Monitor the company's upcoming formal Q3 2026 earnings release for updates on loan growth, NIM trends, and the status of the active share repurchase program. The CedarStone acquisition integration and commercial pipeline conversion are key near-term metrics.
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Executive Summary
First Financial Corporation filed an 8-K furnishing an investor presentation for an upcoming Raymond James conference. The presentation highlights the company's strong capital, earnings growth (2025 EPS $6.68 vs $4.00 in 2024), asset quality, and loan growth. It also notes the acquisition of CedarStone on 3/1/2026 and an active share repurchase program. No material new financial data or guidance was provided beyond what was already publicly available.
Key Facts
- First Financial will present at the Raymond James U.S. Bank and Banking on Tech Conferences on September 9, 2026.
- Tangible book value (TBV) per share as of June 30, 2026 was $46.98, up from $45.05 at year-end 2025.
- Diluted EPS for 2026 YTD was $3.58, compared to $6.68 for full-year 2025 and $4.00 for full-year 2024.
- Net interest income for 2026 YTD was $118.155 million (vs $219.868 million for full-year 2025).
- Total assets were $6.178 billion as of June 30, 2026, up from $5.756 billion at year-end 2025.
- As of June 30, 2026, a share repurchase program authorized on April 21, 2022 for 10% of outstanding shares (1,243,531 shares) was in progress, with 518,860 shares remaining.
- The company acquired CedarStone on March 1, 2026.
- Key capital ratios as of June 30, 2026: Tier 1 Leverage 10.81%, Total Risk-Based 13.79%, Tier 1 Risk-Based 12.78%.
- Non-performing loans (NPLs) were $27.157 million (0.61% of total loans) as of June 30, 2026, down from $28.754 million (0.65%) at March 31, 2026.
- Return on average assets (ROA) for 2026 YTD was 1.42% (same as full-year 2025).
- Return on average equity (ROE) for 2026 YTD was 12.82% (vs 13.30% for full-year 2025).
- Net charge-offs for Q2 2026 were $2.6 million (0.058% of total loans), up from $1.5 million (0.033%) in Q1 2026 and $2.0 million (0.041%) in Q2 2025.
- Allowance for loan losses was $50.938 million (1.14% of total loans) as of June 30, 2026, down from $52.338 million (1.18%) at March 31, 2026.
- Commercial production pipeline (new money) stood at $516.126 million as of June 30, 2026.
Financial Impact
No new material financial information disclosed beyond historical data. Filing is a routine investor presentation refresh for a conference.
Risk Factors
- Rising NPLs from 0.49% (Q3 2025) to 0.65% (Q1 2026) and 0.61% (Q2 2026) could signal credit quality deterioration.
- Net charge-offs increased sequentially from $1.5M (Q1 2026) to $2.6M (Q2 2026), though still low as a % of total loans.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000714562-26-000062 |
| Document: thff-20260904x8k.htm | 0000714562-26-000062 |
| Document: 0000714562-26-000062-index-headers.html | 0000714562-26-000062 |
| Document: 0000714562-26-000062-index.html | 0000714562-26-000062 |
| Document: 0000714562-26-000062.txt | 0000714562-26-000062 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 17, 2026 5w ago | 8-K | $76.55 $75.56 | ▼ −1.29% | ▼ −2.56% | $76.67 (+0.16%) |
Sep 17, 2026 5w ago | 8-K | $77.09 $75.22 | ▼ −2.43% | ▼ −3.03% | $76.67 (−0.54%) |
Sep 10, 2026 6w ago | 425 | $77.80 $77.09 | ▼ −0.91% | ▼ −0.41% | $76.67 (−1.45%) |
Sep 4, 2026 7w ago | 8-K | $79.34 $78.20 | ▼ −1.44% | ▼ −0.23% | $76.67 (−3.37%) |
Aug 27, 2026 8w ago | 8-K | $79.50 $78.70 | ▼ −1.01% | ▼ −1.27% | $76.67 (−3.56%) |
Jul 28, 2026 12w ago | 8-K | $79.91 $82.59 | ▲ +3.35% | ▲ +1.08% | $76.67 (−4.05%) |
Jul 28, 2026 12w ago | Press Release | $79.91 $82.59 | ▲ +3.35% | ▲ +1.08% | $76.67 (−4.05%) |
Jun 30, 2026 16w ago | 8-K | $77.44 $77.02 | ▼ −0.54% | ▼ −1.15% | $76.67 (−0.99%) |
Jun 30, 2026 16w ago | 8-K | $77.44 $77.02 | ▼ −0.54% | ▼ −1.15% | $76.67 (−0.99%) |
Jun 17, 2026 18w ago | 8-K | $72.88 $76.12 | ▲ +4.45% | ▲ +5.49% | $76.67 (+5.20%) |
US Market Status
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