---
schema_version: "secwatch.filing_event.v1"
accession: "0000714562-25-000006"
form_type: "8-K"
ticker: "THFF"
cik: "0000714562"
company_name: "FIRST FINANCIAL CORP /IN/"
filed_at: "2025-02-04T23:59:59+00:00"
generated_at: "2026-05-27T03:44:43.824060+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# First Financial Q4 net income up 31% to $16.2M; full year down 22% to $47.3M

## Summary
- Q4 2024 net income $16.2M ($1.37 diluted EPS) vs $12.4M ($1.06) in Q4 2023.
- Full year 2024 net income $47.3M ($4.00 EPS) vs $60.7M ($5.08) in 2023, driven by higher provision.
- Record Q4 net interest income $49.6M; net interest margin expanded to 3.94% from 3.63% a year ago.
- SimplyBank acquisition contributed $467M in loans and $622M in deposits; total loans up 21% YoY.
- Quarterly dividend raised to $0.51 from $0.45; nonperforming loans dropped to 0.35% of loans.

## SEC filing metadata
- accession: 0000714562-25-000006
- form_type: 8-K
- ticker: THFF
- cik: 0000714562
- company_name: FIRST FINANCIAL CORP /IN/
- filed_at: 2025-02-04T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714562/000071456225000006/0000714562-25-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714562/000071456225000006/thff-20250204x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714562-25-000006
- JSON: https://secwatch.observer/filing/0000714562-25-000006.json
- Plain text: https://secwatch.observer/filing/0000714562-25-000006.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.