What is First Financial's net margin?

Latest reported net margin for First Financial (THFF) is 25.12% as of the trailing twelve months (TTM) ending March 31, 2026.

How has First Financial net margin changed year-over-year?

First Financial (THFF) net margin changed +8.9 percentage points year-over-year on the latest annual filing.

When did First Financial net margin hit its highest annual value?

First Financial net margin reached its highest annual value of 30.91% in 2022.

What was First Financial net margin in 2024?

First Financial (THFF) net margin in 2024 was 15.37%.

What was First Financial net margin in 2025?

First Financial (THFF) net margin in 2025 was 24.26%.

First Financial (THFF) Net Profit Margin

TTM

25.1%

YoY change

+8.89pp

Trough year (1991)

9.5%

Peak year (2022)

30.9%

Net Profit Margin history chart for First Financial (THFF) from 1991 to 2025

Latest: 24.3%

Net Profit Margin change chart for First Financial (THFF) from 1991 to 2025

Latest: +8.89pp

Net Profit Margin history table for First Financial (THFF) from 1991 to 2025


2025	24.3%	+8.89pp	Dec 31, 2025	Mar 4, 2026
2024	15.4%	-7.01pp	Dec 31, 2024	Mar 5, 2025
2023	22.4%	-8.53pp	Dec 31, 2023	Mar 11, 2024
2022	30.9%	+3.64pp	Dec 31, 2022	Mar 8, 2023
2021	27.3%	+0.74pp	Dec 31, 2021	Mar 9, 2022
2020	26.5%	+0.47pp	Dec 31, 2020	Mar 11, 2021
2019	26.1%	-2.28pp	Dec 31, 2019	Mar 6, 2020
2018	28.3%	+8.93pp	Dec 31, 2018	Mar 6, 2019
2017	19.4%	-5.17pp	Dec 31, 2017	Mar 7, 2018
2016	24.6%	+4.15pp	Dec 31, 2016	Mar 9, 2017
2015	20.4%	-1.49pp	Dec 31, 2015	Mar 9, 2016
2014	21.9%	+1.78pp	Dec 31, 2014	Mar 6, 2015
2013	20.1%	-0.15pp	Dec 31, 2013	Mar 14, 2014
2012	20.3%	-4.58pp	Dec 31, 2012	Mar 15, 2013
2011	24.8%	+6.57pp	Dec 31, 2011	Mar 15, 2012
2010	18.3%	+4.56pp	Dec 31, 2010	Mar 15, 2011
2009	13.7%	-1.24pp	Dec 31, 2009	Mar 16, 2010
2008	15.0%	-0.15pp	Dec 31, 2008	Mar 13, 2009
2007	15.1%	+0.37pp	Dec 31, 2007	Mar 14, 2008
2006	14.7%	-0.26pp	Dec 31, 2006	Mar 15, 2007
2005	15.0%	-3.35pp	Dec 31, 2005	Mar 16, 2006
2004	18.3%	+1.09pp	Dec 31, 2004	Mar 16, 2005
2003	17.3%	+0.08pp	Dec 31, 2003	Mar 15, 2004
2002	17.2%	+2.61pp	Dec 31, 2002	Mar 31, 2003
2001	14.6%	+0.06pp	Dec 31, 2001	Mar 28, 2002
2000	14.5%	-0.33pp	Dec 31, 2000	Mar 28, 2001
1999	14.8%	+1.52pp	Dec 31, 1999	Mar 28, 2000
1998	13.3%	-0.46pp	Dec 31, 1998	Mar 24, 1999
1997	13.8%	+0.83pp	Dec 31, 1997	Mar 23, 1998
1996	12.9%	+0.47pp	Dec 31, 1996	Mar 27, 1997
1995	12.5%	-0.94pp	Dec 31, 1995	Mar 27, 1996
1994	13.4%	-0.60pp	Dec 31, 1994	Dec 31, 1994
1993	14.0%	+0.71pp	Dec 31, 1993	Dec 31, 1993
1992	13.3%	+3.82pp	Dec 31, 1992	Dec 31, 1992
1991	9.5%	—	Dec 31, 1991	Dec 31, 1991

202524.3%+8.89pp
202415.4%-7.01pp
202322.4%-8.53pp
202230.9%+3.64pp
202127.3%+0.74pp
202026.5%+0.47pp
201926.1%-2.28pp
201828.3%+8.93pp
201719.4%-5.17pp
201624.6%+4.15pp
201520.4%-1.49pp
201421.9%+1.78pp
201320.1%-0.15pp
201220.3%-4.58pp
201124.8%+6.57pp
201018.3%+4.56pp
200913.7%-1.24pp
200815.0%-0.15pp
200715.1%+0.37pp
200614.7%-0.26pp
200515.0%-3.35pp
200418.3%+1.09pp
200317.3%+0.08pp
200217.2%+2.61pp
200114.6%+0.06pp
200014.5%-0.33pp
199914.8%+1.52pp
199813.3%-0.46pp
199713.8%+0.83pp
199612.9%+0.47pp
199512.5%-0.94pp
199413.4%-0.60pp
199314.0%+0.71pp
199213.3%+3.82pp
19919.5%—

Net Profit Margin values are taken from First Financial's reported income statements (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.

About Net Profit Margin at First Financial (THFF)

According to First Financial's latest reported financial statements, the company's latest reported net margin is 25.1%. Net profit margin is net income divided by revenue — the bottom-line share of each sales dollar that remains after all costs, including operating expenses, interest, and taxes. It is the most comprehensive profitability ratio, though it can swing on one-off items, so read it alongside the multi-year trend below.

Headline figure above is from the reporting period ending March 31, 2026 (reported May 6, 2026). Chart and table below cover the full reported history back to 1991.

The 2025 reading of First Financial (THFF) net margin is 24.26% – expanded 8.9 percentage points year-over-year.

Across the available history, net margin reached its high of 30.91% in 2022 and its low of 9.49% in 1991.

First Financial Net Profit Margin by Year

First Financial Net Profit Margin 2025: 24.3%

First Financial net margin in 2025 was 24.26%, expanded 8.9 percentage points from 2024.

First Financial Net Profit Margin 2024: 15.4%

2024's net margin for First Financial came in at 15.37%, contracted 7.0 percentage points from 2023.

First Financial Net Profit Margin 2023: 22.4%

First Financial posted net margin of 22.38% in 2023, contracted 8.5 percentage points from 2022.

First Financial Net Profit Margin 2022: 30.9%

In 2022, First Financial reported net margin of 30.91%, expanded 3.6 percentage points from 2021. This figure represents the highest annual value in the available history.

First Financial Net Profit Margin 2021: 27.3%

First Financial net margin in 2021 was 27.27%.

See more financial history for First Financial (THFF).

Sector peers by Net Profit Margin

Financial Services peers of First Financial (THFF), ranked by their latest net margin


Visa (V)	51.7%
Mastercard (MA)	45.9%
JPMorgan Chase (JPM)	20.7%
Berkshire Hathaway (BRK-B)	19.3%
Bank of America (BAC)	18.1%
Wells Fargo (WFC)	17.3%
Goldman Sachs (GS)	16.3%
Morgan Stanley (MS)	15.1%

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