FIRST FINANCIAL CORP (THFF) Stock Fundamental Analysis
USA - NASDAQ:THFF - US3202181000 - Common Stock
56.12 USD
+0.63 (+1.14%)
56.12 USD
0 (0%)
Taking everything into account, THFF scores 5 out of 10 in our fundamental rating. THFF was compared to 390 industry peers in the Banks industry. There are concerns on the financial health of THFF while its profitability can be described as average. THFF is not overvalued while it is showing excellent growth. This is an interesting combination. Finally THFF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year THFF was profitable.
In the past year THFF had a positive cash flow from operations.
THFF had positive earnings in each of the past 5 years.
In the past 5 years THFF always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.11%, THFF is doing good in the industry, outperforming 74.10% of the companies in the same industry.
THFF's Return On Equity of 10.55% is fine compared to the rest of the industry. THFF outperforms 71.79% of its industry peers.
| 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
With a decent Profit Margin value of 25.22%, THFF is doing good in the industry, outperforming 60.77% of the companies in the same industry.
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.
THFF has more shares outstanding than it did 1 year ago.
The number of shares outstanding for THFF has been reduced compared to 5 years ago.
The debt/assets ratio for THFF is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of THFF is 2.50, which is a good value as it means it would take THFF, 2.50 years of fcf income to pay off all of its debts.
THFF's Debt to FCF ratio of 2.50 is in line compared to the rest of the industry. THFF outperforms 43.85% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that THFF is not too dependend on debt financing.
THFF has a Debt to Equity ratio of 0.28. This is in the lower half of the industry: THFF underperforms 67.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 2.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.32%
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.
THFF shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.40%.
The Revenue has been growing slightly by 5.05% on average over the past years.
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
The Earnings Per Share is expected to grow by 18.94% on average over the next years. This is quite good.
THFF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.48% yearly.
EPS Next Y63.92%
EPS Next 2Y27.81%
EPS Next 3Y18.94%
EPS Next 5YN/A
Revenue Next Year18.81%
Revenue Next 2Y10.9%
Revenue Next 3Y8.48%
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
THFF is valuated reasonably with a Price/Earnings ratio of 8.99.
THFF's Price/Earnings ratio is rather cheap when compared to the industry. THFF is cheaper than 85.38% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.83. THFF is valued rather cheaply when compared to this.
THFF is valuated reasonably with a Price/Forward Earnings ratio of 8.59.
72.05% of the companies in the same industry are more expensive than THFF, based on the Price/Forward Earnings ratio.
THFF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.99 | ||
| Fwd PE | 8.59 |
4.2 Price Multiples
66.15% 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 | 10.01 | ||
| 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.
THFF's earnings are expected to grow with 18.94% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)8.29
EPS Next 2Y27.81%
EPS Next 3Y18.94%
5. Dividend
5.1 Amount
THFF has a Yearly Dividend Yield of 3.68%.
THFF's Dividend Yield is a higher than the industry average which is at 3.38.
THFF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.68% |
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
36.63% of the earnings are spent on dividend by THFF. This is a low number and sustainable payout ratio.
The dividend of THFF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.63%
EPS Next 2Y27.81%
EPS Next 3Y18.94%
56.12
+0.63 (+1.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.67%
Inst Owner Change-0.17%
Ins Owners5.04%
Ins Owner Change0.36%
Market Cap665.02M
Revenue(TTM)253.10M
Net Income(TTM)61.97M
Analysts80
Price Target62.73 (11.78%)
Short Float %1.65%
Short Ratio3.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.68% |
Yearly Dividend1.8
Dividend Growth(5Y)13.06%
DP36.63%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.15%
Min EPS beat(2)9.11%
Max EPS beat(2)17.19%
EPS beat(4)3
Avg EPS beat(4)2.87%
Min EPS beat(4)-20.01%
Max EPS beat(4)17.19%
EPS beat(8)4
Avg EPS beat(8)1.16%
EPS beat(12)7
Avg EPS beat(12)2.36%
EPS beat(16)10
Avg EPS beat(16)3.78%
Revenue beat(2)0
Avg Revenue beat(2)-1.82%
Min Revenue beat(2)-2.32%
Max Revenue beat(2)-1.32%
Revenue beat(4)1
Avg Revenue beat(4)-1.69%
Min Revenue beat(4)-3.54%
Max Revenue beat(4)0.41%
Revenue beat(8)1
Avg Revenue beat(8)-2.89%
Revenue beat(12)2
Avg Revenue beat(12)-2.95%
Revenue beat(16)4
Avg Revenue beat(16)-1.94%
PT rev (1m)0%
PT rev (3m)8.53%
EPS NQ rev (1m)0.36%
EPS NQ rev (3m)2.52%
EPS NY rev (1m)2.19%
EPS NY rev (3m)8.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.34%
Revenue NY rev (3m)1.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.99 | ||
| Fwd PE | 8.59 | ||
| P/S | 2.71 | ||
| P/FCF | 10.01 | ||
| P/OCF | 9.12 | ||
| P/B | 1.13 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.24
EY11.12%
EPS(NY)6.53
Fwd EY11.64%
FCF(TTM)5.61
FCFY9.99%
OCF(TTM)6.15
OCFY10.97%
SpS20.74
BVpS49.59
TBVpS39.74
PEG (NY)0.14
PEG (5Y)8.29
Graham Number83.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 10.55% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.22% | ||
| GM | N/A | ||
| FCFM | 27.03% |
ROA(3y)1.18%
ROA(5y)1.15%
ROE(3y)11.69%
ROE(5y)10.63%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 2.5 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 49.64% | ||
| Cap/Sales | 2.65% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 107.18% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC15.32%
ROIC/WACCN/A
Cap/Depr(3y)61.66%
Cap/Depr(5y)62.33%
Cap/Sales(3y)2.2%
Cap/Sales(5y)2.15%
Profit Quality(3y)118.23%
Profit Quality(5y)117.6%
High Growth Momentum
Growth
EPS 1Y (TTM)69.11%
EPS 3Y-0.08%
EPS 5Y1.08%
EPS Q2Q%136.49%
EPS Next Y63.92%
EPS Next 2Y27.81%
EPS Next 3Y18.94%
EPS Next 5YN/A
Revenue 1Y (TTM)22.4%
Revenue growth 3Y5.49%
Revenue growth 5Y5.05%
Sales Q2Q%13.92%
Revenue Next Year18.81%
Revenue Next 2Y10.9%
Revenue Next 3Y8.48%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-17.77%
FCF growth 3Y1.93%
FCF growth 5Y2.14%
OCF growth 1Y-13.08%
OCF growth 3Y3.11%
OCF growth 5Y3.88%
FIRST FINANCIAL CORP / THFF FAQ
What is the ChartMill fundamental rating of FIRST FINANCIAL CORP (THFF) stock?
ChartMill assigns a fundamental rating of 5 / 10 to THFF.
What is the valuation status of FIRST FINANCIAL CORP (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 4 / 10.
Can you provide the PE and PB ratios for THFF stock?
The Price/Earnings (PE) ratio for FIRST FINANCIAL CORP (THFF) is 8.99 and the Price/Book (PB) ratio is 1.13.
Can you provide the expected EPS growth for THFF stock?
The Earnings per Share (EPS) of FIRST FINANCIAL CORP (THFF) is expected to grow by 63.92% in the next year.