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F

First Financial Corporation (THFF)

61.93

0.00 (0.00%)

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  • Financial
  • Dividends
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Stock details

Previous close
61.93$
Day's range
61.78 - 62.57$
52-week range
42.05 - 69.21$
Volume
79 195
Average volume
99 480
Beta
0.82
EPS (TTM)
6.68
PE ratio (TTM)
9.27
Market cap
736 465 138
Shares outstanding
11 891 896
Dividend yield
$3.37 (3.37%)
Next earnings date
2026-04-28
Sector
Financials
Industry
Banks - Regional

About the company

First Financial Corporation operates as the bank holding company for First Financial Bank N.A. that provides various financial services for individuals and businesses in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia in the United States. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits; checking ... read more
CEO
Norman Lowery
Country
United States
IPO Date
Employees
946
Fiscal Year End
January - December
Website
https://www.first-online.bank

Revenue Breakdown

Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: THFF

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Overall Score

5 / 1050%
Financial Strength
5.6
Profitability
6.4
Effectiveness
4.5
Growth
7.2
Forecast
6.1
Valuation
5.2

Financial Strength

NAMERATIOINDUSTRY5Y TRENDSCORE
Current ratio0.082.821.0
Quick ratioN/A2.821.0
Debt to Equity0.750.057.0
Debt to Assets0.080.099.0
Interest coverageN/AN/A10
Weighted average score5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)
Values in USD (B=Billions, M=Millions, K=Thousands)
METRIC2022202320242025TTM
Total Revenue230M271M308M348M348M
Gross ProfitN/AN/AN/AN/AN/A
Operating Income88M72M57M99M99M
Net Income71M61M47M79M79M
EBITDAN/AN/AN/AN/AN/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAMERATIOINDUSTRY5Y TRENDSCORE
Gross margin %N/A48.43
1.0
Operating margin %28.750.44
10
Net margin %23.4032.70
10
EBITDA margin %N/A0.00
1.0
Cash flow margin %31.240.00
10
Weighted average score6.4

Net Margin

Effectiveness

NAMERATIOINDUSTRY5Y TRENDSCORE
ROA1.241.46
3.0
ROE11.6914.94
7.0
ROIC11.200.00
7.0
ROCEN/A0.00
1.0
Weighted average score4.5

Estimated EPS vs Actual EPS

Forecast

NAMEREVENUE GROWTHEPS GROWTHSCORE
Current quarter11.687.316.0
Next quarter15.4911.688.0
Current year11.947.936.5
Next year3.463.244.0
Weighted average score6.1

Analyst Rating

Growth

NAMEREVENUENET INCOMEEPSFCFSCORE
Q/Q4.413.333.436.514.3
Y/Y7.7332.132.1298.099.0
3y average14.7710.2712.9912.067.5
5y average11.6912.6914.9413.587.8
Weighted average score7.2

Revenue Growth Rate vs. Industry

Valuation

NAMERATIOINDUSTRY5Q TRENDSCORE
P/E9.0711.16
7.8
PEG (5yr expected)N/A98.42
1.0
P/S2.743.37
4.8
P/B1.111.53
7.0
Weighted average score5.2

DCF Model

DCF Model PeriodN/A
Discount rateN/A
Perpetual growth rateN/A
Revenue 5 year CAGRN/A
FCF 5 year CAGRN/A
Fair value$
Stock price61.93$

Dividend

NAMECURRENTINDUSTRYSCORE
Dividend yield3.453.458.0
Payout ratio32.5232.525.0
5-year dividend growth rate-0.58-0.581.0
Years of dividend increase2.002.003.0
Weighted average score4.3

Economic Moat

NAMESCALESCORE
Market shareNone1.0
Intangible assetsNone1.0
Switching costsNone1.0
Network effectNone1.0
Economies of scaleNone1.0
Weighted average score1.0
Dividend
4.3
Economic Moat
1

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $488.2M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.8) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $27.4M, supporting its financial health

Fair Value

Fair Value

$1

UndervaluedStock priceOvervalued

$61.93