First Financial Corporation (THFF)

First Financial Statistics

Total Valuation

First Financial has a market cap or net worth of $784.13 million. The enterprise value is $1.13 billion.

Market Cap	784.13M
Enterprise Value	1.13B

Important Dates

The last earnings date was Tuesday, February 3, 2026.

Earnings Date	Feb 3, 2026
Ex-Dividend Date	Jan 2, 2026

Share Statistics

First Financial has 11.88 million shares outstanding. The number of shares has increased by 0.34% in one year.

Current Share Class	11.88M
Shares Outstanding	11.88M
Shares Change (YoY)	+0.34%
Shares Change (QoQ)	+0.11%
Owned by Insiders (%)	4.98%
Owned by Institutions (%)	81.15%
Float	11.28M

Valuation Ratios

The trailing PE ratio is 9.87 and the forward PE ratio is 9.29.

PE Ratio	9.87
Forward PE	9.29
PS Ratio	3.08
Forward PS	2.68
PB Ratio	1.20
P/TBV Ratio	1.45
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	14.25
EV / Sales	4.45
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 13.20%.

Return on Equity (ROE)	13.20%
Return on Assets (ROA)	1.40%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.03%
Revenue Per Employee	$270,694
Profits Per Employee	$84,534
Employee Count	937
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, First Financial has paid $19.51 million in taxes.

Income Tax	19.51M
Effective Tax Rate	19.76%

Stock Price Statistics

The stock price has increased by +22.87% in the last 52 weeks. The beta is 0.41, so First Financial's price volatility has been lower than the market average.

Beta (5Y)	0.41
52-Week Price Change	+22.87%
50-Day Moving Average	63.28
200-Day Moving Average	56.92
Relative Strength Index (RSI)	55.49
Average Volume (20 Days)	79,601

Short Selling Information

The latest short interest is 196,016, so 1.65% of the outstanding shares have been sold short.

Short Interest	196,016
Short Previous Month	177,646
Short % of Shares Out	1.65%
Short % of Float	1.74%
Short Ratio (days to cover)	3.57

Income Statement

In the last 12 months, First Financial had revenue of $253.64 million and earned $79.21 million in profits. Earnings per share was $6.68.

Revenue	253.64M
Gross Profit	253.64M
Operating Income	101.56M
Pretax Income	98.71M
Net Income	79.21M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$6.68

Balance Sheet

The company has $130.84 million in cash and $480.68 million in debt, with a net cash position of -$349.83 million or -$29.45 per share.

Cash & Cash Equivalents	130.84M
Total Debt	480.68M
Net Cash	-349.83M
Net Cash Per Share	-$29.45
Equity (Book Value)	650.87M
Book Value Per Share	54.78
Working Capital	-4.68B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	40.04%
Pretax Margin	38.92%
Profit Margin	31.23%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $2.24, which amounts to a dividend yield of 3.40%.

Dividend Per Share	$2.24
Dividend Yield	3.40%
Dividend Growth (YoY)	12.37%
Years of Dividend Growth	36
Payout Ratio	31.29%
Buyback Yield	-0.34%
Shareholder Yield	3.05%
Earnings Yield	10.16%
FCF Yield	n/a

Analyst Forecast

The average price target for First Financial is $60.00, which is -9.09% lower than the current price. The consensus rating is "Buy".

Price Target	$60.00
Price Target Difference	-9.09%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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	2