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FIRST FINANCIAL CORP (THFF) Stock Fundamental Analysis

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

50.68  +1.23 (+2.49%)

After market: 50.68 0 (0%)

Fundamental Rating

4

Overall THFF gets a fundamental rating of 4 out of 10. We evaluated THFF against 397 industry peers in the Banks industry. THFF may be in some trouble as it scores bad on both profitability and health. THFF has a correct valuation and a medium growth rate. THFF also has an excellent dividend rating.


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.
THFF had positive earnings in each of the past 5 years.
Each year in the past 5 years THFF had a positive operating cash flow.
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 has a Return On Assets (0.85%) which is in line with its industry peers.
THFF's Return On Equity of 8.61% is in line compared to the rest of the industry. THFF outperforms 52.76% of its industry peers.
Industry RankSector Rank
ROA 0.85%
ROE 8.61%
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 (21.71%) which is in line with its industry peers.
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) 21.71%
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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1

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
THFF has less shares outstanding than it did 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 3.83. This is a good value and a sign of high solvency as THFF would need 3.83 years to pay back of all of its debts.
THFF's Debt to FCF ratio of 3.83 is on the low side compared to the rest of the industry. THFF is outperformed by 66.08% of its industry peers.
A Debt/Equity ratio of 0.38 indicates that THFF is not too dependend on debt financing.
THFF's Debt to Equity ratio of 0.38 is on the low side compared to the rest of the industry. THFF is outperformed by 73.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 3.83
Altman-Z N/A
ROIC/WACCN/A
WACC16.02%
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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5

3. Growth

3.1 Past

THFF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.41%.
Measured over the past 5 years, THFF shows a small growth in Earnings Per Share. The EPS has been growing by 1.08% on average per year.
Looking at the last year, THFF shows a small growth in Revenue. The Revenue has grown by 3.71% in the last year.
THFF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.05% yearly.
EPS 1Y (TTM)-21.41%
EPS 3Y-0.08%
EPS 5Y1.08%
EPS Q2Q%29.25%
Revenue 1Y (TTM)3.71%
Revenue growth 3Y5.49%
Revenue growth 5Y5.05%
Sales Q2Q%21.59%

3.2 Future

THFF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.35% yearly.
THFF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.55% yearly.
EPS Next Y37.02%
EPS Next 2Y20.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.52%
Revenue Next 2Y8.55%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.67 indicates a correct valuation of THFF.
Compared to the rest of the industry, the Price/Earnings ratio of THFF is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 28.18, THFF is valued rather cheaply.
THFF is valuated reasonably with a Price/Forward Earnings ratio of 9.25.
Based on the Price/Forward Earnings ratio, THFF is valued a bit cheaper than the industry average as 62.56% of the companies are valued more expensively.
THFF is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.81, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.67
Fwd PE 9.25
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

THFF's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.07
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

THFF's 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 20.35% in the coming years.
PEG (NY)0.34
PEG (5Y)11.68
EPS Next 2Y20.35%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.13%, THFF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.50, THFF pays a bit more dividend than its industry peers.
THFF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 4.13%

5.2 History

The dividend of THFF is nicely growing with an annual growth rate of 13.06%!
THFF has paid a dividend for at least 10 years, which is a reliable track record.
THFF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)13.06%
Div Incr Years10
Div Non Decr Years10
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

THFF pays out 44.95% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of THFF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP44.95%
EPS Next 2Y20.35%
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 (5/2/2025, 8:25:31 PM)

After market: 50.68 0 (0%)

50.68

+1.23 (+2.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22
Earnings (Next)07-21 2025-07-21
Inst Owners78.79%
Inst Owner Change-1.15%
Ins Owners3.97%
Ins Owner Change2.03%
Market Cap600.56M
Analysts82.22
Price Target57.46 (13.38%)
Short Float %1.21%
Short Ratio1.68
Dividend
Industry RankSector Rank
Dividend Yield 4.13%
Yearly Dividend1.8
Dividend Growth(5Y)13.06%
DP44.95%
Div Incr Years10
Div Non Decr Years10
Ex-Date04-01 2025-04-01 (0.51)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.4%
Min EPS beat(2)-20.01%
Max EPS beat(2)5.21%
EPS beat(4)1
Avg EPS beat(4)-5.77%
Min EPS beat(4)-20.01%
Max EPS beat(4)5.21%
EPS beat(8)4
Avg EPS beat(8)-0.64%
EPS beat(12)7
Avg EPS beat(12)6.53%
EPS beat(16)10
Avg EPS beat(16)5.35%
Revenue beat(2)1
Avg Revenue beat(2)-1.56%
Min Revenue beat(2)-3.54%
Max Revenue beat(2)0.41%
Revenue beat(4)1
Avg Revenue beat(4)-3.17%
Min Revenue beat(4)-4.81%
Max Revenue beat(4)0.41%
Revenue beat(8)1
Avg Revenue beat(8)-3.6%
Revenue beat(12)4
Avg Revenue beat(12)-1.97%
Revenue beat(16)5
Avg Revenue beat(16)-2.07%
PT rev (1m)0%
PT rev (3m)10.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.7%
EPS NY rev (1m)0%
EPS NY rev (3m)3.53%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)4.3%
Revenue NY rev (1m)1.01%
Revenue NY rev (3m)2.81%
Valuation
Industry RankSector Rank
PE 12.67
Fwd PE 9.25
P/S 2.76
P/FCF 11.07
P/OCF 9.95
P/B 1.09
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)4
EY7.89%
EPS(NY)5.48
Fwd EY10.81%
FCF(TTM)4.58
FCFY9.03%
OCF(TTM)5.09
OCFY10.05%
SpS18.38
BVpS46.33
TBVpS36.07
PEG (NY)0.34
PEG (5Y)11.68
Profitability
Industry RankSector Rank
ROA 0.85%
ROE 8.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.71%
GM N/A
FCFM 24.92%
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 0.38
Debt/FCF 3.83
Debt/EBITDA N/A
Cap/Depr 61.41%
Cap/Sales 2.8%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 114.77%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC16.02%
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)-21.41%
EPS 3Y-0.08%
EPS 5Y1.08%
EPS Q2Q%29.25%
EPS Next Y37.02%
EPS Next 2Y20.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.71%
Revenue growth 3Y5.49%
Revenue growth 5Y5.05%
Sales Q2Q%21.59%
Revenue Next Year14.52%
Revenue Next 2Y8.55%
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-31.79%
FCF growth 3Y1.93%
FCF growth 5Y2.14%
OCF growth 1Y-29.88%
OCF growth 3Y3.11%
OCF growth 5Y3.88%