First Financial Corporation (THFF)

First Financial Statistics

Total Valuation

First Financial has a market cap or net worth of $581.89 million. The enterprise value is $710.55 million.

Market Cap	581.89M
Enterprise Value	710.55M

Important Dates

The next estimated earnings date is Tuesday, April 29, 2025.

Earnings Date	Apr 29, 2025
Ex-Dividend Date	Apr 1, 2025

Share Statistics

First Financial has 11.85 million shares outstanding. The number of shares has decreased by -1.05% in one year.

Current Share Class	11.85M
Shares Outstanding	11.85M
Shares Change (YoY)	-1.05%
Shares Change (QoQ)	+0.11%
Owned by Insiders (%)	5.03%
Owned by Institutions (%)	77.33%
Float	11.26M

Valuation Ratios

The trailing PE ratio is 12.27 and the forward PE ratio is 8.89.

PE Ratio	12.27
Forward PE	8.89
PS Ratio	2.88
Forward PS	2.25
PB Ratio	1.06
P/TBV Ratio	1.36
P/FCF Ratio	10.72
P/OCF Ratio	9.64
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.03
EV / Sales	3.52
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	13.10

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.17
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.78%.

Return on Equity (ROE)	8.78%
Return on Assets (ROA)	0.91%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$215,146
Profits Per Employee	$50,454
Employee Count	937
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, First Financial has paid $9.88 million in taxes.

Income Tax	9.88M
Effective Tax Rate	17.28%

Stock Price Statistics

The stock price has increased by +28.88% in the last 52 weeks. The beta is 0.49, so First Financial's price volatility has been lower than the market average.

Beta (5Y)	0.49
52-Week Price Change	+28.88%
50-Day Moving Average	49.92
200-Day Moving Average	45.26
Relative Strength Index (RSI)	44.95
Average Volume (20 Days)	99,410

Short Selling Information

The latest short interest is 67,575, so 0.57% of the outstanding shares have been sold short.

Short Interest	67,575
Short Previous Month	55,561
Short % of Shares Out	0.57%
Short % of Float	0.60%
Short Ratio (days to cover)	1.09

Income Statement

In the last 12 months, First Financial had revenue of $201.59 million and earned $47.28 million in profits. Earnings per share was $4.00.

Revenue	201.59M
Gross Profit	201.59M
Operating Income	59.94M
Pretax Income	60.12M
Net Income	47.28M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.00

Balance Sheet

The company has $97.41 million in cash and $226.07 million in debt, giving a net cash position of -$128.66 million or -$10.85 per share.

Cash & Cash Equivalents	97.41M
Total Debt	226.07M
Net Cash	-128.66M
Net Cash Per Share	-$10.85
Equity (Book Value)	549.04M
Book Value Per Share	46.36
Working Capital	-4.78B

Cash Flow

In the last 12 months, operating cash flow was $60.37 million and capital expenditures -$6.11 million, giving a free cash flow of $54.26 million.

Operating Cash Flow	60.37M
Capital Expenditures	-6.11M
Free Cash Flow	54.26M
FCF Per Share	$4.58

Margins

Gross Margin	n/a
Operating Margin	29.73%
Pretax Margin	28.35%
Profit Margin	23.45%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	26.91%

Dividends & Yields

This stock pays an annual dividend of $2.04, which amounts to a dividend yield of 4.16%.

Dividend Per Share	$2.04
Dividend Yield	4.16%
Dividend Growth (YoY)	33.33%
Years of Dividend Growth	35
Payout Ratio	50.97%
Buyback Yield	1.05%
Shareholder Yield	5.20%
Earnings Yield	8.12%
FCF Yield	9.32%

Analyst Forecast

The average price target for First Financial is $56.50, which is 15.10% higher than the current price. The consensus rating is "Buy".

Price Target	$56.50
Price Target Difference	15.10%
Analyst Consensus	Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on October 16, 2003. It was a forward split with a ratio of 2:1.

Last Split Date	Oct 16, 2003
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4