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First Financial Corporation THFF R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.first-online.bank
Company Profile ↓
$79.34
+45.21% 1Y
Mkt Cap$943.50M
P/E11.11
P/B1.48
Div. Yield2.72%
52W High$82.79
52W Low$50.26
Book Value$55.10
EPS (TTM)$7.14

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 11.1, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 31.6%.

Dividend Income

Offers a dividend yield of 2.72%.

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 +16.6%, earnings +21.8%.
  • 5-Year Trend Long-term compounding — profit CAGR 8.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:16.60%

Compounded Profit Growth

5 Years:8.12%
1 Year:21.80%

Stock Price Performance

1 Year:+45.21%
6 Months:+30.52%
3 Months:+12.43%
1 Month:-3.78%

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

Technical Snapshot Bullish
52-Week Range 89% of range
$50.26 $82.79
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)50.84 · Neutral
Price Performance
1M-3.78%
3M+12.43%
6M+30.52%
1Y+45.21%
Valuation vs Sector

P/E of 11.11 is below the sector median of 14.52 — 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 31.6%.
  • Attractive dividend yield of 2.72%.
  • 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
11.11
Industry PE
14.52
Forward P/E
10.23
PEG Ratio
9.51
Book Value
$55.10
Price to Book
1.48
P/S
3.61
EV/EBITDA
-
Dividend Yield
2.72%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
8.12%
Revenue (YoY)
16.60%
Earnings (YoY)
21.80%

Profitability & Returns

ROCE
-
ROE
13.42%
ROA
1.44%
Profit Margin
31.61%
Op Margin
41.28%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.67
EPS (TTM)
$7.14

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$601.55M
Total Assets
$6.18B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.73%
Chg in Prom Hold
-1.25%
FII / Inst Holding
63.29%
Chg in FII Hold
-21.26%

Financial Snapshot

Enterprise Value
$943.50M
Total Revenue (TTM)
$268.14M
EBITDA
-
Free Cash Flow
$86.42M
Operating Cash Flow
$90.41M
Shares Outstanding
11.89M
Gross Margin
0.00%
Payout Ratio
30.67%

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 R2KR3KFINANCIAL 79.34 11.11 $943.50M 2.72% - 13.42% - 8.12%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 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 2026Jun 2026
Net Income 6.92M8.40M7.11M13.68M8.23M8.16M8.34M9.37M8.35M8.79M2.62M8.95M15.26M11.31M11.06M9.68M12.57M12.26M14.36M12.18M11.92M14.00M15.74M12.88M16.61M16.10M20.92M15.61M18.05M15.98M15.99M16.29M10.92M11.37M8.74M18.41M18.59M20.76M19.80M22.74M
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
3.73%
Institutions
63.29%
Public Float
65.73%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 13.85% 1.65M $130.50M
2 Dimensional Fund Advisors LP 6.02% 716.11K $56.74M
3 First Financial Corp /in/ 5.31% 631.11K $50.01M
4 State Street Corporation 4.37% 520.08K $41.21M
5 Vanguard Capital Management LLC 4.12% 489.60K $38.80M
6 Charles Schwab Investment Management, Inc. 4.00% 475.27K $37.66M
7 American Century Companies Inc 3.44% 409.66K $32.46M
8 LSV Asset Management 3.26% 387.56K $30.71M
9 Geode Capital Management, LLC 2.61% 310.95K $24.64M
10 Vanguard Portfolio Management LLC 2.49% 295.53K $23.42M

Analyst View

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Latest News

Recent headlines for THFF

Google News Mon, 07 Sep 2026

First Financial Corp. (THFF) Could Be a Great Choice - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMinAFBVV95cUxPWWc2YlpITGNURFJ3SmdCLVFPdU1xR29VMmVNTXdMWXUtNGNEQWxfVmEtMFJHN0g4R1NNOXM1RHZWYWp2VEZJUFljOVlPSV8wX0p6T3NHTTd5cTlBQTZiSFNKWjg1MWFpazVvZnBwRnVRUGlYbVk0YUhZalUxOUFORTVzUTMwenE4OXhILU…

Google News Sat, 05 Sep 2026

Trading Systems Reacting to (THFF) Volatility - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxPU2dNM2JxMHc1dXFKNTNmYm9WU05vZi1sRktyaTJYcU4wcXNpTlZIMHFXS0FQMFJDbGh4VFByWE50UmRHUHhTZDMyVk52MnBRQk8xUEdOOW94S2tUMXQ3WVF4cUd0azE0WGtfTHZfME81UUROMnNPR21PZ3czWU5LNnkxNzZHVGc1N3E5eT…

Google News hu, 27 Aug 2026

First Financial’s planned merger would add 8 bank branches in central Illinois - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxOQ01fWmFIYkhSakhVNjRjRzQyUlhoWlN1azdQWGt0N2tybGpTaU53Ym5WZDUtTTN1Y2tsOEQ2WEZGa1dDWXlFMkRjYVNEOW56SjZxVndYMXVxbFVjOTBzVGFRUXFqNG96QlBOS1YzOUJMYldUVVFUelRmUEU4UGZwLTJxVUZYaVQ1cUJMbX…

Google News hu, 27 Aug 2026

First Financial Corporation Indiana (NASDAQ:THFF) Shares Pass Above Two Hundred Day Moving Average - Time to Sell? - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMi_gFBVV95cUxNTFUtRjNQV01ORUhleUZYanFTVHZlM3Q2enA0OTQwbDN0U2FlUVEwYVJ5V0dqRlZ0YkEzeVE4bkdwTDEyX3pTSG5MZUdCMjdKYUYtWXh5X01iWHJxR3QwckpoQ3NxNU9seXVDQmU2Y2MxY3B0bXBsYmhRT05PR0pBYTh5aTVnNE5RY0F2QU…

Google News ue, 28 Jul 2026

First Financial (THFF) Stock Rises As Margins Strengthen And Valuation Questions Linger - simplywall.st

<a href="https://news.google.com/rss/articles/CBMiywFBVV95cUxNU3dPenJ1VWE0cXJ3T0s3eUdQcDBubUFseHAyMkxEUmxGcUtmS3JQeXZPZFBGT0Z2TE04MjNCczY0YXlPeHo4SmhlWWN6QTZ5cUgxaXdaZXVtaGNueDViUmtzTTkwajl0eGwxbFhsUXFEcHRlX0F0eU52LUxqem1sZU1lWUppT3c2T3Z2TW…

Google News Wed, 02 Sep 2026

THFF stock holds steady as First Financial Corporation focuses on steady banking metrics - ad-hoc-news.de

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THFF — Frequently Asked Questions

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

As of 2026-09-07 16:24 PDT, First Financial Corporation (THFF) trades at $79.34 on NasdaqGS. Its 52-week range is $50.26 to $82.79.

What is the market capitalisation of THFF?

First Financial Corporation (THFF) has a market capitalisation of $943.50M on NasdaqGS.

What is the P/E ratio of THFF?

THFF trades at a trailing price-to-earnings (P/E) ratio of 11.11. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.48.

Does THFF pay a dividend?

First Financial Corporation (THFF) currently offers a dividend yield of 2.72%.

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

THFF has a return on equity (ROE) of 13.42%.

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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