FIRST FINANCIAL CORP (THFF) Fundamental Analysis & Valuation

NASDAQ:THFF • US3202181000

61.78 USD
-1.1 (-1.75%)
At close: Mar 6, 2026
61.78 USD
0 (0%)
After Hours: 3/6/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

Taking everything into account, THFF scores 4 out of 10 in our fundamental rating. THFF was compared to 379 industry peers in the Banks industry. There are concerns on the financial health of THFF while its profitability can be described as average. THFF has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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.
  • 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

  • Looking at the Return On Assets, with a value of 1.31%, THFF belongs to the top of the industry, outperforming 81.53% of the companies in the same industry.
  • 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

  • THFF's Profit Margin of 29.23% is fine compared to the rest of the industry. THFF outperforms 73.88% of its industry peers.
  • 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. 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.
  • Compared to 1 year ago, THFF has a worse debt to assets ratio.
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.
  • With a Debt to FCF ratio value of 2.71, THFF perfoms like the industry average, outperforming 40.37% of the companies in the same industry.
  • THFF has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of THFF (0.32) is worse than 68.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 2.71
Altman-Z N/A
ROIC/WACCN/A
WACC14.85%
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.
  • The Earnings Per Share has been growing by 11.19% on average over the past years. This is quite good.
  • 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

  • THFF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.31% yearly.
  • The Revenue is expected to grow by 7.35% on average over the next years.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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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5

4. THFF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.25 indicates a reasonable valuation of THFF.
  • THFF's Price/Earnings ratio is rather cheap when compared to the industry. THFF is cheaper than 83.64% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.29. THFF is valued rather cheaply when compared to this.
  • THFF is valuated reasonably with a Price/Forward Earnings ratio of 8.74.
  • THFF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. THFF is cheaper than 78.63% of the companies in the same industry.
  • THFF is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.57, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.25
Fwd PE 8.74
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

  • 65.70% 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 10.1
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)1.6
PEG (5Y)0.83
EPS Next 2Y4.31%
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 3.41%, THFF has a reasonable but not impressive dividend return.
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 31.67% 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.
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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THFF Fundamentals: All Metrics, Ratios and Statistics

FIRST FINANCIAL CORP

NASDAQ:THFF (3/6/2026, 8:00:02 PM)

After market: 61.78 0 (0%)

61.78

-1.1 (-1.75%)

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 Cap733.95M
Revenue(TTM)261.84M
Net Income(TTM)74.00M
Analysts45.71
Price Target72.93 (18.05%)
Short Float %1.74%
Short Ratio2.8
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 9.25
Fwd PE 8.74
P/S 2.9
P/FCF 10.1
P/OCF 9.6
P/B 1.18
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)6.68
EY10.81%
EPS(NY)7.07
Fwd EY11.44%
FCF(TTM)6.12
FCFY9.9%
OCF(TTM)6.44
OCFY10.42%
SpS21.31
BVpS52.38
TBVpS42.64
PEG (NY)1.6
PEG (5Y)0.83
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
WACC14.85%
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.