A Business at a Glance
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FIRST FINANCIAL CORP /IN/ operates in the State Commercial Banks industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 253M | 218M | 210M | 212M | 185M | 189M |
| Net Income | 74M | 47M | 61M | 71M | 53M | 54M |
| EPS | $6.24 | $4.00 | $5.08 | $5.82 | $4.02 | $3.93 |
| Free Cash Flow | 73M | 54M | 80M | 77M | 51M | 74M |
| ROIC | 11.9% | 8.6% | 11.5% | 15.0% | 9.1% | 9.0% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 9.13 | 8.19 | 9.50 | 7.88 | 6.64 |
| Dividends/Share | $1.98 | $1.80 | $1.29 | $1.18 | $1.08 | $1.04 |
| Operating Income | 2.8M | 3.5M | 5.9M | 9.2M | 3.6M | 4.1M |
| Operating Margin | 1.1% | 1.6% | 2.8% | 4.4% | 1.9% | 2.2% |
| ROE | 11.9% | 8.8% | 11.5% | 15.0% | 9.1% | 9.0% |
| Shares Outstanding | 12M | 12M | 12M | 12M | 13M | 14M |
FIRST FINANCIAL CORP /IN/ passes 2 of 9 quality checks, indicating weak fundamentals.
FIRST FINANCIAL CORP /IN/ trades at 10.7x trailing earnings, compared to its 15-year median P/E of 9.8x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 10.9x vs a median of 8.9x. The company's 5-year average ROIC is 10.6%. Total shareholder yield (dividends) is 3.0%. At current prices, the estimated annualized return to fair value is +6.0%.
FIRST FINANCIAL CORP /IN/ (THFF) has a current P/E ratio of 10.7, compared to its historical median P/E of 9.8. The stock is currently considered Fair based on its historical valuation range.
FIRST FINANCIAL CORP /IN/ (THFF) has a 5-year average return on invested capital (ROIC) of 10.6%. This indicates solid capital allocation.
FIRST FINANCIAL CORP /IN/ (THFF) has a market capitalization of $791M. It is classified as a small-cap stock.
Yes, FIRST FINANCIAL CORP /IN/ (THFF) pays a dividend with a trailing twelve-month yield of 2.96%. The company also returns capital through share buybacks, with a buyback yield of 0.05%.
Based on historical P/E analysis, FIRST FINANCIAL CORP /IN/ (THFF) appears fair. The current P/E of 10.7 is 9% above its historical median of 9.8. The estimated fair value CAGR (P/E method) is 6.6%.
FIRST FINANCIAL CORP /IN/ (THFF) operates in the State Commercial Banks industry, within the Financials sector.
FIRST FINANCIAL CORP /IN/ (THFF) reported annual revenue of $218 million in its most recent fiscal year, based on SEC EDGAR filings.
FIRST FINANCIAL CORP /IN/ (THFF) has a net profit margin of 21.7%. This is a strong margin indicating high profitability.
FIRST FINANCIAL CORP /IN/ (THFF) generated $54 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FIRST FINANCIAL CORP /IN/ (THFF) has a debt-to-equity ratio of 9.13. This indicates higher leverage, which may increase financial risk.
FIRST FINANCIAL CORP /IN/ (THFF) reported earnings per share (EPS) of $4.00 in its most recent fiscal year.
FIRST FINANCIAL CORP /IN/ (THFF) has a return on equity (ROE) of 8.8%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for FIRST FINANCIAL CORP /IN/ (THFF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FIRST FINANCIAL CORP /IN/ (THFF) has a book value per share of $46.46, based on its most recent annual SEC filing.
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