THFF

First Financial Corporation

$52.67

1.74

(3.42%)

Exchange:	NASDAQ
Market Cap:	624.171M
Shares Outstanding:	10.85M

Overview

Earnings

Financials

Valuation

Chart

About The Company

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

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Earnings Call

No transcript or summary available for this symbol.

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	143,686	151,904	143,795	154,785	170,104	188,822	185,485	211,758	202,669	217,758
? Cost Of Revenue	0	0	0	0	0	0	0	0	0	0
? Gross Profit	143,686	151,904	143,795	154,785	170,104	188,822	185,485	211,758	202,669	217,758
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	61,878	54,030	52,237	51,587	55,520	62,247	65,768	67,882	71,432	77,343
? Selling And Marketing Expenses	0	0	0	0	0	0	0	0	0	0
? Operating Expenses	-98,929	-89,201	-87,704	-87,412	-109,048	-123,286	-119,872	-99,188	209,964	217,758
? Net Interest Income	0	0	0	0	0	0	0	0	0	174,986
? Interest Income	108,676	109,380	114,195	126,224	149,121	160,485	152,198	183,301	228,397	264,742
? Interest Expense	4,169	4,407	6,338	9,645	17,469	14,139	8,797	18,259	61,135	89,756
? Depreciation And Amortization	5,490	5,595	4,429	4,163	4,823	6,100	6,200	6,100	6,530	9,946
? EBITDA	46,078	63,264	54,179	62,036	65,958	71,628	71,767	93,871	0	0
? EBIT										-9,946
? Operating Income	44,757	62,703	56,091	67,373	61,056	65,536	65,613	112,570	72,493	57,154
? Income Before Tax	40,588	58,296	49,753	57,728	61,056	65,536	65,613	87,760	72,493	57,154
? Income Tax Expense	10,392	19,883	20,622	11,145	12,184	11,692	12,626	16,651	11,821	9,879
? Net Income From Continuing Operations										47,275
? Net Income	30,196	38,413	29,131	46,583	48,872	53,844	52,987	71,109	60,672	47,275
? EPS (Earnings Per Share)	2.350	3.120	2.380	3.800	3.800	3.930	4.020	5.820	5.080	4
? EPS Diluted	2.350	3.120	2.380	3.800	3.800	3.930	4.020	5.820	5.080	4
? Weighted Average Shares Outstanding	12,836	12,317	12,225	12,256	12,865	13,716	13,190	12,211	11,937	11,812
? Weighted Average Shares Outstanding Diluted	12,836	12,317	12,225	12,256	12,865	13,716	13,190	12,211	11,937	11,812
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	88,695	75,012	74,107	74,388	127,426	657,470	682,807	220,039	76,759	93,526
? Short Term Investments	891,082	853,725	814,931	784,916	926,717	1,020,744	1,364,734	1,332,947	1,259,137	1,195,990
? Cash And Short Term Investments	979,777	928,737	889,038	859,304	1,054,143	1,678,214	2,047,541	1,552,986	77,041	1,289,516
? Net Receivables	11,733	12,311	12,913	13,970	18,523	16,957	16,946	21,288	24,877	26,934
? Accounts Receivables										26,934
? Inventory	0	0	0	0	-157,074	-675,740	-700,169	0	0	0
? Total Current Assets	1,995,305	2,049,098	2,101,480	2,141,696	1,072,666	1,695,171	2,064,487	21,289.170	101,918	1,316,450
? Property Plant Equipment Net	50,531	49,240	48,272	46,554	62,576	62,063	69,522	66,147	67,286	81,508
? Goodwill	39,489	34,355	34,355	34,355	78,592	78,592	86,135	86,985	86,985	100,026
? Intangible Assets	3,178	2,109	1,630	1,197	10,643	8,972	8,024	6,714	5,586	21,545
? Long Term Investments	891,082	853,725	814,931	784,916	926,717	1,020,744	1,364,734	1,332,947	1,259,137	726,142
? Total Non Current Assets	984,280	939,429	899,188	867,022	1,078,528	1,170,371	1,528,415	159,846	1,418,994	203,079
? Total Assets	2,979,585	2,988,527	3,000,668	3,008,718	4,023,250	4,557,544	5,170,799	4,989,281	4,851,146	5,560,348
? Account Payables	0	0	0	0	0	0	0	0	0	0
? Short Term Debt	33,831	80,989	57,686	69,656	0	116,061	93,374	70,875	0	0
? Deferred Revenue	0	0	0	0	0	0	0	0	0	0
? Total Current Liabilities	33,831	80,989	57,686	69,656	80,119	116,061	93,374	70,875	0	187,057
? Long Term Debt	12,677	132	0	0	0	0	22,155	9,589	5,964	0
? Deferred Revenue Non Current	0	0	0	0	0	0	0	0	0	0
? Deferred Tax Liabilities Non Current	0	0	0	0	0	0	0	0	0	0
? Total Non Current Liabilities	12,677	132	2,529,413	2,496,361	30,973	11,660	15,937	4,443,113	4,323,170	4,824,250
? Total Liabilities	2,569,269	2,574,132	2,587,099	2,566,021	3,465,642	3,960,552	4,588,223	4,513,997	4,323,170	5,011,307
? Treasury Stock										0
? Preferred Stock	0	0	0	0	0	0	0	0	0	0
? Common Stock	1,817	1,820	1,822	1,824	2,005	2,007	2,009	2,012	2,013.999	2,018
? Retained Earnings	395,633	421,826	420,275	456,712	492,055	521,103	559,139	614,829	663,726	687,366
? Additional Paid In Capital										0
? Total Stockholders Equity	410,316	414,395	413,569	442,697	557,608	596,992	582,576	475,284	527,976	549,041
? Total Equity	410,316	414,395	413,569	442,697	557,608	596,992	582,576	475,284	527,976	549,041
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	2,979,585	2,988,527	3,000,668	3,008,718	4,023,250	4,557,544	5,170,799	4,989,281	4,851,146	5,560,348
? Total Investments	1,782,164	1,707,450	1,629,862	1,569,832	1,853,434	2,041,488	2,729,468	2,665,894	2,518,274	1,922,132
? Total Debt	46,508	81,121	57,686	69,656	80,119	116,061	109,311	80,464	108,577	187,057
? Net Debt	-42,187	6,109	-16,421	-4,732	-47,307	-541,409	-573,496	-139,575	31,818	93,531
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	30,196	38,413	29,131	46,583	48,872	53,844	52,987	71,109	60,672	47,275
? Depreciation And Amortization	5,490	4,968	4,426	4,164	4,826	6,092	6,154	6,111	6,530	9,946
? Deferred Income Tax	-924	-1,512	-4,241	-2,428	-2,841	-3,768	-1,568	-3,150	-472	3,280
? Stock Based Compensation	1,978	2,045	1,768	1,832	2,052	2,291	2,209	2,276	2,413	2,999
? Change In Working Capital	-140	-578	-602	-1,057	-903	1,566	982	-4,342	-3,589	0
? Accounts Receivables	-140	-578	-602	-1,057	-903	1,566	982	-4,342	0	0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Accounts Payables	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Operating Activities	41,255	41,192	50,135	57,448	49,901	77,425	55,067	78,787	86,090	60,366
? Investments In Property Plant And Equipment	-3,496	-3,049	-2,979	-2,013	-1,103	-3,908	-3,835	-1,426	-6,541	0
? Acquisitions Net	10,983	16,895	-65,511	-52,905	-32,830	60,343	-28,312	0	0	0
? Purchases Of Investments	-149,181	-150,893	-111,138	-124,333	-129,466	-365,998	-589,802	-345,201	-30,460	-40,098
? Sales Maturities Of Investments	154,050	168,506	151,562	143,157	185,022	288,792	271,578	179,597	111,541	163,692
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	-66,119
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	37,582
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-82,254
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	119,836
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	-376
? Net Dividends Paid	-12,632	-12,359	-30,556	-12,496	-12,648	-14,273	-14,181	-14,459	-15,383	-21,248
? Common Dividends Paid										-21,248
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	-50,325	-10,825	-24,373	-22,843	36,003	468,867	287,646	-110,608	-209,750	22,520
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	10,593	-13,683	-905	281	53,038	530,044	25,337	-465,510	-145,758	16,767
? Cash At End Of Period	88,695	75,012	74,107	74,388	127,426	657,470	682,807	222,517	76,759	93,526
? Cash At Beginning Of Period	78,102	88,695	75,012	74,107	74,388	127,426	657,470	688,027	222,517	76,759
? Operating Cash Flow	41,255	41,192	50,135	57,448	49,901	77,425	55,067	78,787	86,090	60,366
? Capital Expenditure	-3,496	-3,049	-2,979	-2,013	-1,103	-3,908	-3,835	-1,426	-6,541	0
? Free Cash Flow	37,759	38,143	47,156	55,435	48,798	73,517	51,232	77,361	79,549	54,258
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	145,400.950	149,718.908	166,832.467	187,259.923	186,320.161	208,579.136	209,830.225	218,372.582	251,030.223	255,667
Estimated Revenue (High)	148,569.049	152,981.091	170,467.532	191,340.076	190,379.838	214,151.863	217,240.774	222,389.417	255,647.776	266,000
Estimated Revenue (Avg)	146,985	151,350	168,650	189,300	188,350	211,365.500	213,535.500	220,381	253,339	260,833.500
Estimated Ebitda (Low)	48,682.008	49,350.376	62,207.881	43,589.324	59,246.046	65,170.649	71,687.712	69,761.373	80,194.193	81,675.459
Estimated Ebitda (High)	73,023.013	74,025.566	93,311.822	65,383.987	88,869.070	97,755.976	107,531.570	71,044.592	81,669.318	84,976.442
Estimated Ebitda (Avg)	60,852.511	61,687.971	77,759.852	54,486.656	74,057.558	81,463.313	89,609.642	70,402.982	80,931.755	83,325.951
Estimated Net Income (Low)	23,610.125	32,007.168	36,423.269	27,437.553	37,141.716	40,855.886	48,537.598	52,452.853	63,180.039	67,470.675
Estimated Net Income (High)	35,415.189	48,010.752	54,634.905	41,156.332	55,712.575	61,283.831	72,806.401	52,856.324	69,559.411	69,088.616
Estimated Net Income (Avg)	29,512.657	40,008.960	45,529.087	34,296.943	46,427.146	51,069.859	60,672	52,654.589	65,176	68,279.646
Estimated SGA Expense (Low)	42,030.415	36,982.529	41,724.277	31,620.746	49,623.309	54,585.638	60,044.200	73,532.245	84,529	86,090.334
Estimated SGA Expense (High)	63,045.623	55,473.795	62,586.418	47,431.119	74,434.963	81,878.457	90,066.301	74,884.827	86,083.861	89,569.748
Estimated SGA Expense (Avg)	52,538.019	46,228.162	52,155.348	39,525.933	62,029.136	68,232.048	75,055.251	74,208.536	85,306.430	87,830.041
Estimated EPS (Avg)	2.710	3.360	3.770	3.650	4.500	5.480	5.020	4.420	5.560	5.720
Estimated EPS (High)	2.750	3.400	3.830	3.700	4.570	5.580	5.080	4.430	5.830	5.790
Estimated EPS (Low)	2.680	3.310	3.720	3.600	4.440	5.390	4.960	4.390	5.290	5.650
Number of Analysts (Estimated Revenue)	7	8	1	1	1	1	2	1	1	2
Number of Analysts (Estimated EPS)	6	7	1	1	1	1	2	2	2	1

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Current Key Metrics

?	Revenue (TTM) :	307.514M	?	P/S (TTM) :	1.87
?	Net Income (TTM) :	47.275M	?	P/E (TTM) :	11.01
?	Enterprise Value (TTM) :	779.847M	?	EV/FCF (TTM) :	12.32
?	Dividend Yield (TTM) :	0.04	?	Payout Ratio (TTM) :	0.4
?	ROE (TTM) :	0.1	?	ROIC (TTM) :	0.06
?	Net Debt (TTM) :	129.48M	?	Debt/Equity (TTM) :	0.46
?	P/B (TTM) :	1.05	?	Current Ratio (TTM) :	0.27

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
19.44	15.68	13.97	14.43	11.70

SWOT Analysis

No SWOT analysis available for this stock.

THFF

3.42

4.26

3.93

6.73

12.42

49.04

49.55

Trading Metrics:

Open:	50.92	Previous Close:	50.93
Day Low:	50.78	Day High:	52.68
Year Low:	34.83	Year High:	53.6
Price Avg 50:	49.87	Price Avg 200:	47.78
Volume:	58030	Average Volume:	57703