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Financial Services - Banks - Regional - NASDAQ - US
$ 45.9
-1.02 %
$ 544 M
Market Cap
10.97
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one THFF stock under the worst case scenario is HIDDEN Compared to the current market price of 45.9 USD, First Financial Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one THFF stock under the base case scenario is HIDDEN Compared to the current market price of 45.9 USD, First Financial Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one THFF stock under the best case scenario is HIDDEN Compared to the current market price of 45.9 USD, First Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart THFF

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$54.0$54.0$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
218 M REVENUE
3.71%
-157 M OPERATING INCOME
-216.37%
47.3 M NET INCOME
-22.08%
60.4 M OPERATING CASH FLOW
-29.88%
-66.1 M INVESTING CASH FLOW
-199.21%
22.5 M FINANCING CASH FLOW
110.74%
61.8 M REVENUE
5.86%
0 OPERATING INCOME
0.00%
16.2 M NET INCOME
85.80%
15.9 M OPERATING CASH FLOW
-31.98%
-96.3 M INVESTING CASH FLOW
-173.94%
96.6 M FINANCING CASH FLOW
226.46%
Balance Sheet First Financial Corporation
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Current Assets 1.32 B
Cash & Short-Term Investments 1.29 B
Receivables 26.9 M
Other Current Assets 0
Non-Current Assets 203 M
Long-Term Investments 0
PP&E 81.5 M
Other Non-Current Assets 122 M
84.86 %5.36 %8.00 %Total Assets$1.5b
Current Liabilities 187 M
Accounts Payable 0
Short-Term Debt 187 M
Other Current Liabilities 0
Non-Current Liabilities 4.82 B
Long-Term Debt 0
Other Non-Current Liabilities 4.82 B
3.73 %96.27 %Total Liabilities$5.0b
EFFICIENCY
Earnings Waterfall First Financial Corporation
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Revenue 218 M
Cost Of Revenue -47 M
Gross Profit 265 M
Operating Expenses 218 M
Operating Income -157 M
Other Expenses -204 M
Net Income 47.3 M
300m300m250m250m200m200m150m150m100m100m50m50m00(50m)(50m)(100m)(100m)(150m)(150m)(200m)(200m)218m47m265m(218m)(157m)204m47mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
121.58% GROSS MARGIN
121.58%
-72.03% OPERATING MARGIN
-72.03%
21.71% NET MARGIN
21.71%
8.61% ROE
8.61%
0.85% ROA
0.85%
-8.54% ROIC
-8.54%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis First Financial Corporation
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80m80m70m70m60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 47.3 M
Depreciation & Amortization 14.5 M
Capital Expenditures 0
Stock-Based Compensation 1.33 M
Change in Working Capital 0
Others -6.03 M
Free Cash Flow 60.4 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets First Financial Corporation
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THFF has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.97% DIVIDEND YIELD
0.51 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
3.003.002.502.502.002.001.501.501.001.000.500.500.000.000.490.490.50.510.510.520.530.630.740.450.510.490.50.50.510.520.520.530.540.540.510.451.52.930.451.440.451.451.021.031.041.061.171.280.960.512015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 18
6. Ownership
Insider Ownership First Financial Corporation
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Sold
0-3 MONTHS
56.9 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
262 K USD 4
0-3 MONTHS
25.1 K USD 2
3-6 MONTHS
5.07 K USD 1
6-9 MONTHS
60.3 K USD 3
9-12 MONTHS
7. News
Compared to Estimates, First Financial Corp. (THFF) Q1 Earnings: A Look at Key Metrics Although the revenue and EPS for First Financial Corp. (THFF) give a sense of how its business performed in the quarter ended March 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 1 week ago
First Financial Corp. (THFF) Q1 Earnings and Revenues Surpass Estimates First Financial Corp. (THFF) came out with quarterly earnings of $1.55 per share, beating the Zacks Consensus Estimate of $1.29 per share. This compares to earnings of $0.93 per share a year ago. zacks.com - 1 week ago
First Financial Corp. (THFF) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial Corp. (THFF) have what it takes? zacks.com - 2 weeks ago
First Financial Corporation: The Picture Is Improving First Financial Corporation has shown solid financial results, with improved revenue and profits due to a larger balance sheet and better net interest margin. Despite asset quality and some financial improvements, the stock's valuation remains higher than preferred, with a price to earnings multiple of 11.0. The company's balance sheet has grown, with increased deposits and loans, but securities exposure has decreased, and debt has risen slightly. seekingalpha.com - 3 weeks ago
First Financial: An Under-The-Radar Value Pick A small regional bank operating off the beaten track, First Financial Corporation is unlikely to be on the average investor's radar. This bank appears to have a nice funding cost advantage, and its underwriting performance during the last financial crisis was excellent too. These shares trade for less than 8x consensus 2025 EPS. While there's plenty of economic uncertainty right now, the valuation would be the same based on the bank's historical ROA. seekingalpha.com - 4 weeks ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial Corp. (THFF) have what it takes? zacks.com - 1 month ago
First Financial Corporation Declares Quarterly Dividend TERRE HAUTE, Ind., March 20, 2025 (GLOBE NEWSWIRE) -- The directors of First Financial Corporation (NASDAQ: THFF) have declared a dividend of 51 cents per share payable on April 15, 2025, to shareholders of record at the close of business April 1, 2025. globenewswire.com - 1 month ago
Best Income Stocks to Buy for March 19th CION, PSTL and THFF made it to the Zacks Rank #1 (Strong Buy) income stocks list on March 19, 2025. zacks.com - 1 month ago
New Strong Buy Stocks for March 19th CCNE, NATL, CLS, THFF and HTB have been added to the Zacks Rank #1 (Strong Buy) List on March 19, 2025. zacks.com - 1 month ago
Best Value Stocks to Buy for March 17th ENS, AMAL and THFF made it to the Zacks Rank #1 (Strong Buy) value stocks list on March 17, 2025. zacks.com - 1 month ago
First Financial Corp. (THFF) Upgraded to Strong Buy: Here's What You Should Know First Financial Corp. (THFF) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy). zacks.com - 1 month ago
Best Income Stocks to Buy for March 12th THFF, HBT and UVSP made it to the Zacks Rank #1 (Strong Buy) income stocks list on March 12, 2025. zacks.com - 1 month ago
8. Profile Summary

First Financial Corporation THFF

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 544 M
Dividend Yield 0.97%
Description First Financial Corporation, through its subsidiaries, provides various financial services. It offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. The company also provides commercial loans primarily to expand a business or finance asset purchases; residential real estate and residential real estate construction loans; and home equity loans and lines, secured loans, and cash/CD secured and unsecured loans. In addition, it offers lease financing, trust account, depositor, and insurance services. The company operates 78 branches in west-central Indiana, east-central Illinois, western Kentucky, and middle and western Tennessee. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.
Contact One First Financial Plaza, Terre Haute, IN, 47807 https://www.first-online.com
IPO Date March 3, 1992
Employees 937
Officers Mr. Stephen P. Panagouleas Senior Vice President & Chief Credit Officer Mr. Bob Renock Chief Marketing Officer Mr. Rodger A. McHargue Senior Vice President, Secretary, Treasurer & Chief Financial Officer Mr. Terry Tevlin Vice President of Marketing Mr. Mark A. Franklin Senior Vice President & Chief Lending Officer Mr. Norman D. Lowery President, Chief Executive Officer & Director Mr. Norman L. Lowery J.D. Executive Chairman