secwatch.observer — SEC 8-K summary
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Issuer:     FIRST FINANCIAL CORP /IN/ (THFF)
CIK:        0000714562
Form:       8-K
Filed at:   2026-02-03T23:59:59+00:00
Accession:  0000714562-26-000008
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714562/000071456226000008/0000714562-26-000008-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714562/000071456226000008/thff-20260203x8k.htm
  HTML page:      https://secwatch.observer/filing/0000714562-26-000008

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer