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First Financial Corporation THFF Q4 2025 Annual earnings

Reported February 3, 2026 · Before market open

Revenue$70.6MBeat by $2.5M
EPS$1.81Beat by $0.12
Revenue estimate$68.1M
EPS estimate$1.69

Next report

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

Financials

Q4 2025

Income statement

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Revenue$70.6M+14.1%
Net income$21.5M+32.1%
EPS (diluted)$1.81+32.1%

Balance sheet

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Total debt$7.5M-3.6%
Total equity$650.9M+18.5%
Total assets$5.8B+3.5%

Cash flow

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Operating cash flow$29.8M+87.8%
CapEx$1.2M+15.2%
Free cash flow$28.6M+92.9%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$716.02M+31.3%
Enterprise value$723.56M+30.8%
P/E9×-2.5×
P/S2.7×+0.2×

Profitability

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Net margin30.3%+8.5pp
FCF margin33%+8.1pp

Returns & leverage

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Return on equity13.2%+4.4pp
Debt / equity0×0.0×

Segments

By product

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Service Charges On Deposits And Debit Card Fee Income$8.1M+0.8%
Interchange Income$185.0K+12.1%
Financial Service Other-$236.0K-705%

FAQ

When did First Financial Corporation report Q4 2025 earnings?
First Financial Corporation (THFF) reported Q4 2025 earnings on February 3, 2026 before market open.
What were First Financial Corporation's Q4 2025 revenue and EPS?
First Financial Corporation reported revenue of $70.6M and eps of $1.81 for Q4 2025.
Did First Financial Corporation beat estimates in Q4 2025?
Revenue beat the consensus estimate of $68.1M by $2.5M. EPS beat the consensus estimate of $1.69 by $0.12.
How did First Financial Corporation's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.1% from $61.8M a year earlier and eps grew 32.1% from $1.37.
Where can I find First Financial Corporation's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000714562-26-000008) and the 10-K periodic report (0000714562-26-000014) directly on SEC EDGAR. The filing index links above go to sec.gov.