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THFF stock logo

THFF

First Financial Corporation

$61.93
-0.92
 (-1.46%)
Exchange:   NASDAQ
Market Cap:   736.465M
Shares Outstanding:   10.85M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Norman D. Lowery
Full Time Employees:  937
Address: 
One First Financial Plaza
Terre Haute
IN
47807
US
Website:  https://www.first-online.com
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.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue271,099307,514326,444
Gross Profit202,669201,592253,590
EBITDA79,02367,100108,461
Operating Income72,49357,15499,357
Net Income60,67247,27579,208

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets4,851,1465,560,3485,756,126
Total Liabilities4,323,1705,011,3075,105,257
Total Stockholders Equity527,976549,041650,869
Total Debt175,798215,177292,468
Cash and Cash Equivalents76,75993,526130,844

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow86,09060,3660
Capital Expenditure-6,541-6,1080
Free Cash Flow79,54954,2580
Net Income60,67247,27579,208
Net Change in Cash-145,75816,767-93,526

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)303,069.992Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)303,863.007Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)303,466.500Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)98,160.936Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)98,417.784Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)98,289.360Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)88,107.194Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)88,375.903Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)88,241.549Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)88,583.197Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)88,814.985Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)88,699.091Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)7.440Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)7.460Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)7.430Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
307.514M  ?P/S
 (TTM)
: 
2.26
?Net Income
 (TTM)
: 
47.275M  ?P/E
 (TTM)
: 
9.27
?Enterprise Value
 (TTM)
: 
1.087B  ?EV/FCF
 (TTM)
: 
12.33
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.31
?ROE
 (TTM)
: 
0.13  ?ROIC
 (TTM)
: 
0.05
?Net Debt
 (TTM)
: 
129.48M  ?Debt/Equity
 (TTM)
: 
0.74
?P/B
 (TTM)
: 
1.13  ?Current Ratio
 (TTM)
: 
4.47

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.59Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates THFF intrinsic value between $60.85 – $67.59 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate THFF Intrinsic Value

Common questions about THFF valuation

Is First Financial Corporation (THFF) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for First Financial Corporation (THFF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is THFF a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether THFF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is THFF’s P/E ratio?

You can see THFF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for THFF?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is THFF a good long-term investment?

Whether THFF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

THFF

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

-1.46
MARKETSnap

Trading Metrics:

Open: 62.35   Previous Close: 62.85
Day Low: 61.7   Day High: 62.57
Year Low: 42.05   Year High: 69.21
Price Avg 50: 63.96   Price Avg 200: 58.44
Volume: 76151   Average Volume: 73762

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See in Nexus

Relevant news

First Financial Corp. (THFF) Could Be a Great Choice
25-03-2026 12:46
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09-03-2026 12:45
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20-02-2026 12:45
First Financial Corp. (THFF) Upgraded to Buy: What Does It Mean for the Stock?
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