76.99
+0.98%
Close of 9 Nov 2026, in USD
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About First Financial
From its filings with the US Securities and Exchange Commission
First Financial is based in Terre Haute, Indiana and is incorporated in Indiana. Its shares trade on Nasdaq under the ticker THFF. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $79.2m. At that date it held total assets of $5.76bn and shareholders' equity of $650.9m.
First Financial Corporation (the “Corporation”) is a financial holding company. The Corporation was originally organized as an Indiana corporation in 1984 to operate as a bank holding company.
The Corporation, which is headquartered in Terre Haute, Indiana, offers a wide variety of financial services including commercial, mortgage and consumer lending, lease financing, trust account services, and depositor services through its subsidiary. At the close of business in 2025 the Corporation and its subsidiaries had 946 full-time equivalent employees.
Commercial loans are predominately loans to expand a business or finance asset purchases. The underlying risk in the Commercial loan segment is primarily a function of the reliability and sustainability of the cash flows of the borrower and secondarily on the underlying collateral securing the transaction. From time to time, the cash flows of borrowers may be less than historical or as planned. In addition, the underlying collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets financed or other business assets and most commercial loans are further supported by a personal guarantee. However, in some instances, short term loans are made on an unsecured basis. Agriculture production loans are typically secured by growing crops and generally secured by other assets such as farm equipment. Production loans are subject to weather and market pricing risks. The Corporation has established underwriting standards and guidelines for all commercial loan types.
Quoted from its 10-K, filed 4 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 3 Mar 1992
- Employees
- 946
- Website
- first-online.bank ↗
- Head office
- ONE FIRST FINANCIAL PLAZA, TERRE HAUTE, IN, 47807
- Incorporated in
- IN
- Classification
- State Commercial Banks
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Mr. Norman LoweryNon-Executive Chairman of the Board, since 2025$1.4m
- Mr. Norman LoweryPresident, Chief Executive Officer, Director, since 2010$1.4m
- Mr. Rodger MchargueChief Financial Officer, Treasurer, Secretary$755,186
- Mr. Stephen PanagouleasSenior Vice President, Chief Lending Officer, Chief Credit Officer$324,044
- Mr. Mark FranklinChief Lending Officer$861,026
- Mr. Ronald RichLead Independent Director$89,000
- Mr. Richard ShagleyDirector$74,000
- Mr. Mark BladeIndependent Director$80,000
- Mr. W. Curtis BrightonIndependent Director$80,000
- Mr. Michael CartyIndependent Director$80,000
- Mr. Thomas DinkelIndependent Director$86,000
- Mr. Gregory GibsonIndependent Director$78,000
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 20
- Environment
- 6
- Social
- 36
- Governance
- 17
- Women in the workforce
- 75.28474%
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- First Financial Corp has a strong market presence and brand reputation, which has been built over several years of operation. It has successfully established a loyal customer base and has earned the trust of its clients.
- The company's extensive product and service offerings cater to a wide range of financial needs. This diversified portfolio helps First Financial Corp attract and retain customers by offering them a comprehensive suite of financial solutions.
- First Financial Corp benefits from a well-experienced and knowledgeable management team, equipped with expertise in various areas of banking and finance. Their leadership skills and strategic decision-making have contributed to the company's growth and profitability.
Weaknesses
- Despite its strong market presence, First Financial Corp faces intense competition from both traditional banks and emerging fintech companies. This competitive landscape puts pressure on the company to continuously innovate and stay ahead of the curve.
- First Financial Corp may be vulnerable to changes in interest rates and economic conditions, which could impact its profitability and loan portfolios. Fluctuations in the market and economic downturns pose risks to the company's performance.
- The company's geographical concentration in specific regions exposes it to local economic factors. Any adverse developments in the local economy could significantly impact First Financial Corp's operations and financial performance.
Opportunities
- First Financial Corp has the opportunity to expand its market reach by leveraging technology and investing in digital banking solutions. This enables the company to reach a wider customer base and provide convenient and efficient banking services.
- The increasing demand for sustainable and socially responsible investment options presents an opportunity for First Financial Corp to develop and offer innovative green financial products. This aligns with the growing trend of conscious consumerism and enhances the company's brand image.
- Collaborating with fintech startups or acquiring disruptive technology companies can help First Financial Corp stay competitive and foster innovation in its product and service offerings.
Threats
- Regulatory changes and compliance requirements pose a significant threat to First Financial Corp. Adapting to new regulations and ensuring compliance can be time-consuming and costly for the company.
- Cybersecurity threats and data breaches pose a risk to the security and privacy of First Financial Corp's customers. The company needs to continuously invest in robust cybersecurity measures to protect its systems and customer data from potential attacks.
- Macroeconomic factors, such as economic recessions or financial crises, could adversely affect the banking industry as a whole. First Financial Corp needs to be prepared to navigate such challenges and mitigate potential negative impacts on its operations.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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