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First Financial Corporation THFF R2K

Financial Services · Banks - Regional · United States
https://www.first-online.bank
Company Profile ↓
$74.86
+33.98% 1Y
Mkt Cap$890.23M
P/E11.01
P/B1.36
Div. Yield2.85%
52W High$78.18
52W Low$50.26
Book Value$55.10
EPS (TTM)$6.80

Company Overview

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 and savings accounts; personal and business certificates of deposit; and digital banking services. It also provides commercial loans primarily to expand a business or finance asset purchases; real estate mortgages, including residential real estate and residential real estate construction loans; home equity loans and lines, secured loans, cash/CD secured loans, and unsecured loans; mortgage refinance; personal and auto loans; and credit cards. In addition, the company offers lease financing, trust account, and depositor services; business services, including accounts receivable and payable, merchant services, fraud protection, money management, and workplace rewards; and wealth services. The company was formerly known as Terre Haute First Corporation and changed its name to First Financial Corporation in December 1984. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 11.0, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 31.2%.

Dividend Income

Offers a dividend yield of 2.85%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +8.4%, earnings +7.2%.
  • 5-Year Trend Long-term compounding — profit CAGR 8.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:8.40%

Compounded Profit Growth

5 Years:8.12%
1 Year:7.20%

Stock Price Performance

1 Year:+33.98%
6 Months:+23.35%
3 Months:+12.98%
1 Month:+1.89%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 88% of range
$50.26 $78.18
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)54.05 · Neutral
Price Performance
1M+1.89%
3M+12.98%
6M+23.35%
1Y+33.98%
Valuation vs Sector

P/E of 11.01 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 31.2%.
  • Attractive dividend yield of 2.85%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.01
Industry PE
13.30
Forward P/E
9.88
PEG Ratio
9.51
Book Value
$55.10
Price to Book
1.36
P/S
3.45
EV/EBITDA
-
Dividend Yield
2.85%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
8.12%
Revenue (YoY)
8.40%
Earnings (YoY)
7.20%

Profitability & Returns

ROCE
-
ROE
13.14%
ROA
1.38%
Profit Margin
31.16%
Op Margin
38.74%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.67
EPS (TTM)
$6.80

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$565.92M
Total Assets
$6.13B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
4.98%
Chg in Prom Hold
-
FII / Inst Holding
83.31%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
$890.23M
Total Revenue (TTM)
$258.70M
EBITDA
-
Free Cash Flow
$86.42M
Operating Cash Flow
$91.97M
Shares Outstanding
11.89M
Gross Margin
0.00%
Payout Ratio
31.47%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 THFF First Financial Corporation R2K 74.86 11.01 $890.23M 2.85% - 13.14% - 8.12%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 7.76M6.92M8.40M7.11M13.68M8.23M8.16M8.34M9.37M8.35M8.79M2.62M8.95M15.26M11.31M11.06M9.68M12.57M12.26M14.36M12.18M11.92M14.00M15.74M12.88M16.61M16.10M20.92M15.61M18.05M15.98M15.99M16.29M10.92M11.37M8.74M18.41M18.59M20.76M19.80M
Diluted EPS ------------------------0.951.241.241.671.271.501.331.331.370.930.960.741.551.571.751.67

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 22.72M28.04M37.20M32.81M31.53M33.77M30.20M38.41M29.13M46.58M48.87M53.84M52.99M71.11M60.67M47.27M79.21M
Diluted EPS -----------3.934.025.825.084.006.68

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --2.45B2.95B2.90B3.02B3.00B2.98B2.99B3.00B3.01B4.02B4.56B5.18B4.99B4.85B5.56B5.76B
Total Equity 286.84M306.48M321.72M346.96M372.12M386.19M394.21M410.32M414.39M413.57M442.70M547.12M596.99M582.58M475.29M527.98M549.04M650.87M
Cash & Equivalents 67.30M84.37M58.51M134.28M87.23M71.03M78.10M88.69M75.01M74.11M74.39M-------
Long Term Debt ----119.70K58.29M12.89M12.68M132.00K0031.00K6.00K15.94M9.59M108.58M28.12M188.21M
Total Liabilities --2.13B2.61B2.52B2.63B2.61B2.57B2.57B2.59B2.57B3.47B3.96B4.59B4.51B4.32B5.01B5.11B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow --------50.13M57.45M49.90M77.42M55.07M78.79M86.09M60.37M90.41M
Investing Cash Flow ---------26.67M-34.32M-32.87M-16.25M-312.16M-433.69M-22.10M-66.12M-126.16M
Financing Cash Flow ---------24.37M-22.84M36.00M468.87M287.65M-110.61M-209.75M22.52M72.59M
Capital Expenditure --2.41M-1.48M-10.95M-2.52M-5.30M-3.39M-3.05M-2.98M-2.01M-1.10M-3.91M-3.83M-1.43M-6.54M-6.11M-3.98M
Free Cash Flow --------47.16M55.44M48.80M73.52M51.23M77.36M79.55M54.26M86.42M
Share Buybacks 616.00K610.00K00162.00K14.63M8.70M19.40M503.00K391.00K315.00K9.22M42.47M27.70M11.51M376.00K795.00K
Dividends Paid 11.81M11.94M12.23M12.43M12.77M12.95M12.63M12.36M30.56M12.50M12.65M14.27M14.18M14.46M15.38M21.25M24.16M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % 7.4%8.7%10.7%8.8%8.2%8.6%7.4%9.3%7.0%10.5%8.9%9.0%9.1%15.0%11.5%8.6%12.2%
ROCE % -----------------

Shareholding Pattern

Insiders
4.98%
Institutions
83.31%
Public Float
87.68%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 12.60% 1.50M $115.62M
2 Dimensional Fund Advisors LP 5.99% 712.35K $54.96M
3 First Financial Corp /in/ 5.38% 640.27K $49.40M
4 Vanguard Capital Management LLC 4.02% 478.09K $36.89M
5 State Street Corporation 3.91% 464.44K $35.83M
6 Charles Schwab Investment Management, Inc. 3.60% 428.38K $33.05M
7 LSV Asset Management 3.33% 396.26K $30.57M
8 American Century Companies Inc 3.12% 371.49K $28.66M
9 Geode Capital Management, LLC 2.47% 293.56K $22.65M
10 Vanguard Portfolio Management LLC 2.36% 280.52K $21.64M

Analyst View

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Latest News

Recent headlines for THFF

Google News Mon, 13 Jul 2026

Understanding Momentum Shifts in (THFF) - Stock Traders Daily

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Google News Wed, 01 Jul 2026

First Financial Corp. (THFF) is a Great Momentum Stock: Should You Buy? - Yahoo Finance

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Google News hu, 09 Jul 2026

First Financial Corporation Indiana (NASDAQ:THFF) Share Price Passes Above 200-Day Moving Average - Should You Sell? - MarketBeat

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Google News Wed, 17 Jun 2026

First Financial pays 56 cents a share on July 15 - Stock Titan

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Google News Fri, 03 Jul 2026

First Financial - Benzinga España

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Google News ue, 28 Apr 2026

FIRST FINANCIAL|IN ($THFF) Releases Q1 2026 Earnings | THFF Stock News - Quiver Quantitative

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THFF — Frequently Asked Questions

What is the current share price of First Financial Corporation (THFF)?

As of 2026-07-14 21:23 PDT, First Financial Corporation (THFF) trades at $74.86 on NasdaqGS. Its 52-week range is $50.26 to $78.18.

What is the market capitalisation of THFF?

First Financial Corporation (THFF) has a market capitalisation of $890.23M on NasdaqGS.

What is the P/E ratio of THFF?

THFF trades at a trailing price-to-earnings (P/E) ratio of 11.01. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.36.

Does THFF pay a dividend?

First Financial Corporation (THFF) currently offers a dividend yield of 2.85%.

What is the return on equity (ROE) of THFF?

THFF has a return on equity (ROE) of 13.14%.

Is THFF a good stock to buy?

This page provides a data-driven analysis of First Financial Corporation (THFF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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