---
schema_version: "secwatch.filing_event.v1"
accession: "0000714562-25-000058"
form_type: "8-K"
ticker: "THFF"
cik: "0000714562"
company_name: "FIRST FINANCIAL CORP /IN/"
filed_at: "2025-10-28T23:59:59+00:00"
generated_at: "2026-05-17T02:04:08.182999+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Financial Q3 net income $20.8M ($1.75 EPS), up from $8.7M; record net interest income

## Summary
- Diluted EPS $1.75 vs $0.74 a year ago; net income $20.8M vs $8.7M.
- Net interest income record $54.6M, up 15.8% YoY; margin expanded to 4.25% from 3.78%.
- Loan growth continued for 8th consecutive quarter; total loans $3.97B (+6.8% YoY).
- Provision for credit losses $2.0M, down sharply from $9.4M in Q3 2024.
- Quarterly dividend kept at $0.51/share; declared and paid in October 2025.

## SEC filing metadata
- accession: 0000714562-25-000058
- form_type: 8-K
- ticker: THFF
- cik: 0000714562
- company_name: FIRST FINANCIAL CORP /IN/
- filed_at: 2025-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714562/000071456225000058/0000714562-25-000058-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714562/000071456225000058/thff-20251028x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714562-25-000058
- JSON: https://secwatch.observer/filing/0000714562-25-000058.json
- Plain text: https://secwatch.observer/filing/0000714562-25-000058.txt

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