Developed Market	—	154.9K	$9.92M	1.0%
iShares S&P Core S&P	—	12.4K	$8.09M	0.8%
Vanguard Mid-Cap ETF	—	19.9K	$5.70M	0.6%
Vanguard Small-Cap ETF	—	19.0K	$4.98M	0.5%
Microsoft Corp	—	12.5K	$4.64M	0.5%

Frequently asked questions

What is FIRST FINANCIAL CORP /IN/'s CIK number?

FIRST FINANCIAL CORP /IN/'s SEC CIK number is 0000714562 (714562). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find FIRST FINANCIAL CORP /IN/'s SEC filings?

All of FIRST FINANCIAL CORP /IN/'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did FIRST FINANCIAL CORP /IN/ last report earnings?

FIRST FINANCIAL CORP /IN/ (THFF) most recently filed an earnings 8-K with the SEC on Apr 28, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000714562-26-000035). This is FIRST FINANCIAL CORP /IN/'s most recent earnings filing of record — not a forecast of its next earnings date.

What is FIRST FINANCIAL CORP /IN/'s most recent earnings 8-K?

FIRST FINANCIAL CORP /IN/'s latest earnings 8-K (Item 2.02) was filed Apr 28, 2026 under accession 0000714562-26-000035. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View FIRST FINANCIAL CORP /IN/'s latest earnings 8-K →
Look up any company's CIK number →