FIRST FINANCIAL CORP (THFF) Fundamental Analysis & Valuation

NASDAQ:THFF • US3202181000

Current stock price

66.85 USD
-0.64 (-0.95%)
At close:
66.85 USD
0 (0%)
After Hours:

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

1.2 Ratios

  • THFF has a better Return On Assets (1.38%) than 83.55% of its industry peers.
  • With a decent Return On Equity value of 12.17%, THFF is doing good in the industry, outperforming 79.84% of the companies in the same industry.
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

  • Looking at the Profit Margin, with a value of 30.25%, THFF is in the better half of the industry, outperforming 76.13% 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) 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.
  • 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

  • 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.
  • THFF has a worse Debt to FCF ratio (3.53) than 62.07% of its industry peers.
  • A Debt/Equity ratio of 0.47 indicates that THFF is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.47, THFF is doing worse than 75.86% 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
WACC12.39%
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 67.00%, which is quite impressive.
  • Measured over the past years, THFF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.19% on average per year.
  • THFF shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.24%.
  • The Revenue has been growing slightly by 6.76% on average over the past years.
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

  • Based on estimates for the next years, THFF will show a small growth in Earnings Per Share. The EPS will grow by 6.73% on average per year.
  • THFF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.35% yearly.
EPS Next Y9.56%
EPS Next 2Y6.73%
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.
  • 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

  • The Price/Earnings ratio is 10.01, which indicates a very decent valuation of THFF.
  • Based on the Price/Earnings ratio, THFF is valued cheaper than 83.55% of the companies in the same industry.
  • THFF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.86.
  • A Price/Forward Earnings ratio of 9.13 indicates a reasonable valuation of THFF.
  • THFF's Price/Forward Earnings ratio is rather cheap when compared to the industry. THFF is cheaper than 81.70% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 37.39. THFF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.01
Fwd PE 9.13
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

  • THFF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. THFF is cheaper than 76.92% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.2
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)1.05
PEG (5Y)0.89
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 2.53, 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 1.82.
Industry RankSector Rank
Dividend Yield 3.32%

5.2 History

  • On average, the dividend of THFF grows each year by 14.27%, which is quite nice.
  • THFF has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of THFF decreased 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.
  • THFF's earnings are growing slower than its dividend. 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 (4/10/2026, 8:00:01 PM)

After market: 66.85 0 (0%)

66.85

-0.64 (-0.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners82.27%
Inst Owner Change0.02%
Ins Owners4.98%
Ins Owner Change1.79%
Market Cap794.85M
Revenue(TTM)261.84M
Net Income(TTM)79.21M
Analysts77.78
Price Target72.93 (9.09%)
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%
Revenue NY rev (3m)2.91%
Valuation
Industry RankSector Rank
PE 10.01
Fwd PE 9.13
P/S 3.04
P/FCF 9.2
P/OCF 8.79
P/B 1.22
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)6.68
EY9.99%
EPS(NY)7.32
Fwd EY10.95%
FCF(TTM)7.27
FCFY10.87%
OCF(TTM)7.6
OCFY11.37%
SpS22.02
BVpS54.74
TBVpS45.11
PEG (NY)1.05
PEG (5Y)0.89
Graham Number90.71
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
WACC12.39%
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)67%
EPS 3Y4.76%
EPS 5Y11.19%
EPS Q2Q%32.12%
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%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 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 10.01 and the Price/Book (PB) ratio is 1.22.


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.