First Financial Announces Q3 EPS of $1.75, Exceeding Consensus Estimate of $1.59
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 28 2025
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Return on Average Assets: The return on average assets increased to 1.48% for the quarter ending September 30, 2025, up from 0.64% in the same period of 2024.
Provision for Credit Losses: The provision for credit losses decreased significantly to $2 million compared to $9.4 million in the third quarter of 2024.
Book Value per Share: As of September 30, 2025, the book value per share was reported at $52.50.
Efficiency Ratio: The Corporation's efficiency ratio improved to 56.63% for the quarter ending September 30, 2025, down from 64.43% in the same quarter of 2024.
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Analyst Views on THFF
Wall Street analysts forecast THFF stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for THFF is 62.00 USD with a low forecast of 62.00 USD and a high forecast of 62.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
0 Buy
1 Hold
0 Sell
Hold
Current: 62.480
Low
62.00
Averages
62.00
High
62.00
Current: 62.480
Low
62.00
Averages
62.00
High
62.00
About THFF
First Financial Corporation is the holding company for First Financial Bank N.A. (the Bank). It offers a variety of financial services, including commercial, mortgage and consumer lending, lease financing, trust account services and depositor services through its subsidiary. The Bank's loan portfolio includes commercial loans, real estate mortgages and consumer loans. Its commercial loans are predominately loans to expand a business or finance asset purchases. Its real estate mortgages are secured by 1-4 family residences and are generally owner-occupied and include residential real estate and residential real estate construction loans. Its consumer portfolio primarily consists of home equity loans and lines (secured by a subordinate lien on a 1-4 family residence), secured loans (typically secured by automobiles, boats, recreational vehicles, or motorcycles), cash/CD secured, and unsecured loans. The Bank has approximately 83 branches in Indiana, Illinois, Kentucky, and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
First Financial Corporation Declares $0.56 Dividend Payable January 15, 2026
- Dividend Declaration: The board of First Financial Corporation has declared a dividend of $0.56 per share, payable on January 15, 2026, demonstrating the company's ongoing commitment to shareholder returns.
- Record Date for Shareholders: The dividend will be paid to shareholders of record as of January 2, 2026, ensuring eligible shareholders receive their earnings promptly, which enhances investor confidence.
- Business Coverage: As the holding company for First Financial Bank N.A. operating in Indiana, Illinois, Kentucky, Tennessee, and Georgia, the stable dividend policy further solidifies the company's market position across multiple states.
- Signal of Financial Health: This dividend announcement reflects the company's robust financial condition and profitability, potentially attracting more investor interest and enhancing the stock's market performance.
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First Financial Corporation Declares $0.56 Dividend Payable January 15, 2026
- Dividend Declaration: The board of First Financial Corporation has declared a dividend of $0.56 per share, payable on January 15, 2026, which is expected to attract more investor interest and enhance the company's market appeal.
- Shareholder Returns: This dividend payment will benefit shareholders of record as of January 2, 2026, indicating the company's commitment to shareholder returns, which may boost investor confidence and stabilize the stock price.
- Regional Business Coverage: As the holding company for First Financial Bank, the corporation operates in Indiana, Illinois, Kentucky, Tennessee, and Georgia, demonstrating its market penetration across multiple states.
- Future Outlook: By maintaining consistent dividend payments, First Financial Corporation not only showcases its stable financial condition but also potentially attracts more long-term investors, thereby laying a foundation for future growth.
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