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FIRST FINANCIAL CORP (THFF) Stock Fundamental Analysis

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

55.38  -0.16 (-0.29%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to THFF. THFF was compared to 393 industry peers in the Banks industry. THFF has a bad profitability rating. Also its financial health evaluation is rather negative. THFF is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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3

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.
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

THFF's Return On Assets of 0.99% is fine compared to the rest of the industry. THFF outperforms 63.61% of its industry peers.
With a decent Return On Equity value of 9.57%, THFF is doing good in the industry, outperforming 63.87% 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

With a Profit Margin value of 23.61%, THFF perfoms like the industry average, outperforming 49.87% of the companies in the same industry.
THFF's Profit Margin has declined 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) 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.
The debt/assets ratio for THFF is higher compared to a year ago.
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 of 2.47. This is comparable to the rest of the industry: THFF outperforms 43.51% of 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.
THFF's Debt to Equity ratio of 0.27 is on the low side compared to the rest of the industry. THFF is outperformed by 67.18% 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
WACC15.52%
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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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.06% over the past year.
The Earnings Per Share has been growing slightly by 1.08% on average over the past years.
The Revenue has grown by 22.16% 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 5.05% on average per year.
EPS 1Y (TTM)21.06%
EPS 3Y-0.08%
EPS 5Y1.08%
EPS Q2Q%63.54%
Revenue 1Y (TTM)22.16%
Revenue growth 3Y5.49%
Revenue growth 5Y5.05%
Sales Q2Q%28.16%

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.
THFF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.79% yearly.
EPS Next Y51.67%
EPS Next 2Y24.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.24%
Revenue Next 2Y9.79%
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 accelerating.
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

THFF is valuated reasonably with a Price/Earnings ratio of 10.59.
Based on the Price/Earnings ratio, THFF is valued a bit cheaper than 72.01% of the companies in the same industry.
When comparing the Price/Earnings ratio of THFF to the average of the S&P500 Index (26.86), we can say THFF is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.96, the valuation of THFF can be described as very reasonable.
THFF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. THFF is cheaper than 70.23% 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 34.94.
Industry RankSector Rank
PE 10.59
Fwd PE 8.96
THFF Price Earnings VS Forward Price EarningsTHFF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of THFF indicates a somewhat cheap valuation: THFF is cheaper than 60.56% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.37
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.
A more expensive valuation may be justified as THFF's earnings are expected to grow with 24.30% in the coming years.
PEG (NY)0.2
PEG (5Y)9.76
EPS Next 2Y24.3%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.63%, THFF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.41, THFF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, THFF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.63%

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 (8/21/2025, 1:37:47 PM)

55.38

-0.16 (-0.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/dmh
Earnings (Next)10-20 2025-10-20
Inst Owners79.56%
Inst Owner Change1.66%
Ins Owners5.04%
Ins Owner Change0.59%
Market Cap656.25M
Analysts80
Price Target61.2 (10.51%)
Short Float %1.32%
Short Ratio2.73
Dividend
Industry RankSector Rank
Dividend Yield 3.63%
Yearly Dividend1.8
Dividend Growth(5Y)13.06%
DP40.13%
Div Incr Years0
Div Non Decr Years0
Ex-Date07-01 2025-07-01 (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)5.88%
PT rev (3m)5.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)10.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)0.58%
Valuation
Industry RankSector Rank
PE 10.59
Fwd PE 8.96
P/S 2.83
P/FCF 10.37
P/OCF 9.51
P/B 1.15
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)5.23
EY9.44%
EPS(NY)6.18
Fwd EY11.16%
FCF(TTM)5.34
FCFY9.64%
OCF(TTM)5.82
OCFY10.51%
SpS19.57
BVpS48.27
TBVpS38.13
PEG (NY)0.2
PEG (5Y)9.76
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
WACC15.52%
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)21.06%
EPS 3Y-0.08%
EPS 5Y1.08%
EPS Q2Q%63.54%
EPS Next Y51.67%
EPS Next 2Y24.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)22.16%
Revenue growth 3Y5.49%
Revenue growth 5Y5.05%
Sales Q2Q%28.16%
Revenue Next Year17.24%
Revenue Next 2Y9.79%
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%