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First Financial NasdaqGS:THFF Stock Report

Last Price

US$53.00

Market Cap

US$628.1m

7D

1.4%

1Y

40.8%

Updated

19 May, 2025

Data

Company Financials +

First Financial Corporation

NasdaqGS:THFF Stock Report

Market Cap: US$628.1m

THFF Stock Overview

Through its subsidiaries, provides various financial products and services in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia. More details

THFF fundamental analysis
Snowflake Score
Valuation4/6
Future Growth2/6
Past Performance1/6
Financial Health6/6
Dividends3/6

Rewards

Trading at 62.2% below our estimate of its fair value

Earnings are forecast to grow 12.18% per year

Risk Analysis

Unstable dividend track record


Community vs My Fair Value

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First Financial Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for First Financial
Historical stock prices
Current Share PriceUS$53.00
52 Week HighUS$53.60
52 Week LowUS$34.61
Beta0.41
1 Month Change19.61%
3 Month Change1.94%
1 Year Change40.85%
3 Year Change20.43%
5 Year Change58.83%
Change since IPO808.95%

Recent News & Updates

First Financial: Fair Value Given Lackluster Growth Prospects

May 18

Recent updates

First Financial: Fair Value Given Lackluster Growth Prospects

May 18

First Financial (NASDAQ:THFF) Is Increasing Its Dividend To $0.51

Dec 24
First Financial (NASDAQ:THFF) Is Increasing Its Dividend To $0.51

First Financial: A Middle-Of-The-Pack Prospect

Nov 06

First Financial (NASDAQ:THFF) Is Paying Out A Dividend Of $0.54

Jun 03
First Financial (NASDAQ:THFF) Is Paying Out A Dividend Of $0.54

First Financial (NASDAQ:THFF) Will Pay A Dividend Of $0.54

May 20
First Financial (NASDAQ:THFF) Will Pay A Dividend Of $0.54

First Financial (NASDAQ:THFF) Is Paying Out A Larger Dividend Than Last Year

Jan 02
First Financial (NASDAQ:THFF) Is Paying Out A Larger Dividend Than Last Year

First Financial (NASDAQ:THFF) Will Pay A Larger Dividend Than Last Year At $0.74

Dec 11
First Financial (NASDAQ:THFF) Will Pay A Larger Dividend Than Last Year At $0.74

First Financial (NASDAQ:THFF) Is Increasing Its Dividend To US$0.54

Jun 05
First Financial (NASDAQ:THFF) Is Increasing Its Dividend To US$0.54

First Financial (NASDAQ:THFF) Will Pay A Larger Dividend Than Last Year At US$0.63

Dec 31
First Financial (NASDAQ:THFF) Will Pay A Larger Dividend Than Last Year At US$0.63

Increases to First Financial Corporation's (NASDAQ:THFF) CEO Compensation Might Cool off for now

Apr 15
Increases to First Financial Corporation's (NASDAQ:THFF) CEO Compensation Might Cool off for now

The Attractive Combination That Could Earn First Financial Corporation (NASDAQ:THFF) A Place In Your Dividend Portfolio

Apr 06
The Attractive Combination That Could Earn First Financial Corporation (NASDAQ:THFF) A Place In Your Dividend Portfolio

How Many First Financial Corporation (NASDAQ:THFF) Shares Did Insiders Buy, In The Last Year?

Mar 02
How Many First Financial Corporation (NASDAQ:THFF) Shares Did Insiders Buy, In The Last Year?

Introducing First Financial (NASDAQ:THFF), A Stock That Climbed 19% In The Last Five Years

Feb 02
Introducing First Financial (NASDAQ:THFF), A Stock That Climbed 19% In The Last Five Years

Why You Might Be Interested In First Financial Corporation (NASDAQ:THFF) For Its Upcoming Dividend

Jan 04
Why You Might Be Interested In First Financial Corporation (NASDAQ:THFF) For Its Upcoming Dividend

What Does First Financial's (NASDAQ:THFF) CEO Pay Reveal?

Dec 23
What Does First Financial's (NASDAQ:THFF) CEO Pay Reveal?

What Makes First Financial Corporation (NASDAQ:THFF) A Great Dividend Stock?

Dec 02
What Makes First Financial Corporation (NASDAQ:THFF) A Great Dividend Stock?

Shareholder Returns

THFFUS BanksUS Market
7D1.4%1.4%1.6%
1Y40.8%21.8%11.7%

Return vs Industry: THFF exceeded the US Banks industry which returned 22.1% over the past year.

Return vs Market: THFF exceeded the US Market which returned 11.9% over the past year.

Price Volatility

Is THFF's price volatile compared to industry and market?
THFF volatility
THFF Average Weekly Movement4.8%
Banks Industry Average Movement4.7%
Market Average Movement8.1%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market4.1%

Stable Share Price: THFF has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: THFF's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1834937Norman Lowerywww.first-online.bank

First Financial Corporation, through its subsidiaries, provides various financial products and services in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia. 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.

First Financial Corporation Fundamentals Summary

How do First Financial's earnings and revenue compare to its market cap?
THFF fundamental statistics
Market capUS$628.08m
Earnings (TTM)US$54.76m
Revenue (TTM)US$215.58m
11.5x
P/E Ratio
1.1x
P/B Ratio

Is THFF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
THFF income statement (TTM)
RevenueUS$215.58m
Cost of RevenueUS$0
Gross ProfitUS$215.58m
Other ExpensesUS$160.82m
EarningsUS$54.76m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)4.62
Gross Margin100.00%
Net Profit Margin25.40%
Debt/Equity Ratio45.9%

How did THFF perform over the long term?

See historical performance and comparison

Dividends

3.8%
Current Dividend Yield
41%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/05/19 21:08
End of Day Share Price 2025/05/19 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First Financial Corporation is covered by 5 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Daniel CardenasHowe Barnes Hoefer & Arnett, Inc.
Brian MartinJanney Montgomery Scott LLC
Damon DelMonteKeefe, Bruyette, & Woods