First Financial Corporation THFF R2K

Financial Services · Banks - Regional · United States

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.

Market & Price

Market Cap

$822.68M

Current Price

$69.18

High / Low (52W)

$69.69 / $48.73

Beta

0.41

Valuation

Stock P/E

10.17

Industry PE

12.01

Forward P/E

9.13

PEG Ratio

9.51

Book Value

$54.78

Price to Book

1.26

P/S

3.18

EV/EBITDA

Dividend Yield

3.09%

Profitability & Returns

ROCE

ROE

13.14%

ROA

1.38%

Profit Margin

31.16%

Op Margin

38.74%

EPS (Latest Qtr)

$1.67

EPS (TTM)

$6.80

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$565.92M

Total Assets

$5.76B

Current Assets

Working Capital

Ownership

Promoter Holding

4.98%

Chg in Prom Hold

FII / Inst Holding

83.34%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.29B

Total Revenue (TTM)

$258.70M

EBITDA

Free Cash Flow

Operating Cash Flow

$91.97M

Shares Outstanding

11.89M

Gross Margin

0.00%

Payout Ratio

31.47%

Growth (CAGR)

Revenue 5Y

7.33%

Profit 5Y

3.66%

Revenue (YoY)

8.40%

Earnings (YoY)

7.20%

PROS

Excellent profit margin of 31.2%.
Attractive dividend yield of 3.09%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	THFF First Financial Corporation R2K	69.18	10.17	$822.68M	3.09%	-	13.14%	7.33%	3.66%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	62.49M	63.05M	65.75M	70.55M	68.15M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21.06M	21.51M	22.04M	21.12M	21.01M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	23.78M	22.83M	25.75M	26.36M	24.72M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.37M	4.24M	4.99M	4.90M	4.92M
Net Income	6.92M	8.40M	7.11M	13.68M	8.23M	8.16M	8.34M	9.37M	8.35M	8.79M	2.62M	8.95M	15.26M	11.31M	11.06M	9.68M	12.57M	12.26M	14.36M	12.18M	11.92M	14.00M	15.74M	12.88M	16.61M	16.10M	20.92M	15.61M	18.05M	15.98M	15.99M	16.29M	10.92M	11.37M	-	18.41M	18.59M	20.76M	21.45M	19.80M
Diluted EPS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.95	1.24	1.24	1.67	1.27	1.50	1.33	1.33	1.37	0.93	0.96	0.74	1.55	1.57	1.75	-	1.67

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	211.76M	209.96M	217.76M	261.84M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	18.26M	61.13M	89.76M	85.72M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	87.76M	72.49M	57.15M	98.71M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	16.65M	11.82M	9.88M	19.51M
Net Income	22.72M	28.04M	37.20M	32.81M	31.53M	33.77M	30.20M	38.41M	29.13M	46.58M	48.87M	53.84M	52.99M	71.11M	60.67M	47.27M	79.21M
Diluted EPS	-	-	-	-	-	-	-	-	-	-	-	3.93	4.02	5.82	5.08	4.00	6.68

Compounded Sales Growth

5 Years:	7.33%
1 Year:	8.40%

Compounded Profit Growth

5 Years:	3.66%
1 Year:	7.20%

Stock Price Performance

1 Year:	+38.44%
6 Months:	+19.03%
3 Months:	+10.16%
1 Month:	+6.53%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	2.45B	2.95B	2.90B	3.02B	3.00B	2.98B	2.99B	3.00B	3.01B	4.02B	4.56B	-	4.99B	4.85B	5.56B	5.76B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	67.30M	84.37M	58.51M	134.28M	87.23M	71.03M	78.10M	88.69M	75.01M	74.11M	74.39M	-	-	-	222.52M	76.76M	93.53M	130.37M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21.29M	24.88M	26.93M	27.76M
Total Liabilities	-	-	2.13B	2.61B	2.52B	2.63B	2.61B	2.57B	2.57B	2.59B	2.57B	3.47B	3.96B	-	4.51B	4.32B	5.01B	5.11B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	119.70K	58.29M	12.89M	12.68M	132.00K	0	0	31.00K	6.00K	-	9.59M	108.58M	28.12M	188.21M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.59M	108.58M	28.12M	188.21M
Total Equity	286.84M	306.48M	321.72M	346.96M	372.12M	386.19M	394.21M	410.32M	414.39M	413.57M	442.70M	547.12M	596.99M	-	475.29M	527.98M	549.04M	650.87M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.11M	16.14M	16.17M	16.19M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-	-	-	-	-	-	50.13M	57.45M	49.90M	77.42M	-	78.79M	86.09M	60.37M	90.41M
Investing Cash Flow	-	-	-	-	-	-	-	-	-26.67M	-34.32M	-32.87M	-16.25M	-	-433.69M	-22.10M	-66.12M	-126.16M
Financing Cash Flow	-	-	-	-	-	-	-	-	-24.37M	-22.84M	36.00M	468.87M	-	-110.61M	-209.75M	22.52M	72.59M
Capital Expenditure	-	-2.41M	-1.48M	-10.95M	-2.52M	-5.30M	-3.39M	-3.05M	-2.98M	-2.01M	-1.10M	-3.91M	-	-1.43M	-6.54M	-6.11M	-3.98M
Free Cash Flow	-	-	-	-	-	-	-	-	47.16M	55.44M	48.80M	73.52M	-	77.36M	79.55M	54.26M	86.42M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-465.51M	-145.76M	16.77M	36.84M
Share Buybacks	616.00K	610.00K	0	0	162.00K	14.63M	8.70M	19.40M	503.00K	391.00K	315.00K	9.22M	42.47M	27.70M	11.51M	376.00K	795.00K
Dividends Paid	11.81M	11.94M	12.23M	12.43M	12.77M	12.95M	12.63M	12.36M	30.56M	12.50M	12.65M	14.27M	14.18M	14.46M	15.38M	21.25M	24.16M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	33.6%	28.9%	21.7%	30.3%
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%	-	15.0%	11.5%	8.6%	12.2%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

4.98%

Institutions

83.34%

Public Float

87.71%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	12.60%	1.50M	$103.67M
2	Dimensional Fund Advisors LP	5.99%	712.35K	$49.28M
3	First Financial Corp /in/	5.38%	640.27K	$44.29M
4	Vanguard Capital Management LLC	4.02%	478.09K	$33.07M
5	State Street Corporation	3.91%	464.44K	$32.13M
6	Charles Schwab Investment Management, Inc.	3.60%	428.38K	$29.64M
7	LSV Asset Management	3.33%	396.26K	$27.41M
8	American Century Companies Inc	3.12%	371.49K	$25.70M
9	Geode Capital Management, LLC	2.47%	293.56K	$20.31M
10	Vanguard Portfolio Management LLC	2.36%	280.52K	$19.41M

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THFF · Financial Services