First Financial Q2 net income $18.6M ($1.57 EPS) vs $11.4M YoY; NIM expands to 4.15%

FIRST FINANCIAL CORP /IN/

2025-Q2 EPS reported $3.12

Net income $18.6M vs $11.4M in Q2 2024; diluted EPS $1.57 vs $0.96.
Record net interest income $52.7M (+34% YoY); net interest margin 4.15% vs 3.57%.
Average total loans $3.88B, up 21.25% YoY; 7th consecutive quarter of loan growth.
Nonperforming loans fell to $9.8M (0.25% of loans) vs $15.9M (0.50%) a year ago.
Quarterly dividend of $0.51 declared; 518,860 shares remain under repurchase authorization.

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