NASDAQ$THFF

First Financial Corporation · Q4 2024 earnings

Q4 2024 earnings · · During market hours · Investor relations

Briefing

First Financial Corporation's Q4 2024 earnings were reported, showing increased net income and earnings per share compared to the same period last year, driven by loan growth and net interest income.

First Financial Corporation reported a net income of $16.2 million for Q4 2024, an increase from $12.4 million in Q4 2023. Diluted earnings per share rose to $1.37 from $1.06 year-over-year. The corporation experienced loan growth and record net interest income, contributing to an expanded net interest margin.

  • Net income increased to $16.2 million, compared to $12.4 million in the same period of 2023.
  • Diluted net income per common share was $1.37, up from $1.06 for the same period in 2023.
  • Average total loans increased to $3.79 billion, versus $3.13 billion in the comparable period in 2023.
  • Net interest income reached a record $49.6 million, compared to $39.6 million in the same period of 2023.

Headline financials

Total Revenue

$61.8M

Previous: $50.8M+21.6%
EPS (adj)

$1.37

Previous: $1.06+29.2%
Capital Expenditures

-$1.04M

Previous: $1.26M-182.4%
Free Cash Flow

$13.9M

No prior period
Net Income

$16.2M

Previous: $12.4M+30.8%
Operating Income

$20M

Previous: $14.1M+42.0%

Revenue & EPS history

First Financial · Revenue · Quarterly

$61.8M

Q4 2024+21.6%vs Q4 2023
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Revenue by segment

First Financial · $45.4M total across 2 segments · Q1 2020

  • Net Interest Income
    $36.4M
  • Non-Interest Income
    $9.1M

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2024

Historical avgQ4 2024

+0.6%

Avg return

Earnings day

+1.3%

Avg return

5 days after

+2.4%

Avg return

30 days after

59%

38 / 64 earnings

Positive

+10.4%

Q2 2019

Best reaction

-7.1%

Q4 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-3.0%-1.3%+3.1%
Q4 2025+1.2%+2.9%-4.6%
Q3 2025-1.9%-2.2%+8.2%
Q1 2025+2.1%+1.2%+4.8%
Q4 2024+4.1%+8.3%+2.9%
Q3 2024+0.2%-1.0%+15.0%
Q2 2024+0.1%+4.7%-5.1%
Q1 2024-0.6%+2.8%+1.0%
Q4 2023-7.1%-9.8%-12.3%
Q3 2023+1.8%+3.4%+16.7%
Q2 2023+1.6%+3.4%-2.2%
Q1 2023-0.4%+1.4%-0.3%
Q4 2022+2.1%+2.0%-1.7%
Q3 2022-1.1%+2.0%+1.4%
Q2 2022+3.4%+3.1%+4.6%
Q1 2022+0.1%-1.2%+2.7%
Q4 2021-2.2%-0.8%+4.6%
Q3 2021-1.5%+0.1%+5.1%
Q2 2021+1.3%+1.7%+0.9%
Q1 2021-2.1%-0.4%+1.0%
Q4 2020+2.8%+7.0%+12.4%
Q3 2020+1.2%+3.7%+13.8%
Q2 2020-2.1%+0.0%+2.0%
Q1 2020+3.7%-1.8%+2.5%
Q4 2019+0.0%+2.7%-7.4%
Q3 2019-0.1%+1.2%+1.7%
Q2 2019+10.4%+12.2%+5.9%
Q1 2019+1.8%+2.0%-8.0%
Q4 2018+1.1%+3.5%+7.1%
Q3 2018-6.5%-4.9%-0.6%
Q2 2018+2.7%+6.2%+9.7%
Q1 2018-0.8%-0.9%-0.6%
Q4 2017+5.3%+4.0%+4.9%
Q3 2017+0.2%+1.9%-2.7%
Q2 2017-1.6%-3.2%-9.0%
Q1 2017-0.1%-2.0%-7.2%
Q4 2016-2.9%+0.5%+0.1%
Q3 2016+3.4%-0.5%+17.7%
Q2 2016+2.2%+0.8%+7.2%
Q1 2016+1.4%
Q4 2015-0.2%
Q3 2015+4.0%
Q2 2015-2.1%
Q1 2015+1.1%
Q4 2014-0.3%
Q3 2014+2.3%
Q2 2014+0.6%
Q1 2014+3.3%
Q4 2013+1.6%
Q3 2013-1.1%
Q2 2013+0.1%
Q1 2013-1.6%
Q4 2012+0.4%
Q3 2012-0.1%
Q2 2012-1.4%
Q1 2012+0.4%
Q4 2011+1.3%
Q3 2011-1.9%
Q2 2011+0.8%
Q2 2010+0.8%
Q1 2011+1.0%
Q4 2010-1.8%
Q3 2010+4.5%
Q1 2010+4.6%

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