FIRST FINANCIAL CORP (THFF) Fundamental Analysis & Valuation

NASDAQ:THFF • US3202181000

Current stock price

61.93 USD
-0.92 (-1.46%)
At close:
61.93 USD
0 (0%)
After Hours:

This THFF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. THFF Profitability Analysis

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.
  • In the past 5 years THFF always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

1.2 Ratios

  • With an excellent Return On Assets value of 1.38%, THFF belongs to the best of the industry, outperforming 84.21% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 12.17%, THFF is in the better half of the industry, outperforming 79.74% of the companies in the same industry.
Industry RankSector Rank
ROA 1.38%
ROE 12.17%
ROIC N/A
ROA(3y)1.16%
ROA(5y)1.19%
ROE(3y)10.76%
ROE(5y)11.27%
ROIC(3y)N/A
ROIC(5y)N/A
THFF Yearly ROA, ROE, ROICTHFF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 30.25%, THFF is in the better half of the industry, outperforming 76.32% of the companies in the same industry.
  • THFF's Profit Margin has been stable in the last couple of years.
  • 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) 30.25%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.43%
PM growth 5Y1.2%
GM growth 3YN/A
GM growth 5YN/A
THFF Yearly Profit, Operating, Gross MarginsTHFF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. THFF Health Analysis

2.1 Basic Checks

  • THFF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for THFF has been increased compared to 1 year ago.
  • Compared to 5 years ago, THFF has less shares outstanding
  • The debt/assets ratio for THFF is higher compared to a year ago.
THFF Yearly Shares OutstandingTHFF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
THFF Yearly Total Debt VS Total AssetsTHFF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • The Debt to FCF ratio of THFF is 3.53, which is a good value as it means it would take THFF, 3.53 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of THFF (3.53) is worse than 60.53% of its industry peers.
  • A Debt/Equity ratio of 0.47 indicates that THFF is not too dependend on debt financing.
  • The Debt to Equity ratio of THFF (0.47) is worse than 74.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 3.53
Altman-Z N/A
ROIC/WACCN/A
WACC12.65%
THFF Yearly LT Debt VS Equity VS FCFTHFF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. THFF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 67.00% over the past year.
  • THFF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.19% yearly.
  • The Revenue has grown by 20.24% in the past year. This is a very strong growth!
  • Measured over the past years, THFF shows a small growth in Revenue. The Revenue has been growing by 6.76% on average per year.
EPS 1Y (TTM)67%
EPS 3Y4.76%
EPS 5Y11.19%
EPS Q2Q%32.12%
Revenue 1Y (TTM)20.24%
Revenue growth 3Y7.34%
Revenue growth 5Y6.76%
Sales Q2Q%14.13%

3.2 Future

  • Based on estimates for the next years, THFF will show a small growth in Earnings Per Share. The EPS will grow by 6.61% on average per year.
  • THFF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.35% yearly.
EPS Next Y8.11%
EPS Next 2Y6.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.29%
Revenue Next 2Y7.35%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
THFF Yearly Revenue VS EstimatesTHFF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
THFF Yearly EPS VS EstimatesTHFF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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6

4. THFF Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.27, the valuation of THFF can be described as reasonable.
  • 83.16% of the companies in the same industry are more expensive than THFF, based on the Price/Earnings ratio.
  • THFF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.88.
  • A Price/Forward Earnings ratio of 8.58 indicates a reasonable valuation of THFF.
  • Based on the Price/Forward Earnings ratio, THFF is valued a bit cheaper than 79.21% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of THFF to the average of the S&P500 Index (22.19), we can say THFF is valued rather cheaply.
Industry RankSector Rank
PE 9.27
Fwd PE 8.58
THFF Price Earnings VS Forward Price EarningsTHFF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, THFF is valued a bit cheaper than the industry average as 76.58% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.52
EV/EBITDA N/A
THFF Per share dataTHFF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • THFF's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.14
PEG (5Y)0.83
EPS Next 2Y6.61%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. THFF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.67%, THFF has a reasonable but not impressive dividend return.
  • THFF's Dividend Yield is a higher than the industry average which is at 2.78.
  • THFF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 3.67%

5.2 History

  • On average, the dividend of THFF grows each year by 14.27%, which is quite nice.
  • THFF has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)14.27%
Div Incr Years0
Div Non Decr Years0
THFF Yearly Dividends per shareTHFF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 30.51% of the earnings are spent on dividend by THFF. This is a low number and sustainable payout ratio.
  • THFF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP30.51%
EPS Next 2Y6.61%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
THFF Dividend Payout.THFF Dividend Payout, showing the Payout Ratio.THFF Dividend Payout.PayoutRetained Earnings

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THFF Fundamentals: All Metrics, Ratios and Statistics

FIRST FINANCIAL CORP

NASDAQ:THFF (3/27/2026, 8:00:01 PM)

After market: 61.93 0 (0%)

61.93

-0.92 (-1.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)04-20
Inst Owners82.48%
Inst Owner Change0.05%
Ins Owners5.13%
Ins Owner Change1.79%
Market Cap736.35M
Revenue(TTM)261.84M
Net Income(TTM)79.21M
Analysts77.78
Price Target72.93 (17.76%)
Short Float %1.55%
Short Ratio2.43
Dividend
Industry RankSector Rank
Dividend Yield 3.67%
Yearly Dividend2.04
Dividend Growth(5Y)14.27%
DP30.51%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.79%
Min EPS beat(2)3.41%
Max EPS beat(2)8.18%
EPS beat(4)4
Avg EPS beat(4)9.47%
Min EPS beat(4)3.41%
Max EPS beat(4)17.19%
EPS beat(8)5
Avg EPS beat(8)1.85%
EPS beat(12)8
Avg EPS beat(12)2.73%
EPS beat(16)11
Avg EPS beat(16)7.26%
Revenue beat(2)1
Avg Revenue beat(2)0.23%
Min Revenue beat(2)-1.13%
Max Revenue beat(2)1.59%
Revenue beat(4)1
Avg Revenue beat(4)-0.79%
Min Revenue beat(4)-2.32%
Max Revenue beat(4)1.59%
Revenue beat(8)2
Avg Revenue beat(8)-1.98%
Revenue beat(12)2
Avg Revenue beat(12)-2.66%
Revenue beat(16)5
Avg Revenue beat(16)-1.68%
PT rev (1m)15.32%
PT rev (3m)13.49%
EPS NQ rev (1m)-9.5%
EPS NQ rev (3m)-2.67%
EPS NY rev (1m)2.21%
EPS NY rev (3m)2.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.39%
Revenue NY rev (1m)2.91%
Revenue NY rev (3m)2.91%
Valuation
Industry RankSector Rank
PE 9.27
Fwd PE 8.58
P/S 2.81
P/FCF 8.52
P/OCF 8.14
P/B 1.13
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)6.68
EY10.79%
EPS(NY)7.22
Fwd EY11.66%
FCF(TTM)7.27
FCFY11.74%
OCF(TTM)7.6
OCFY12.28%
SpS22.02
BVpS54.74
TBVpS45.11
PEG (NY)1.14
PEG (5Y)0.83
Graham Number90.71
Profitability
Industry RankSector Rank
ROA 1.38%
ROE 12.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.25%
GM N/A
FCFM 33.01%
ROA(3y)1.16%
ROA(5y)1.19%
ROE(3y)10.76%
ROE(5y)11.27%
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-3.43%
PM growth 5Y1.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 3.53
Debt/EBITDA N/A
Cap/Depr 32.59%
Cap/Sales 1.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 109.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC12.65%
ROIC/WACCN/A
Cap/Depr(3y)64.72%
Cap/Depr(5y)56%
Cap/Sales(3y)2.48%
Cap/Sales(5y)2.04%
Profit Quality(3y)118.33%
Profit Quality(5y)112.09%
High Growth Momentum
Growth
EPS 1Y (TTM)67%
EPS 3Y4.76%
EPS 5Y11.19%
EPS Q2Q%32.12%
EPS Next Y8.11%
EPS Next 2Y6.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.24%
Revenue growth 3Y7.34%
Revenue growth 5Y6.76%
Sales Q2Q%14.13%
Revenue Next Year11.29%
Revenue Next 2Y7.35%
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 1Y59.28%
FCF growth 3Y3.76%
FCF growth 5Y3.29%
OCF growth 1Y49.76%
OCF growth 3Y4.69%
OCF growth 5Y3.15%

FIRST FINANCIAL CORP / THFF Fundamental Analysis 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 4 / 10.


What is the financial health of FIRST FINANCIAL CORP (THFF) stock?

The financial health rating of FIRST FINANCIAL CORP (THFF) is 1 / 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 8.11% in the next year.