First Financial reports record net income for 2025; EPS $6.68 vs $4.00 YoY

FIRST FINANCIAL CORP /IN/

2025-FY EPS reported $6.68

Q4 net income $21.5M ($1.81 EPS) vs $16.2M ($1.37 EPS) YoY; full-year net income $79.2M ($6.68 EPS) vs $47.3M ($4.00 EPS).
Net interest income record $60.6M in Q4, up 22.2% YoY; net interest margin expanded to 4.66% from 3.94%.
Total loans surpassed $4B for first time, up 5.69% YoY to $4.06B; organic growth driven by CRE, construction, and auto.
Quarterly dividend increased to $0.56 from $0.51, paid January 15, 2026.
Pending acquisition of CedarStone Financial ($1.4M in Q4 merger expenses).

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.