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First Financial Corporation THFF Provision for Credit Losses

Provision for Credit Losses at other companies

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Bank First CorporationBFC
$0+100%
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$129M-25.4%
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$36.21M-66.1%
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$68M-46.0%
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$8.93M-29.4%
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First Financial BanksharesFFIN
$4.18M+33.6%

Other financials

Income statement

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Revenue$71.9M+14.0%
Net income$22.7M+22.4%
EPS (diluted)$1.91+21.7%

Balance sheet

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Total debt$7.7M+4.6%
Total equity$675.8M+15.0%
Total assets$6.2B+10.3%

Cash flow

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Operating cash flow$18.1M+42.0%
CapEx$1.3M+14.7%
Free cash flow$16.8M+44.7%

Valuation

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Market cap$969.07M+53.1%
P/E11.4×+1.2×
P/S3.5×+0.9×

Profitability

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Net margin30.7%+5.5pp
FCF margin33.7%+6.6pp

Returns & leverage

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Return on equity13.4%+2.3pp
Debt / equity0.0×

Where this comes from

Reported directly by First Financial Corporation in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLossesExpensed.

The source filing: First Financial Corporation’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 10:26 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000714562-26-000053
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Other borrowings2,6271,6134,6592,778
TOTAL INTEREST EXPENSE22,99721,50644,01042,563
NET INTEREST INCOME61,22252,671118,155104,646
Provision for credit losses1,3001,9503,8503,900
NET INTEREST INCOME AFTER PROVISION
FOR CREDIT LOSSES59,92250,721114,305100,746
NON-INTEREST INCOME:
Trust and financial services1,5031,4902,9942,883

Item 1.Financial Statements

FAQ

What is First Financial Corporation's provision for credit losses?
First Financial Corporation (THFF) reported provision for credit losses of $1.3M in Q2 2026.
How has First Financial Corporation's provision for credit losses changed year-over-year?
First Financial Corporation's provision for credit losses decreased by 33.3% year-over-year, from $1.95M to $1.3M.
What is the long-term trend for First Financial Corporation's provision for credit losses?
Over 3 years (2021 to 2025), First Financial Corporation's provision for credit losses has grown at a 49.3% compound annual growth rate (CAGR), from $2.47M to $8.2M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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