65.22 USD
+1.52 (+2.39%)
Last: Jan 30, 2026, 02:50 PM
Overall THFF gets a fundamental rating of 4 out of 10. We evaluated THFF against 383 industry peers in the Banks industry. Both the profitability and financial health of THFF have multiple concerns. THFF is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! THFF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- THFF had positive earnings in the past year.
- In the past year THFF had a positive cash flow from operations.
- THFF had positive earnings in each of the past 5 years.
- THFF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a decent Return On Assets value of 1.11%, THFF is doing good in the industry, outperforming 71.28% of the companies in the same industry.
- With a decent Return On Equity value of 10.55%, THFF is doing good in the industry, outperforming 69.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 10.55% | ||
| ROIC | N/A |
ROA(3y)1.18%
ROA(5y)1.15%
ROE(3y)11.69%
ROE(5y)10.63%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- THFF has a Profit Margin (25.22%) which is in line with its industry peers.
- THFF's Profit Margin has declined in the last couple of years.
- THFF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.22% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.75%
PM growth 5Y-5.45%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- THFF does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, THFF has more shares outstanding
- THFF has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for THFF is higher compared to a year ago.
2.2 Solvency
- THFF has a debt to FCF ratio of 2.50. This is a good value and a sign of high solvency as THFF would need 2.50 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 2.50, THFF perfoms like the industry average, outperforming 41.78% of the companies in the same industry.
- A Debt/Equity ratio of 0.28 indicates that THFF is not too dependend on debt financing.
- With a Debt to Equity ratio value of 0.28, THFF is not doing good in the industry: 65.54% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 2.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- THFF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 69.11%, which is quite impressive.
- THFF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.08% yearly.
- Looking at the last year, THFF shows a very strong growth in Revenue. The Revenue has grown by 22.40%.
- THFF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.05% yearly.
EPS 1Y (TTM)69.11%
EPS 3Y-0.08%
EPS 5Y1.08%
EPS Q2Q%136.49%
Revenue 1Y (TTM)22.4%
Revenue growth 3Y5.49%
Revenue growth 5Y5.05%
Sales Q2Q%13.92%
3.2 Future
- THFF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.02% yearly.
- Based on estimates for the next years, THFF will show a quite strong growth in Revenue. The Revenue will grow by 10.18% on average per year.
EPS Next Y68.26%
EPS Next 2Y32.82%
EPS Next 3Y22.02%
EPS Next 5YN/A
Revenue Next Year19.49%
Revenue Next 2Y13.68%
Revenue Next 3Y10.18%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 10.45, which indicates a very decent valuation of THFF.
- THFF's Price/Earnings ratio is rather cheap when compared to the industry. THFF is cheaper than 80.42% of the companies in the same industry.
- THFF is valuated cheaply when we compare the Price/Earnings ratio to 28.39, which is the current average of the S&P500 Index.
- THFF is valuated reasonably with a Price/Forward Earnings ratio of 9.24.
- Based on the Price/Forward Earnings ratio, THFF is valued cheaper than 80.42% of the companies in the same industry.
- THFF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.45 | ||
| Fwd PE | 9.24 |
4.2 Price Multiples
- THFF's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.64 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as THFF's earnings are expected to grow with 22.02% in the coming years.
PEG (NY)0.15
PEG (5Y)9.64
EPS Next 2Y32.82%
EPS Next 3Y22.02%
5. Dividend
5.1 Amount
- THFF has a Yearly Dividend Yield of 3.43%.
- Compared to an average industry Dividend Yield of 2.65, THFF pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, THFF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.43% |
5.2 History
- On average, the dividend of THFF grows each year by 13.06%, which is quite nice.
- THFF has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)13.06%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- THFF pays out 36.63% of its income as dividend. This is a sustainable payout ratio.
- THFF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.63%
EPS Next 2Y32.82%
EPS Next 3Y22.02%
FIRST FINANCIAL CORP / THFF FAQ
What is the ChartMill fundamental rating of FIRST FINANCIAL CORP (THFF) stock?
ChartMill assigns a fundamental rating of 4 / 10 to THFF.
What is the valuation status for THFF stock?
ChartMill assigns a valuation rating of 6 / 10 to FIRST FINANCIAL CORP (THFF). This can be considered as Fairly Valued.
What is the profitability of THFF stock?
FIRST FINANCIAL CORP (THFF) has a profitability rating of 3 / 10.
What is the financial health of FIRST FINANCIAL CORP (THFF) stock?
The financial health rating of FIRST FINANCIAL CORP (THFF) is 2 / 10.
What is the expected EPS growth for FIRST FINANCIAL CORP (THFF) stock?
The Earnings per Share (EPS) of FIRST FINANCIAL CORP (THFF) is expected to grow by 68.26% in the next year.