FIRST FINANCIAL CORP (THFF) Stock Fundamental Analysis

NASDAQ:THFF • US3202181000

63.36 USD
-2.33 (-3.55%)
At close: Feb 27, 2026
63.36 USD
0 (0%)
After Hours: 2/27/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to THFF. THFF was compared to 379 industry peers in the Banks industry. While THFF is still in line with the averages on profitability rating, there are concerns on its financial health. THFF has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year THFF was profitable.
  • 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 4 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 has a better Return On Assets (1.31%) than 81.27% of its industry peers.
  • THFF has a Return On Equity of 11.89%. This is in the better half of the industry: THFF outperforms 79.42% of its industry peers.
Industry RankSector Rank
ROA 1.31%
ROE 11.89%
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 29.23%, THFF is in the better half of the industry, outperforming 73.88% of the companies in the same industry.
  • In the last couple of years the Profit Margin of THFF has remained more or less at the same level.
  • THFF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.23%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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
  • 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 2.71, which is a good value as it means it would take THFF, 2.71 years of fcf income to pay off all of its debts.
  • THFF has a Debt to FCF ratio of 2.71. This is comparable to the rest of the industry: THFF outperforms 40.37% of its industry peers.
  • THFF has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
  • THFF's Debt to Equity ratio of 0.32 is on the low side compared to the rest of the industry. THFF is outperformed by 67.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 2.71
Altman-Z N/A
ROIC/WACCN/A
WACC14.6%
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. Growth

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.
  • Looking at the last year, THFF shows a very strong growth in Revenue. The Revenue has grown by 20.24%.
  • 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

  • The Earnings Per Share is expected to grow by 4.31% 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 7.35% on average per year.
EPS Next Y5.77%
EPS Next 2Y4.31%
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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • THFF is valuated reasonably with a Price/Earnings ratio of 9.49.
  • Based on the Price/Earnings ratio, THFF is valued cheaper than 83.38% of the companies in the same industry.
  • THFF is valuated cheaply when we compare the Price/Earnings ratio to 27.07, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 8.97 indicates a reasonable valuation of THFF.
  • Based on the Price/Forward Earnings ratio, THFF is valued a bit cheaper than 77.84% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, THFF is valued rather cheaply.
Industry RankSector Rank
PE 9.49
Fwd PE 8.97
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 65.96% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.36
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)1.64
PEG (5Y)0.85
EPS Next 2Y4.31%
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • THFF has a Yearly Dividend Yield of 3.41%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.73, 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 3.41%

5.2 History

  • On average, the dividend of THFF grows each year by 13.06%, 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)13.06%
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

  • THFF pays out 31.67% 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.
DP31.67%
EPS Next 2Y4.31%
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
THFF Dividend Payout.THFF Dividend Payout, showing the Payout Ratio.THFF Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

FIRST FINANCIAL CORP

NASDAQ:THFF (2/27/2026, 8:00:00 PM)

After market: 63.36 0 (0%)

63.36

-2.33 (-3.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)04-20
Inst Owners82.9%
Inst Owner Change0.08%
Ins Owners5.04%
Ins Owner Change2.13%
Market Cap752.72M
Revenue(TTM)261.84M
Net Income(TTM)74.00M
Analysts45.71
Price Target72.93 (15.1%)
Short Float %1.66%
Short Ratio2.75
Dividend
Industry RankSector Rank
Dividend Yield 3.41%
Yearly Dividend1.8
Dividend Growth(5Y)13.06%
DP31.67%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.64%
Min EPS beat(2)8.18%
Max EPS beat(2)9.11%
EPS beat(4)4
Avg EPS beat(4)9.92%
Min EPS beat(4)5.21%
Max EPS beat(4)17.19%
EPS beat(8)4
Avg EPS beat(8)0.38%
EPS beat(12)7
Avg EPS beat(12)2.32%
EPS beat(16)10
Avg EPS beat(16)4.04%
Revenue beat(2)0
Avg Revenue beat(2)-1.72%
Min Revenue beat(2)-2.32%
Max Revenue beat(2)-1.13%
Revenue beat(4)1
Avg Revenue beat(4)-1.09%
Min Revenue beat(4)-2.32%
Max Revenue beat(4)0.41%
Revenue beat(8)1
Avg Revenue beat(8)-2.73%
Revenue beat(12)1
Avg Revenue beat(12)-3.15%
Revenue beat(16)4
Avg Revenue beat(16)-1.92%
PT rev (1m)13.49%
PT rev (3m)15.32%
EPS NQ rev (1m)-0.27%
EPS NQ rev (3m)-0.27%
EPS NY rev (1m)0.13%
EPS NY rev (3m)8.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)2.91%
Revenue NY rev (3m)8.12%
Valuation
Industry RankSector Rank
PE 9.49
Fwd PE 8.97
P/S 2.97
P/FCF 10.36
P/OCF 9.84
P/B 1.21
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)6.68
EY10.54%
EPS(NY)7.07
Fwd EY11.15%
FCF(TTM)6.12
FCFY9.65%
OCF(TTM)6.44
OCFY10.16%
SpS21.31
BVpS52.38
TBVpS42.64
PEG (NY)1.64
PEG (5Y)0.85
Graham Number88.72
Profitability
Industry RankSector Rank
ROA 1.31%
ROE 11.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.23%
GM N/A
FCFM 28.71%
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 Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 2.71
Debt/EBITDA N/A
Cap/Depr 30.76%
Cap/Sales 1.51%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.6%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)67%
EPS 3Y4.76%
EPS 5Y11.19%
EPS Q2Q%32.12%
EPS Next Y5.77%
EPS Next 2Y4.31%
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 1Y25.09%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y18.73%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST FINANCIAL CORP / THFF 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 5 / 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 2 / 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 5.77% in the next year.