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FIRST FINANCIAL CORP (THFF) Stock Fundamental Analysis

NASDAQ:THFF - Nasdaq - US3202181000 - Common Stock - Currency: USD

51.84  -0.18 (-0.35%)

After market: 51.84 0 (0%)

Fundamental Rating

4

Taking everything into account, THFF scores 4 out of 10 in our fundamental rating. THFF was compared to 395 industry peers in the Banks industry. THFF has a bad profitability rating. Also its financial health evaluation is rather negative. THFF has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year THFF was profitable.
THFF had a positive operating cash flow in the past year.
In the past 5 years THFF has always been profitable.
THFF had a positive operating cash flow in each of the past 5 years.
THFF Yearly Net Income VS EBIT VS OCF VS FCFTHFF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

With a decent Return On Assets value of 0.99%, THFF is doing good in the industry, outperforming 63.64% of the companies in the same industry.
With a decent Return On Equity value of 9.57%, THFF is doing good in the industry, outperforming 62.63% of the companies in the same industry.
Industry RankSector Rank
ROA 0.99%
ROE 9.57%
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
THFF Yearly ROA, ROE, ROICTHFF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

THFF has a Profit Margin of 23.61%. This is comparable to the rest of the industry: THFF outperforms 50.51% of its industry peers.
In the last couple of years the Profit Margin of THFF has declined.
The Operating Margin and Gross Margin are not available for THFF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.61%
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
THFF Yearly Profit, Operating, Gross MarginsTHFF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

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
The number of shares outstanding for THFF has been reduced compared to 5 years ago.
Compared to 1 year ago, THFF has a worse debt to assets ratio.
THFF Yearly Shares OutstandingTHFF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
THFF Yearly Total Debt VS Total AssetsTHFF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

THFF has a debt to FCF ratio of 2.47. This is a good value and a sign of high solvency as THFF would need 2.47 years to pay back of all of its debts.
THFF has a Debt to FCF ratio (2.47) which is in line with its industry peers.
THFF has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of THFF (0.27) is worse than 67.68% of its industry peers.
Although THFF does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 2.47
Altman-Z N/A
ROIC/WACCN/A
WACC15.96%
THFF Yearly LT Debt VS Equity VS FCFTHFF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
THFF Yearly Current Assets VS Current LiabilitesTHFF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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6

3. Growth

3.1 Past

THFF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.49%.
The Earnings Per Share has been growing slightly by 1.08% on average over the past years.
THFF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.34%.
THFF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.05% yearly.
EPS 1Y (TTM)-1.49%
EPS 3Y-0.08%
EPS 5Y1.08%
EPS Q2Q%66.67%
Revenue 1Y (TTM)13.34%
Revenue growth 3Y5.49%
Revenue growth 5Y5.05%
Sales Q2Q%26.62%

3.2 Future

Based on estimates for the next years, THFF will show a very strong growth in Earnings Per Share. The EPS will grow by 24.30% on average per year.
The Revenue is expected to grow by 9.49% on average over the next years. This is quite good.
EPS Next Y51.67%
EPS Next 2Y24.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.56%
Revenue Next 2Y9.49%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
THFF Yearly Revenue VS EstimatesTHFF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
THFF Yearly EPS VS EstimatesTHFF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.22, the valuation of THFF can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as THFF.
When comparing the Price/Earnings ratio of THFF to the average of the S&P500 Index (26.25), we can say THFF is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.39, the valuation of THFF can be described as very reasonable.
Based on the Price/Forward Earnings ratio, THFF is valued a bit cheaper than 70.71% 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 22.15.
Industry RankSector Rank
PE 11.22
Fwd PE 8.39
THFF Price Earnings VS Forward Price EarningsTHFF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, THFF is valued a bit cheaper than 60.35% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.71
EV/EBITDA N/A
THFF Per share dataTHFF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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 24.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)10.35
EPS Next 2Y24.3%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

THFF has a Yearly Dividend Yield of 3.92%. Purely for dividend investing, there may be better candidates out there.
THFF's Dividend Yield is a higher than the industry average which is at 3.44.
Compared to an average S&P500 Dividend Yield of 2.38, THFF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.92%

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
THFF Yearly Dividends per shareTHFF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

40.13% of the earnings are spent on dividend by THFF. This is a bit on the high side, but may be sustainable.
THFF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP40.13%
EPS Next 2Y24.3%
EPS Next 3YN/A
THFF Yearly Income VS Free CF VS DividendTHFF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
THFF Dividend Payout.THFF Dividend Payout, showing the Payout Ratio.THFF Dividend Payout.PayoutRetained Earnings

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FIRST FINANCIAL CORP

NASDAQ:THFF (5/30/2025, 8:00:00 PM)

After market: 51.84 0 (0%)

51.84

-0.18 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/dmh
Earnings (Next)07-21 2025-07-21
Inst Owners78.79%
Inst Owner Change2.35%
Ins Owners3.97%
Ins Owner Change2.02%
Market Cap614.30M
Analysts82.22
Price Target57.8 (11.5%)
Short Float %1.48%
Short Ratio2.07
Dividend
Industry RankSector Rank
Dividend Yield 3.92%
Yearly Dividend1.8
Dividend Growth(5Y)13.06%
DP40.13%
Div Incr Years0
Div Non Decr Years0
Ex-Date04-01 2025-04-01 (0.51)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.2%
Min EPS beat(2)5.21%
Max EPS beat(2)17.19%
EPS beat(4)2
Avg EPS beat(4)0.23%
Min EPS beat(4)-20.01%
Max EPS beat(4)17.19%
EPS beat(8)4
Avg EPS beat(8)0.92%
EPS beat(12)7
Avg EPS beat(12)2.77%
EPS beat(16)10
Avg EPS beat(16)5.52%
Revenue beat(2)1
Avg Revenue beat(2)-0.45%
Min Revenue beat(2)-1.32%
Max Revenue beat(2)0.41%
Revenue beat(4)1
Avg Revenue beat(4)-2.31%
Min Revenue beat(4)-4.81%
Max Revenue beat(4)0.41%
Revenue beat(8)1
Avg Revenue beat(8)-3.14%
Revenue beat(12)3
Avg Revenue beat(12)-2.69%
Revenue beat(16)5
Avg Revenue beat(16)-1.79%
PT rev (1m)0.59%
PT rev (3m)7.59%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)3.73%
EPS NY rev (1m)10.69%
EPS NY rev (3m)11.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.97%
Revenue NY rev (1m)1.78%
Revenue NY rev (3m)2.81%
Valuation
Industry RankSector Rank
PE 11.22
Fwd PE 8.39
P/S 2.65
P/FCF 9.71
P/OCF 8.9
P/B 1.07
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)4.62
EY8.91%
EPS(NY)6.18
Fwd EY11.92%
FCF(TTM)5.34
FCFY10.3%
OCF(TTM)5.82
OCFY11.23%
SpS19.57
BVpS48.27
TBVpS38.13
PEG (NY)0.22
PEG (5Y)10.35
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 9.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.61%
GM N/A
FCFM 27.29%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 2.47
Debt/EBITDA N/A
Cap/Depr 49.45%
Cap/Sales 2.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 115.56%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC15.96%
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)-1.49%
EPS 3Y-0.08%
EPS 5Y1.08%
EPS Q2Q%66.67%
EPS Next Y51.67%
EPS Next 2Y24.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.34%
Revenue growth 3Y5.49%
Revenue growth 5Y5.05%
Sales Q2Q%26.62%
Revenue Next Year16.56%
Revenue Next 2Y9.49%
Revenue Next 3YN/A
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-19.86%
FCF growth 3Y1.93%
FCF growth 5Y2.14%
OCF growth 1Y-15.89%
OCF growth 3Y3.11%
OCF growth 5Y3.88%