---
schema_version: "secwatch.filing_event.v1"
accession: "0000714562-26-000008"
form_type: "8-K"
ticker: "THFF"
cik: "0000714562"
company_name: "FIRST FINANCIAL CORP /IN/"
filed_at: "2026-02-03T23:59:59+00:00"
generated_at: "2026-05-16T05:28:10.322008+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- accession: 0000714562-26-000008
- form_type: 8-K
- ticker: THFF
- cik: 0000714562
- company_name: FIRST FINANCIAL CORP /IN/
- filed_at: 2026-02-03T23:59:59+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/714562/000071456226000008/0000714562-26-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714562/000071456226000008/thff-20260203x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714562-26-000008
- JSON: https://secwatch.observer/filing/0000714562-26-000008.json
- Plain text: https://secwatch.observer/filing/0000714562-26-000008.txt

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