Compared to Estimates, First Financial Corp. (THFF) Q4 Earnings: A Look at Key Metrics

Core Insights - First Financial Corp. reported revenue of $61.82 million for the quarter ended December 2024, marking a year-over-year increase of 21.6$1.37, up from $1.06 a year ago, with an EPS surprise of 6.20$1.29 [1] Financial Performance Metrics - Net Interest Margin was reported at 3.9%, slightly above the two-analyst average estimate of 3.8% [4] - The Efficiency Ratio stood at 63%, compared to the two-analyst average estimate of 61.9% [4] - Total Non-Interest Income was $12.21 million, exceeding the two-analyst average estimate of$10.80 million [4] - Gain on sale of mortgage loans was $0.27 million, slightly below the average estimate of$0.30 million based on two analysts [4] Stock Performance - Shares of First Financial Corp. have returned +6.9% over the past month, outperforming the Zacks S&P 500 composite's +1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]