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THFF stock logo

THFF

First Financial Corporation

$74.15
0.42
 (0.57%)
Exchange:  NASDAQ
Market Cap:  881.784M
Shares Outstanding:  10.85M
Delayed data
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial ServicesView sector performance
Industry:  Banks – RegionalView industry performance
   
CEO:  Norman D. Lowery
Full Time Employees:  946
Address: 
One First Financial Plaza
Terre Haute
IN
47807
US
Website:  https://www.first-online.bank
First Financial Corporation operates as the bank holding company for First Financial Bank N.A. that provides various financial services for individuals and businesses in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia in the United States. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits; checking and savings accounts; personal and business certificates of deposit; and digital banking services. It also provides commercial loans primarily to expand a business or finance asset purchases; real estate mortgages, including residential real estate and residential real estate construction loans; home equity loans and lines, secured loans, cash/CD secured loans, and unsecured loans; mortgage refinance; personal and auto loans; and credit cards. In addition, the company offers lease financing, trust account, and depositor services; business services, including accounts receivable and payable, merchant services, fraud protection, money management, and workplace rewards; and wealth services. The company was formerly known as Terre Haute First Corporation and changed its name to First Financial Corporation in December 1984. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.

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Revenue Segmentation

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Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
THTHFF logoTHFFFirst Financial Corporation881.8M10.29.55.1%
NBNBBK logoNBBKNB Bancorp, Inc. Common Stock892.5M14.610.25.3%
SMSMBK logoSMBKSmartFinancial, Inc.869.3M14.613.60.9%
EGEGBN logoEGBNEagle Bancorp, Inc.864.2M—19.8-0.3%
FMFMNB logoFMNBFarmers National Banc Corp.906.5M10.49.80.8%
GSGSBC logoGSBCGreat Southern Bancorp, Inc.850.5M12.713.41.1%

EPS

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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
EBITDA79,02367,100111,577
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 Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)354,895Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)362,400Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)358,647.500Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)133,911.399Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)136,090.732Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)135,001.065Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)101,936.135Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)103,714.091Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)102,825.113Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)103,730.936Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)105,924.544Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)104,827.740Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)8.680Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)8.750Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)8.600Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)2Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)2Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
307.514M  ?P/S
 (TTM)
: 
2.61
?Net Income
 (TTM)
: 
47.275M  ?P/E
 (TTM)
: 
10.19
?Enterprise Value
 (TTM)
: 
1.371B  ?EV/FCF
 (TTM)
: 
14.3
?Dividend Yield
 (TTM)
: 
3.08%  ?Payout Ratio
 (TTM)
: 
29.96%
?ROE
 (TTM)
: 
13.02%  ?ROIC
 (TTM)
: 
5.06%
?Net Debt
 (TTM)
: 
129.48M  ?Debt/Equity
 (TTM)
: 
0.89
?P/B
 (TTM)
: 
1.28  ?Current Ratio
 (TTM)
: 
4.17

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Forward P/E Ratios

?

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

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
9.54Research AccessResearch AccessResearch AccessResearch 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 $34.23 – $75.31 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.

Research tools for First Financial Corporation

  • First Financial Corporation intrinsic value calculatorEstimate what the business is worth
  • First Financial Corporation 5-year outlookWhat has to go right, and what could go wrong
THFF

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

Daily snapshot

0.57
MarketSnap

Trading Metrics:

Open: 74.13   Previous Close: 73.73
Day Low: 73.83   Day High: 75.72
Year Low: 51.21   Year High: 84.17
Price Avg 50: 77.42   Price Avg 200: 70.45
Volume: 162287   Average Volume: 114521

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See in Nexus

Relevant news

Why First Financial Corp. (THFF) is a Top Dividend Stock for Your Portfolio
09-10-2026 12:45
Why First Financial Corp. (THFF) is a Top Dividend Stock for Your Portfolio
First Financial Corp. (THFF) is a Top Dividend Stock Right Now: Should You Buy?
23-09-2026 12:45
First Financial Corp. (THFF) is a Top Dividend Stock Right Now: Should You Buy?
First Financial Corp. (THFF) Could Be a Great Choice
17-06-2026 12:47
First Financial Corp. (THFF) Could Be a Great Choice
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01-06-2026 12:48
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Why First Financial Corp. (THFF) is a Great Dividend Stock Right Now
03-07-2026 12:46
Why First Financial Corp. (THFF) is a Great Dividend Stock Right Now
First Financial Corp. (THFF) is a Great Momentum Stock: Should You Buy?
01-07-2026 13:01
First Financial Corp. (THFF) is a Great Momentum Stock: Should You Buy?

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