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First Financial
First Financial (THFF) investor relations material
First Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary3 Feb, 2026
Executive summary
Net income for Q4 2025 was $21.5M, up from $16.2M in Q4 2024; full-year net income reached $79.2M, up from $47.3M year-over-year.
Diluted EPS for Q4 2025 was $1.81, up from $1.37; full-year EPS was $6.68, up from $4.00 year-over-year.
Achieved ninth consecutive quarter of loan growth, surpassing $4B in loans for the first time.
Record net interest income and net income for 2025, with strong capital positioning entering 2026.
Financial highlights
Net interest income for Q4 2025 was a record $60.6M, up 22.2% year-over-year; full-year net interest income was $219.9M, up from $175.0M.
Net interest margin for Q4 2025 was 4.66%, up from 3.94% in Q4 2024.
Provision for credit losses in Q4 2025 was $2.4M, up from $2.0M; full-year provision was $8.2M, down from $16.2M.
Non-interest income for Q4 2025 was $9.9M, down from $12.2M, impacted by $4.6M in investment portfolio restructuring losses.
Non-interest expense for Q4 2025 was $41.8M, up from $39.8M, including $1.4M in acquisition-related costs and $1.3M in one-time expenses.
Outlook and guidance
Management expressed confidence in continued momentum and strong capital entering 2026.
Deposit decline impact on funding strategy?
Credit quality outlook given NPL/ACL trends?
Investment portfolio restructuring strategy?
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Latest events from First Financial
- Proxy covers director elections, executive pay, auditor ratification, and major 2024 achievements.THFF
Proxy Filing2 Dec 2025 - Proxy details director elections, executive pay, auditor ratification, and ESG progress.THFFProxy Filing2 Dec 2025
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- Record Q4 net interest income and loan growth offset by higher credit loss provisions in 2024.THFFQ4 20245 Jun 2025
Next First Financial earnings date
Q1 202624 Apr, 2026
First Financial
Next First Financial earnings date
Q1 202624 Apr, 2026
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