FIRST FINANCIAL CORP/INDIANA (THFF)
US3202181000 - Common Stock
Taking everything into account, THFF scores 4 out of 10 in our fundamental rating. THFF was compared to 411 industry peers in the Banks industry. Both the profitability and the financial health of THFF get a neutral evaluation. Nothing too spectacular is happening here. THFF has a valuation in line with the averages, but it does not seem to be growing. Finally THFF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
THFF had positive earnings in the past year.
THFF had a positive operating cash flow in the past year.
Each year in the past 5 years THFF has been profitable.
THFF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of THFF (1.25%) is better than 80.29% of its industry peers.
THFF's Return On Equity of 11.49% is fine compared to the rest of the industry. THFF outperforms 75.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.25% | ||
| ROE | 11.49% | ||
| ROIC | N/A |
ROA(3y)1.23%
ROA(5y)1.22%
ROE(3y)11.85%
ROE(5y)10.67%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
THFF's Profit Margin of 28.90% is fine compared to the rest of the industry. THFF outperforms 73.97% of its industry peers.
THFF's Profit Margin has been stable 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) | 28.9% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.47%
PM growth 5Y-0.82%
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 less shares outstanding
THFF has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, THFF has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of THFF is 0.85, which is an excellent value as it means it would take THFF, only 0.85 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of THFF (0.85) is better than 79.32% of its industry peers.
THFF has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.13, THFF is doing good in the industry, outperforming 71.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 0.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
THFF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.39%.
The Earnings Per Share has been growing slightly by 6.02% on average over the past years.
The Revenue has decreased by -0.84% in the past year.
THFF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.29% yearly.
EPS 1Y (TTM)-12.39%
EPS 3Y9%
EPS 5Y6.02%
EPS growth Q2Q-22.63%
Revenue 1Y (TTM)-0.84%
Revenue growth 3Y3.61%
Revenue growth 5Y6.29%
Revenue growth Q2Q-6.26%
3.2 Future
THFF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.34% yearly.
Based on estimates for the next years, THFF will show a small growth in Revenue. The Revenue will grow by 7.15% on average per year.
EPS Next Y-10.97%
EPS Next 2Y3.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.85%
Revenue Next 2Y7.15%
Revenue Next 3YN/A
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 decreasing.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.70, the valuation of THFF can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of THFF indicates a rather cheap valuation: THFF is cheaper than 84.43% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of THFF to the average of the S&P500 Index (28.15), we can say THFF is valued rather cheaply.
A Price/Forward Earnings ratio of 8.64 indicates a reasonable valuation of THFF.
72.02% of the companies in the same industry are more expensive than THFF, based on the Price/Forward Earnings ratio.
THFF is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.7 | ||
| Fwd PE | 8.64 |
4.2 Price Multiples
85.89% of the companies in the same industry are more expensive than THFF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.28
EPS Next 2Y3.34%
EPS Next 3YN/A
5. Dividend
5.1 Amount
THFF has a Yearly Dividend Yield of 4.67%, which is a nice return.
Compared to an average industry Dividend Yield of 3.68, THFF pays a bit more dividend than its industry peers.
THFF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
5.2 History
The dividend of THFF has a limited annual growth rate of 4.76%.
THFF has paid a dividend for at least 10 years, which is a reliable track record.
THFF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.76%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
THFF pays out 25.35% of its income as dividend. This is a sustainable payout ratio.
The dividend of THFF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.35%
EPS Next 2Y3.34%
EPS Next 3YN/A
FIRST FINANCIAL CORP/INDIANA
NASDAQ:THFF (5/17/2024, 7:00:01 PM)
After market: 39.17 0 (0%)39.17
+0.22 (+0.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap462.60M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.7 | ||
| Fwd PE | 8.64 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.25% | ||
| ROE | 11.49% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 28.9% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-12.39%
EPS 3Y9%
EPS 5Y
EPS growth Q2Q
EPS Next Y-10.97%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-0.84%
Revenue growth 3Y3.61%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y