Stephen P. Panagouleas
Effective July 1, 2024, Stephen P. Panagouleas was appointed Senior Vice President, Chief Credit Officer of First Financial Corporation and First Financial Bank N.A.
Highest-materiality recent filing
First Financial Q1 net income $19.8M ($1.67 EPS) vs $18.4M a year ago; closes CedarStone acquisition
Net interest income record $56.9M, up 9.5% YoY; net interest margin 4.23% vs 4.11%.
First Financial Corporation announces results of 2026 annual shareholder meeting
Elected directors Mark J. Blade, Gregory L. Gibson, Norman D. Lowery, Paul J. Pierson, Richard J. Shagley for three-year terms; broker non-votes of 1,855,729.
President & CEO Norman Lowery, CFO Rodger McHargue, and CCO Steve Panagouleas to present on March 24, 2026.
First Financial declares $0.56 quarterly dividend payable April 15
Quarterly dividend of $0.56 per share declared, consistent with prior rate.
First Financial completes $25M cash acquisition of CedarStone Financial, Inc.
On March 1, 2026, closed acquisition of CedarStone Financial for $19.12 per share in cash.
First Financial reports record net income for 2025; EPS $6.68 vs $4.00 YoY
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).
First Financial to present at Janney CEO Forum; no financial details in exhibit
Norman Lowery (CEO), Rodger McHargue (CFO), Steve Panagouleas (CCO) to present at Janney CEO Forum Feb 4-5, 2026.
First Financial Corp declares $0.56 quarterly dividend payable Jan 15, 2026
Dividend of $0.56 per share declared, payable January 15, 2026.
First Financial (THFF) to acquire CedarStone for $25M cash ($19.12/sh); expands in Nashville
Aggregate deal value $25.0M; 100% cash consideration; $19.12 per share.
First Financial Q3 net income $20.8M ($1.75 EPS), up from $8.7M; record net interest income
Diluted EPS $1.75 vs $0.74 a year ago; net income $20.8M vs $8.7M.
First Financial Corp declares $0.51 quarterly dividend, payable Oct 15
Quarterly dividend of $0.51 per share declared.
First Financial Corp. presents at KBW Community Bank Investor Conference July 29-30
CFO Rodger A. McHargue and CCO Steve Panagouleas to attend KBW conference on July 29-30, 2025.
First Financial Q2 net income $18.6M ($1.57 EPS) vs $11.4M YoY; NIM expands to 4.15%
Net income $18.6M vs $11.4M in Q2 2024; diluted EPS $1.57 vs $0.96.
First Financial Corp declares $0.51 quarterly dividend, payable July 15, 2025
Dividend of $0.51 per share, unchanged from prior quarter.
Agreements effective July 1, 2025, for Rodger McHargue (CFO), Stephen Panagouleas (CCO), and Mark Franklin (CLO).
First Financial enters new CEO employment agreement with Norman Lowery
New agreement effective July 1, 2025, with initial 24-month term; compensation committee may extend annually.
First Financial Q1 net income $18.4M, EPS $1.55; record NII $52M, NIM 4.11%
Net income $18.4M ($1.55 diluted EPS) vs $10.9M ($0.93) a year ago; ROAA 1.34% vs 0.91%.
First Financial Corp reports 2025 annual meeting voting results
Six directors elected; each received 6.85M–8.07M votes for, with 1.98M broker non-votes.
First Financial Corp declares $0.51 quarterly dividend payable April 15
Dividend of $0.51 per share declared.
First Financial Q4 net income up 31% to $16.2M; full year down 22% to $47.3M
Q4 2024 net income $16.2M ($1.37 diluted EPS) vs $12.4M ($1.06) in Q4 2023.
First Financial Corp to present at Janney CEO Forum; no earnings or guidance disclosed
President/CEO Norman Lowery, CFO Rodger McHargue, CCO Steve Panagouleas to participate Jan 30, 2025.
First Financial declares Q4 dividend of $0.51 per share
Quarterly cash dividend of $0.51 per share declared by First Financial Corporation board.
First Financial management presents at Piper Sandler bank tour; no new financial details disclosed
President/CEO Norman Lowery, CFO Rodger McHargue, CCO Steve Panagouleas participate in Dec 3 tour.
First Financial Q3 EPS $0.74; net income drops 47% YoY; closes SimplyBank acquisition
Net income $8.7M vs $16.3M YoY; diluted EPS $0.74 vs $1.37.
First Financial Corp declares $0.45 quarterly dividend, shifts to quarterly payout frequency
Dividend of $0.45 per share declared; payable October 15, 2024 to holders of record October 1, 2024.
First Financial to present at Raymond James conference; no material updates in filing
CEO Lowery, CFO McHargue, and CCO Panagouleas to host investor meetings on Sept 4, 2024.
First Financial signs new CEO employment agreement with Norman Lowery; base salary $650K
New 24-month employment agreement for President/CEO Norman D. Lowery effective July 1, 2024.
First Financial Corp signs employment agreements with CFO, CCO, CLO; base salaries set
McHargue (CFO) base salary $360K; Panagouleas (CCO) $295K; Franklin (CLO) $296,928; effective Jan/Jul 2024.
First Financial Q2 net income $11.4M ($0.96 EPS) vs $16.0M ($1.33) a year ago
Net income $11.4M, diluted EPS $0.96, down from $16.0M ($1.33) in Q2 2023; pre-tax pre-provision income $16.2M vs $21.2M.
First Financial Corporation completes acquisition of SimplyBank for ~$73.4M
Closed on July 1, 2024; each SimplyBank share converted to $718.38 cash.
First Financial appoints Stephen P. Panagouleas as SVP, Chief Credit Officer effective July 1, 2024
Stephen P. Panagouleas appointed Senior Vice President, Chief Credit Officer of First Financial Corporation and First Financial Bank N.A.
Quarterly dividend of $0.45 per share declared, payable July 15, 2024 to holders of record July 1, 2024.
First Financial Q1 net income falls 32% to $10.9M; NIM narrows to 3.53%
Diluted EPS of $0.93 vs $1.33 in Q1 2023; net income $10.9M vs $16.0M.
Effective July 1, 2024, Stephen P. Panagouleas was appointed Senior Vice President, Chief Credit Officer of First Financial Corporation and First Financial Bank N.A.
Max materiality 0.80 · Median 0.35 · Most common event earnings