First Financial Corp.
- THFF ยท Nasdaq
- State Commercial Banks
- Terre Haute, IN
- 946 employees
- CIK 0000714562
Updated from SEC filings through
Top things to know
Executives
- Norman D. Lowery President and Chief Executive Officer 8-K, 2026-10-27
- Paul D. Nungester, Jr. Secretary/Treasurer and Chief Financial Officer 8-K, 2026-09-17
- Rodger Allen McHargue CHIEF FINANCIAL OFFICER 4, 2026-02-10
- Stephen P. Panagouleas Senior Vice President and Chief Credit Officer 8-K, 2026-06-30
- Mark A. Franklin Senior Vice President and Chief Lending Officer 8-K, 2026-06-30
- Mark Allen Franklin CHIEF LENDING OFFICER 4, 2026-03-02
What leadership is saying
“We are pleased with our third quarter results. The quarter marked another quarter of record net income and record net interest income. Our net interest margin and profitability remain strong with a 4.36% net interest margin and a 1.54% return on assets year-to-date. Loan pipelines remain strong and credit quality remains stable”
Earnings press release (8-K Ex. 99.1), filed October 27, 2026
First Financial Corp is a U.S. public company in state commercial banks (SIC 6022), headquartered in Terre Haute, IN. It trades as THFF on Nasdaq. Revenue was $306M in the fiscal year ending December 31, 2025, +15.4% from the year before. It reported about 946 employees. Norman D. Lowery is President and Chief Executive Officer.
Five-year financials
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $306M 10-K, 2026-03-04 | $265M 10-K, 2026-03-04 | $228M 10-K, 2026-03-04 | $183M 10-K, 2025-03-05 | $152M 10-K, 2024-03-11 |
| Operating income | Not on file | Not on file | Not on file | Not on file | Not on file |
| SG&A | Not on file | Not on file | Not on file | Not on file | Not on file |
| Net income | $79.2M 10-K, 2026-03-04 | $47.3M 10-K, 2026-03-04 | $60.7M 10-K, 2026-03-04 | $71.1M 10-K, 2025-03-05 | $53.0M 10-K, 2024-03-11 |
Annual figures from XBRL in each company's own filings. Click a figure to open the filing. SG&A marked derived is general and administrative plus selling and marketing.
Leadership and board
| Name | Title | Source |
|---|---|---|
| Norman D. Lowery Chief Executive Officer at First Financial Bank NA | President and Chief Executive Officer | 8-K, 2026-10-27 |
| Paul D. Nungester, Jr. | Secretary/Treasurer and Chief Financial Officer | 8-K, 2026-09-17 |
| Rodger Allen McHargue | CHIEF FINANCIAL OFFICER | 4, 2026-02-10 |
| Stephen P. Panagouleas Chief Credit Officer at First Financial Bank | Senior Vice President and Chief Credit Officer | 8-K, 2026-06-30 |
| Mark A. Franklin | Senior Vice President and Chief Lending Officer | 8-K, 2026-06-30 |
| Mark Allen Franklin | CHIEF LENDING OFFICER | 4, 2026-03-02 |
| ger A. McHargue | Secretary | DEF 14A, 2026-03-17 |
| Mark J. Blade | Board member (per proxy) bio: Director | DEF 14A, 2026-03-17 |
| Norman L. Lowery | Chairman, Director | 10-K, 2026-03-04 |
| Gregory L. Gibson | Director | 10-K, 2026-03-04 |
| James O. McDonald | Director | 10-K, 2026-03-04 |
| Mark Blade | Director | 10-K, 2026-03-04 |
| Michael A. Carty | Director | 10-K, 2026-03-04 |
| Paul J. Pierson II | Director | 10-K, 2026-03-04 |
| Richard J. Shagley | Director | 10-K, 2026-03-04 |
| Ronald K. Rich | Director | 10-K, 2026-03-04 |
What First Financial Corp does
A cautionary note about forward-looking statements: In its oral and written communication, First Financial Corporation from time to time includes forward-looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements can include statements about estimated cost savings, plans and objectives for future operations and expectations about performance, as well as economic and market conditions and trends.
Item 1. Business, 10-K for the year ending December 31, 2025
Shares and governance
| Shares outstanding | 11.9 million (as of November 1, 2026) | 10-Q, November 4, 2026 |
|---|---|---|
| Public float | $584M (as of June 30, 2025) | 10-K, March 4, 2026 |
| Reportable segments | 1 (period ending September 30, 2026) | 10-Q, November 4, 2026 |
| Latest proxy statement | Meeting April 15, 2026 (filed March 17, 2026) | DEF 14A, March 17, 2026 |
| Auditor | Crowe LLP (Indianapolis, Indiana) | Latest 10-K |
Insider trades
Open-market buys and sales by officers and directors, from Forms 4 and 5. One row per filing.
| Date | Insider | Trade | Shares | Value | Source |
|---|---|---|---|---|---|
| October 16, 2026 | James O. McDonald Director | Buy | 87 | $6K | Form 4, October 23, 2026 |
| July 16, 2026 | James O. McDonald Director | Buy | 84 | $6K | Form 4, July 17, 2026 |
| March 2, 2026 | Mark Allen Franklin CHIEF LENDING OFFICER | Sale | 2,209 | $143K | Form 4, March 2, 2026 |
| December 4, 2025 | Susan M. Jensen Director | Buy | 28 | $2K | Form 4, December 9, 2025 |
| October 13, 2025 | James O. McDonald Director | Buy | 2,295 | $120K | Form 4, October 17, 2025 |
| June 10, 2025 | Susan M. Jensen Director | Buy | 148 | $8K | Form 4, November 18, 2025 |
Recent 8-K events
- 8-K filed 2026-10-27
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-09-17
- Item 5.02 Departure or appointment of directors or officers; compensation
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-09-17
- Item 8.01 Other events
- 8-K filed 2026-09-04
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-08-27
- Item 1.01 Entry into a material definitive agreement
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-07-28
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-06-30
- Item 5.02 Departure or appointment of directors or officers; compensation
- 8-K filed 2026-06-30
- Item 5.02 Departure or appointment of directors or officers; compensation
- 8-K filed 2026-06-17
- Item 8.01 Other events
- 8-K filed 2026-04-28
- Item 2.02 Results of operations and financial condition (earnings release)
Frequently asked questions about First Financial Corp
- What does First Financial Corp do?
- In its own words, from Item 1 of its 10-K: "A cautionary note about forward-looking statements: In its oral and written communication, First Financial Corporation from time to time includes forward-looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements can include statements about estimated cost savings, plans and objectives for future operations and expectations about performance, as well as economic and market conditions and trends."
- What is First Financial Corp's revenue?
- $306M for the fiscal year ending December 31, 2025, from its 10-K filed March 4, 2026.
- Is First Financial Corp profitable?
- First Financial Corp reported net income of $79.2M for the fiscal year ending December 31, 2025.
- How many employees does First Financial Corp have?
- About 946 as of December 31, 2025, as stated in its annual report.
- Who is the CEO of First Financial Corp?
- Norman D. Lowery, President and Chief Executive Officer, as named in a 8-K filed October 27, 2026.
- Who is the CFO of First Financial Corp?
- Paul D. Nungester, Jr., Secretary/Treasurer and Chief Financial Officer, as named in a 8-K filed September 17, 2026.
- Where is First Financial Corp headquartered?
- Terre Haute, IN.
- What is First Financial Corp's stock ticker?
- THFF on Nasdaq.
- What industry is First Financial Corp in?
- State Commercial Banks, SIC code 6022.
- What is First Financial Corp's website?
- first-online.com.
- When does First Financial Corp report earnings next?
- January 26, 2027. Source: estimate_8k_pattern.
- Is First Financial Corp a public company?
- Yes. First Financial Corp files with the SEC under CIK 0000714562 and trades as THFF.
- Who audits First Financial Corp?
- Crowe LLP, Indianapolis, Indiana, as named in its latest annual report (10-K).
- How many shares of First Financial Corp are outstanding?
- 11.9 million shares as of November 1, 2026, from its 10-Q filed November 4, 2026.
- What is First Financial Corp's public float?
- $584M as of June 30, 2025, as reported on the cover of its 10-K filed March 4, 2026.
- How many business segments does First Financial Corp report?
- 1 reportable segment for the period ending September 30, 2026, from its 10-Q filed November 4, 2026.
- When is First Financial Corp's annual shareholder meeting?
- April 15, 2026, per its proxy statement (DEF 14A) filed March 17, 2026.
- Have First Financial Corp insiders traded stock recently?
- Since June 10, 2025, officers and directors reported 1 open-market sale worth about $143K and 5 purchases worth about $143K on Forms 4 and 5. The most recent: James O. McDonald (Director) bought 87 shares on October 16, 2026.