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FIRST FINANCIAL CORP (THFF) Stock Fundamental Analysis

NASDAQ:THFF - Nasdaq - US3202181000 - Common Stock - Currency: USD

47.31  -0.68 (-1.42%)

After market: 47.31 0 (0%)

Fundamental Rating

4

Overall THFF gets a fundamental rating of 4 out of 10. We evaluated THFF against 398 industry peers in the Banks industry. THFF may be in some trouble as it scores bad on both profitability and health. THFF has a correct valuation and a medium growth rate. Finally THFF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

THFF had positive earnings in the past year.
In the past year THFF had a positive cash flow from operations.
Each year in the past 5 years THFF has been profitable.
THFF had a positive operating cash flow in 4 of the past 5 years.
THFF Yearly Net Income VS EBIT VS OCF VS FCFTHFF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

With a Return On Assets value of 0.79%, THFF perfoms like the industry average, outperforming 46.73% of the companies in the same industry.
THFF has a Return On Equity (7.68%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.79%
ROE 7.68%
ROIC N/A
ROA(3y)1.18%
ROA(5y)1.15%
ROE(3y)11.69%
ROE(5y)10.63%
ROIC(3y)N/A
ROIC(5y)N/A
THFF Yearly ROA, ROE, ROICTHFF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

THFF has a Profit Margin of 21.01%. This is comparable to the rest of the industry: THFF outperforms 41.21% of its industry peers.
In the last couple of years the Profit Margin of THFF has declined.
THFF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.01%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.75%
PM growth 5Y-5.45%
GM growth 3YN/A
GM growth 5YN/A
THFF Yearly Profit, Operating, Gross MarginsTHFF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

THFF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for THFF has been increased compared to 1 year ago.
THFF has less shares outstanding than it did 5 years ago.
THFF has a worse debt/assets ratio than last year.
THFF Yearly Shares OutstandingTHFF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
THFF Yearly Total Debt VS Total AssetsTHFF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

The Debt to FCF ratio of THFF is 1.85, which is an excellent value as it means it would take THFF, only 1.85 years of fcf income to pay off all of its debts.
THFF has a Debt to FCF ratio (1.85) which is in line with its industry peers.
A Debt/Equity ratio of 0.19 indicates that THFF is not too dependend on debt financing.
THFF has a Debt to Equity ratio (0.19) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.85
Altman-Z N/A
ROIC/WACCN/A
WACC14.32%
THFF Yearly LT Debt VS Equity VS FCFTHFF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
THFF Yearly Current Assets VS Current LiabilitesTHFF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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5

3. Growth

3.1 Past

THFF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.41%.
THFF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.08% yearly.
THFF shows a small growth in Revenue. In the last year, the Revenue has grown by 3.71%.
THFF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.05% yearly.
EPS 1Y (TTM)-21.41%
EPS 3Y-0.08%
EPS 5Y1.08%
EPS Q2Q%29.25%
Revenue 1Y (TTM)3.71%
Revenue growth 3Y5.49%
Revenue growth 5Y5.05%
Sales Q2Q%21.59%

3.2 Future

The Earnings Per Share is expected to grow by 20.35% on average over the next years. This is a very strong growth
THFF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.91% yearly.
EPS Next Y37.02%
EPS Next 2Y20.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.48%
Revenue Next 2Y7.91%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
THFF Yearly Revenue VS EstimatesTHFF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
THFF Yearly EPS VS EstimatesTHFF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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6

4. Valuation

4.1 Price/Earnings Ratio

THFF is valuated reasonably with a Price/Earnings ratio of 11.83.
THFF's Price/Earnings is on the same level as the industry average.
THFF is valuated cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.63, the valuation of THFF can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of THFF indicates a somewhat cheap valuation: THFF is cheaper than 67.34% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.38. THFF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.83
Fwd PE 8.63
THFF Price Earnings VS Forward Price EarningsTHFF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

THFF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. THFF is cheaper than 62.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.65
EV/EBITDA N/A
THFF Per share dataTHFF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

THFF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
THFF's earnings are expected to grow with 20.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)10.91
EPS Next 2Y20.35%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

THFF has a Yearly Dividend Yield of 4.60%, which is a nice return.
THFF's Dividend Yield is a higher than the industry average which is at 3.58.
Compared to an average S&P500 Dividend Yield of 2.51, THFF pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.6%

5.2 History

The dividend of THFF has a limited annual growth rate of 4.76%.
THFF has been paying a dividend for at least 10 years, so it has a reliable track record.
THFF has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.76%
Div Incr Years10
Div Non Decr Years10
THFF Yearly Dividends per shareTHFF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

36.68% of the earnings are spent on dividend by THFF. This is a low number and sustainable payout ratio.
THFF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.68%
EPS Next 2Y20.35%
EPS Next 3YN/A
THFF Yearly Income VS Free CF VS DividendTHFF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
THFF Dividend Payout.THFF Dividend Payout, showing the Payout Ratio.THFF Dividend Payout.PayoutRetained Earnings

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FIRST FINANCIAL CORP

NASDAQ:THFF (4/25/2025, 8:00:01 PM)

After market: 47.31 0 (0%)

47.31

-0.68 (-1.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04 2025-02-04/dmh
Earnings (Next)04-29 2025-04-29
Inst Owners78.79%
Inst Owner Change-1.74%
Ins Owners3.97%
Ins Owner Change2%
Market Cap560.62M
Analysts82.22
Price Target57.46 (21.45%)
Short Float %1.34%
Short Ratio1.87
Dividend
Industry RankSector Rank
Dividend Yield 4.6%
Yearly Dividend1.29
Dividend Growth(5Y)4.76%
DP36.68%
Div Incr Years10
Div Non Decr Years10
Ex-Date04-01 2025-04-01 (0.51)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.73%
Min EPS beat(2)-20.01%
Max EPS beat(2)-1.45%
EPS beat(4)0
Avg EPS beat(4)-9.17%
Min EPS beat(4)-20.01%
Max EPS beat(4)-1.45%
EPS beat(8)3
Avg EPS beat(8)-1.48%
EPS beat(12)6
Avg EPS beat(12)2.08%
EPS beat(16)10
Avg EPS beat(16)6.81%
Revenue beat(2)0
Avg Revenue beat(2)-4.18%
Min Revenue beat(2)-4.81%
Max Revenue beat(2)-3.54%
Revenue beat(4)0
Avg Revenue beat(4)-4.37%
Min Revenue beat(4)-4.81%
Max Revenue beat(4)-3.54%
Revenue beat(8)0
Avg Revenue beat(8)-4.19%
Revenue beat(12)3
Avg Revenue beat(12)-2.2%
Revenue beat(16)5
Avg Revenue beat(16)-1.92%
PT rev (1m)0%
PT rev (3m)13.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.72%
EPS NY rev (3m)3.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)1.76%
Valuation
Industry RankSector Rank
PE 11.83
Fwd PE 8.63
P/S 2.71
P/FCF 9.65
P/OCF 8.7
P/B 0.99
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)4
EY8.45%
EPS(NY)5.48
Fwd EY11.58%
FCF(TTM)4.9
FCFY10.36%
OCF(TTM)5.44
OCFY11.49%
SpS17.45
BVpS47.76
TBVpS37.6
PEG (NY)0.32
PEG (5Y)10.91
Profitability
Industry RankSector Rank
ROA 0.79%
ROE 7.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.01%
GM N/A
FCFM 28.09%
ROA(3y)1.18%
ROA(5y)1.15%
ROE(3y)11.69%
ROE(5y)10.63%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.75%
PM growth 5Y-5.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.85
Debt/EBITDA N/A
Cap/Depr 76.77%
Cap/Sales 3.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 133.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.32%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-21.41%
EPS 3Y-0.08%
EPS 5Y1.08%
EPS Q2Q%29.25%
EPS Next Y37.02%
EPS Next 2Y20.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.71%
Revenue growth 3Y5.49%
Revenue growth 5Y5.05%
Sales Q2Q%21.59%
Revenue Next Year13.48%
Revenue Next 2Y7.91%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-34.13%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-30.5%
OCF growth 3YN/A
OCF growth 5YN/A