---
schema_version: "secwatch.filing_event.v1"
accession: "0000714562-26-000035"
form_type: "8-K"
ticker: "THFF"
cik: "0000714562"
company_name: "FIRST FINANCIAL CORP /IN/"
filed_at: "2026-04-28T23:59:59+00:00"
generated_at: "2026-05-15T03:24:38.256319+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Financial Q1 net income $19.8M ($1.67 EPS) vs $18.4M a year ago; closes CedarStone acquisition

## Summary
- Net interest income record $56.9M, up 9.5% YoY; net interest margin 4.23% vs 4.11%.
- Completed CedarStone Financial acquisition Mar 1, adding $292M loans, $313M deposits; $716K bargain purchase gain.
- Nonperforming loans surged to $28.5M (0.64% of loans) from $10.2M (0.26%) a year ago.
- Provision for credit losses $2.6M vs $2.0M YoY; allowance 1.18% of loans.
- Tangible book value per share $45.13, up 18.4% YoY; dividend maintained at $0.56 per quarter.

## SEC filing metadata
- accession: 0000714562-26-000035
- form_type: 8-K
- ticker: THFF
- cik: 0000714562
- company_name: FIRST FINANCIAL CORP /IN/
- filed_at: 2026-04-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714562/000071456226000035/0000714562-26-000035-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714562/000071456226000035/thff-20260428x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714562-26-000035
- JSON: https://secwatch.observer/filing/0000714562-26-000035.json
- Plain text: https://secwatch.observer/filing/0000714562-26-000035.txt

## Key facts
- Earnings Releases
  FIRST FINANCIAL CORP /IN/ reported three months ended March 31, 2026 results: net income $19.8 million, EPS $1.67.
  - Period: three months ended March 31, 2026
  - Net income: $19.8 million
  - EPS: $1.67
  - Result: reported results
  source text: First Financial Corporation Reports First Quarter Results Terre Haute, Indiana, April 28, 2026 – First Financial Corporation (NASDAQ:THFF) today announced results for the first quarter of 2026. ● Net income was $19.8 million compared to $18.4 million reported for the same period of 2025; ● Diluted net income per common share of $1.67 compared to $1.55 for the same period of 2025;
  evidence_url: https://www.sec.gov/Archives/edgar/data/714562/000071456226000035/0000714562-26-000035-index.htm

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