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First Financial (THFF) investor relations material
First Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 was $20.8 million, up from $8.7 million in Q3 2024, with diluted EPS of $1.75 versus $0.74 year-over-year.
For the nine months ended September 30, 2025, net income reached $57.8 million, up from $31.0 million in the same period of 2024, and diluted EPS was $4.87 versus $2.63.
Return on average assets improved to 1.48% for Q3 2025 from 0.64% in Q3 2024.
Pre-tax, pre-provision net income for Q3 2025 was $27.7 million, up from $19.9 million in Q3 2024.
Financial highlights
Net interest income for Q3 2025 was a record $54.6 million, up 15.8% year-over-year; net interest margin rose to 4.25% from 3.78%.
Provision for credit losses dropped to $2.0 million in Q3 2025 from $9.4 million in Q3 2024.
Non-interest income for Q3 2025 was $11.1 million, nearly flat year-over-year.
Non-interest expense for Q3 2025 was $38.0 million, down from $38.6 million in Q3 2024.
Efficiency ratio improved to 56.63% in Q3 2025 from 64.43% in Q3 2024.
Outlook and guidance
Management anticipates further net interest margin expansion due to liability-sensitive positioning and expects continued robust loan growth.
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Frequently asked questions
First Financial Corporation operates as a financial holding company, providing a range of banking and financial services. The company primarily serves individuals, businesses, and municipalities through its subsidiary, First Financial Bank. Key services offered include commercial and consumer lending, deposit products, trust and wealth management, as well as investment services. The corporation operates in sectors such as commercial real estate, residential mortgage lending, and small business banking. The company is headquartered in Terre Haute, Indiana, and its shares are listed on the NASDAQ.
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