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First Financial Corporation THFF Q3 2025 earnings

Reported October 28, 2025 · Before market open

Revenue$65.8MMiss by $2.2M
EPS$1.75Beat by $0.14
Revenue estimate$67.9M
EPS estimate$1.61

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$74.9M
EPS estimate$1.95

Financials

Q3 2025

Income statement

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Revenue$65.8M+12.6%
Net income$20.8M+138%
EPS (diluted)$1.75+136%

Balance sheet

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Total debt$7.8M-3.2%
Total equity$622.2M+9.9%
Total assets$5.7B+3.4%

Cash flow

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Operating cash flow$26.9M+15.2%
CapEx$1.1M-71.1%
Free cash flow$25.8M+31.9%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$668.85M+29.1%
Enterprise value$676.66M+28.6%
P/E9×-2.9×
P/S2.6×+0.1×

Profitability

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Net margin29.2%+8.2pp
FCF margin28.7%+0.6pp

Returns & leverage

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Return on equity12.5%+4.1pp
Debt / equity0×0.0×

Segments

By product

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Service Charges On Deposits And Debit Card Fee Income$8.1M-0.4%
Trust And Financial Services$1.3M+2.2%
Interchange Income$176.0K-0.6%
Financial Service Other-$57.0K-128%

FAQ

When did First Financial Corporation report Q3 2025 earnings?
First Financial Corporation (THFF) reported Q3 2025 earnings on October 28, 2025 before market open.
What were First Financial Corporation's Q3 2025 revenue and EPS?
First Financial Corporation reported revenue of $65.8M and eps of $1.75 for Q3 2025.
Did First Financial Corporation beat estimates in Q3 2025?
Revenue missed the consensus estimate of $67.9M by $2.2M. EPS beat the consensus estimate of $1.61 by $0.14.
Where can I find First Financial Corporation's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000714562-25-000058) and the 10-Q periodic report (0000714562-25-000062) directly on SEC EDGAR. The filing index links above go to sec.gov.