First Financial Posts Record NII in Q2
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 22 2025
0mins
Should l Buy THFF?
Source: Fool
Strong Financial Performance: First Financial reported a significant increase in earnings per share to $1.57, surpassing analyst expectations, with net income rising 63% year-over-year due to broad-based loan growth and improved efficiency metrics.
Strategic Expansion and Asset Quality: The bank is focusing on market expansion while maintaining strong capital ratios and improving asset quality, as evidenced by a reduction in nonperforming loans and a notable increase in deposits, despite rising non-interest expenses.
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Analyst Views on THFF
Wall Street analysts forecast THFF stock price to rise
1 Analyst Rating
0 Buy
1 Hold
0 Sell
Hold
Current: 67.410
Low
68.00
Averages
68.00
High
68.00
Current: 67.410
Low
68.00
Averages
68.00
High
68.00
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 79 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.
Valuation Analysis of First Financial Bancorp Stock
- Stock Performance Review: First Financial Bancorp achieved a 31.9% return over the past year, although this performance lags behind peers, indicating shifts in market attention and perceived risks associated with the stock.
- Valuation Model Analysis: The Excess Returns model estimates the intrinsic value at approximately $62.27 per share, while the current stock price is $28.08, suggesting a 54.9% undervaluation, presenting a potential investment opportunity for investors.
- P/E Ratio Comparison: With a P/E ratio of 10.86x, First Financial Bancorp trades below the peer average of 16.74x, reflecting market caution regarding its future earnings potential and indicating a relative discount compared to peers.
- Investor Sentiment Shift: Increased focus on regional banks has made discussions around First Financial Bancorp's financial health and loan growth pivotal in shaping market sentiment, influencing how investors perceive the stock.
See More
First Financial Declares Quarterly Dividend of $0.56 per Share
- Dividend Declaration: First Financial has declared a quarterly dividend of $0.56 per share, consistent with previous distributions, reflecting the company's stable cash flow and profitability, which bolsters investor confidence.
- Yield Analysis: The forward yield of 3.64% provides relative attractiveness in the current market environment, potentially drawing in income-seeking investors and further supporting stock performance.
- Payment Schedule: The dividend is payable on April 15, with a record date of April 1 and an ex-dividend date also on April 1, ensuring shareholders receive timely returns and enhancing their willingness to hold shares.
- Investor Interest: The strong financial metrics and consistent dividend payment capability of First Financial indicate the potential for continued profit growth, attracting more investor attention to its stock performance.
See More
First Financial Reports Q4 Earnings Results
- Earnings Highlights: First Financial reported a GAAP EPS of $1.81 for Q4, indicating stable profitability despite market fluctuations, which is crucial for investor confidence.
- Revenue Performance: The company achieved revenue of $102 million in Q4, demonstrating its ability to maintain solid income levels in the current economic environment, reflecting business resilience.
- Historical Data Reference: First Financial's historical earnings data provides investors with essential insights for assessing long-term financial health and future growth potential, aiding in informed decision-making.
- Dividend Scorecard: The dividend scorecard for First Financial underscores its commitment to shareholder returns, further enhancing investor confidence in the company's future performance.
See More
First Financial Corporation Reports Significant Growth in Q4 2025 Earnings
- Net Income Growth: In Q4 2025, net income reached $21.5 million, a 32.7% increase from $16.2 million in Q4 2024, demonstrating the company's strong market performance and reinforcing its financial stability.
- Earnings Per Share Increase: Diluted earnings per share rose to $1.81, up 32.1% from $1.37 in the same quarter of 2024, reflecting improved profitability and providing higher returns for shareholders.
- Loan Portfolio Expansion: As of December 31, 2025, total loans outstanding reached $4.06 billion, a 5.69% increase from $3.84 billion in 2024, marking a continued expansion in the lending business and enhancing market competitiveness.
- Record Net Interest Income: The net interest income for Q4 2025 was a record $60.6 million, up 22.2% from $49.6 million in Q4 2024, indicating robust growth in interest income and laying a solid foundation for future business development.
See More
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.
See More
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.
See More
Valuation Analysis of First Financial Bancorp Stock
- Stock Performance Review: First Financial Bancorp achieved a 31.9% return over the past year, although this performance lags behind peers, indicating shifts in market attention and perceived risks associated with the stock.
- Valuation Model Analysis: The Excess Returns model estimates the intrinsic value at approximately $62.27 per share, while the current stock price is $28.08, suggesting a 54.9% undervaluation, presenting a potential investment opportunity for investors.
- P/E Ratio Comparison: With a P/E ratio of 10.86x, First Financial Bancorp trades below the peer average of 16.74x, reflecting market caution regarding its future earnings potential and indicating a relative discount compared to peers.
- Investor Sentiment Shift: Increased focus on regional banks has made discussions around First Financial Bancorp's financial health and loan growth pivotal in shaping market sentiment, influencing how investors perceive the stock.
See More
First Financial Declares Quarterly Dividend of $0.56 per Share
- Dividend Declaration: First Financial has declared a quarterly dividend of $0.56 per share, consistent with previous distributions, reflecting the company's stable cash flow and profitability, which bolsters investor confidence.
- Yield Analysis: The forward yield of 3.64% provides relative attractiveness in the current market environment, potentially drawing in income-seeking investors and further supporting stock performance.
- Payment Schedule: The dividend is payable on April 15, with a record date of April 1 and an ex-dividend date also on April 1, ensuring shareholders receive timely returns and enhancing their willingness to hold shares.
- Investor Interest: The strong financial metrics and consistent dividend payment capability of First Financial indicate the potential for continued profit growth, attracting more investor attention to its stock performance.
See More
First Financial Reports Q4 Earnings Results
- Earnings Highlights: First Financial reported a GAAP EPS of $1.81 for Q4, indicating stable profitability despite market fluctuations, which is crucial for investor confidence.
- Revenue Performance: The company achieved revenue of $102 million in Q4, demonstrating its ability to maintain solid income levels in the current economic environment, reflecting business resilience.
- Historical Data Reference: First Financial's historical earnings data provides investors with essential insights for assessing long-term financial health and future growth potential, aiding in informed decision-making.
- Dividend Scorecard: The dividend scorecard for First Financial underscores its commitment to shareholder returns, further enhancing investor confidence in the company's future performance.
See More
First Financial Corporation Reports Significant Growth in Q4 2025 Earnings
- Net Income Growth: In Q4 2025, net income reached $21.5 million, a 32.7% increase from $16.2 million in Q4 2024, demonstrating the company's strong market performance and reinforcing its financial stability.
- Earnings Per Share Increase: Diluted earnings per share rose to $1.81, up 32.1% from $1.37 in the same quarter of 2024, reflecting improved profitability and providing higher returns for shareholders.
- Loan Portfolio Expansion: As of December 31, 2025, total loans outstanding reached $4.06 billion, a 5.69% increase from $3.84 billion in 2024, marking a continued expansion in the lending business and enhancing market competitiveness.
- Record Net Interest Income: The net interest income for Q4 2025 was a record $60.6 million, up 22.2% from $49.6 million in Q4 2024, indicating robust growth in interest income and laying a solid foundation for future business development.
See More
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.
See More
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.
See More
