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First Financial (THFF) investor relations material
First Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $18.6M, up from $11.4M in Q2 2024; six-month net income rose to $37.0M from $22.3M year-over-year.
Basic and diluted EPS increased to $1.57 for Q2 2025 from $0.96 in Q2 2024; six-month EPS rose to $3.12 from $1.89 year-over-year.
Return on average assets was 1.34% and return on average equity was 12.90% for Q2 2025, both up from prior year.
Pre-tax, pre-provision net income for Q2 was $24.9M, up from $16.2M; for six months, $50.6M vs. $31.2M.
Acquisition of SimplyBank completed July 1, 2024, with $11.2M in goodwill recognized.
Financial highlights
Net interest income for Q2 2025 was $52.7M, up from $39.3M in Q2 2024; net interest margin increased to 4.15% from 3.57%.
Non-interest income for Q2 2025 was $10.4M, up from $9.9M in Q2 2024.
Non-interest expense for Q2 2025 was $38.3M, up from $32.7M in Q2 2024, reflecting higher operating costs post-acquisition.
Provision for credit losses for Q2 2025 was $2.0M, down from $3.0M in Q2 2024; net charge-offs decreased to $1.7M from $4.7M.
Book value per share increased to $49.59 at June 30, 2025.
Outlook and guidance
Management considers liquidity and capital positions strong, with ratios well above regulatory requirements.
Management expects continued improvement in coming quarters, citing ongoing loan growth and margin expansion.
No material impact expected from recent tax legislation; ongoing evaluation of economic and credit conditions.
Interest rate risk and liquidity are actively managed; net interest income sensitivity modeled for various rate scenarios.
Explain the drivers of organic loan growth.
Why did the effective tax rate increase?
Elaborate on the outlook for net interest margin.
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Next First Financial earnings date
Q3 202528 Oct, 2025
Next First Financial earnings date
Q3 202528 Oct, 2025
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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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