FIRST FINANCIAL CORP (THFF) Fundamental Analysis & Valuation

NASDAQ:THFF • US3202181000

Current stock price

64.49 USD
-0.45 (-0.69%)
Last:

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.
  • 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.
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

  • THFF's Return On Assets of 1.38% is amongst the best of the industry. THFF outperforms 83.51% of its industry peers.
  • THFF has a better Return On Equity (12.17%) than 79.79% of its industry peers.
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

  • THFF's Profit Margin of 30.25% is fine compared to the rest of the industry. THFF outperforms 76.06% of its industry peers.
  • In the last couple of years the Profit Margin of THFF has remained more or less at the same level.
  • 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.
  • THFF has more shares outstanding than it did 1 year ago.
  • THFF has less shares outstanding than it did 5 years ago.
  • 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

  • THFF has a debt to FCF ratio of 3.53. This is a good value and a sign of high solvency as THFF would need 3.53 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.53, THFF is doing worse than 62.23% of the companies in the same industry.
  • THFF has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.47, THFF is doing worse than 75.80% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 3.53
Altman-Z N/A
ROIC/WACCN/A
WACC12.53%
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

  • THFF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 47.19%, which is quite impressive.
  • 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)47.19%
EPS 3Y4.76%
EPS 5Y11.19%
EPS Q2Q%7.74%
Revenue 1Y (TTM)20.24%
Revenue growth 3Y7.34%
Revenue growth 5Y6.76%
Sales Q2Q%9.06%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.73% on average over the next years.
  • Based on estimates for the next years, THFF will show a small growth in Revenue. The Revenue will grow by 7.61% on average per year.
EPS Next Y9.56%
EPS Next 2Y6.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.31%
Revenue Next 2Y7.61%
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.
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 9.48, the valuation of THFF can be described as reasonable.
  • Based on the Price/Earnings ratio, THFF is valued cheaply inside the industry as 82.71% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 26.54, THFF is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.48, the valuation of THFF can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of THFF indicates a somewhat cheap valuation: THFF is cheaper than 76.06% of the companies listed 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 21.68.
Industry RankSector Rank
PE 9.48
Fwd PE 8.48
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

  • 79.79% of the companies in the same industry are more expensive than THFF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.87
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.99
PEG (5Y)0.85
EPS Next 2Y6.73%
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 3.32%, THFF has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.55, 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 RankSector Rank
Dividend Yield 3.32%

5.2 History

  • The dividend of THFF is nicely growing with an annual growth rate of 14.27%!
  • THFF has paid a dividend for at least 10 years, which is a reliable track record.
  • THFF has decreased its dividend recently.
Dividend Growth(5Y)14.27%
Div Incr Years1
Div Non Decr Years1
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

  • THFF pays out 30.51% 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.
DP30.51%
EPS Next 2Y6.73%
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 (4/30/2026, 11:37:10 AM)

64.49

-0.45 (-0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength71.43
Industry Growth91.3
Earnings (Last)04-28
Earnings (Next)07-20
Inst Owners82.27%
Inst Owner Change0.09%
Ins Owners4.98%
Ins Owner Change1.42%
Market Cap766.79M
Revenue(TTM)261.84M
Net Income(TTM)79.21M
Analysts77.78
Price Target72.93 (13.09%)
Short Float %2.03%
Short Ratio2.81
Dividend
Industry RankSector Rank
Dividend Yield 3.32%
Yearly Dividend2.04
Dividend Growth(5Y)14.27%
DP30.51%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-01
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)0%
PT rev (3m)13.49%
EPS NQ rev (1m)5.03%
EPS NQ rev (3m)2.23%
EPS NY rev (1m)1.34%
EPS NY rev (3m)3.71%
Revenue NQ rev (1m)-0.31%
Revenue NQ rev (3m)2.07%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)2.93%
Valuation
Industry RankSector Rank
PE 9.48
Fwd PE 8.48
P/S 2.93
P/FCF 8.87
P/OCF 8.48
P/B 1.18
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)6.8
EY10.54%
EPS(NY)7.61
Fwd EY11.8%
FCF(TTM)7.27
FCFY11.27%
OCF(TTM)7.6
OCFY11.79%
SpS22.02
BVpS54.74
TBVpS45.11
PEG (NY)0.99
PEG (5Y)0.85
Graham Number91.517 (41.91%)
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
WACC12.53%
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)47.19%
EPS 3Y4.76%
EPS 5Y11.19%
EPS Q2Q%7.74%
EPS Next Y9.56%
EPS Next 2Y6.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.24%
Revenue growth 3Y7.34%
Revenue growth 5Y6.76%
Sales Q2Q%9.06%
Revenue Next Year11.31%
Revenue Next 2Y7.61%
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.


Can you provide the valuation status for FIRST FINANCIAL CORP?

ChartMill assigns a valuation rating of 6 / 10 to FIRST FINANCIAL CORP (THFF). This can be considered as Fairly Valued.


How profitable is FIRST FINANCIAL CORP (THFF) stock?

FIRST FINANCIAL CORP (THFF) has a profitability rating of 4 / 10.


What is the valuation of FIRST FINANCIAL CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIRST FINANCIAL CORP (THFF) is 9.48 and the Price/Book (PB) ratio is 1.18.


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 9.56% in the next year.