Symbols / THFF Stock $66.32 +0.17% First Financial Corporation

Financial Services • Banks - Regional • United States • NMS
THFF (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Norman D. Lowery
Exch · Country NMS · United States
Market Cap 788.67M
Enterprise Value 1.15B
Income 79.21M
Sales 253.64M
FCF (ttm) —
Book/sh 54.78
Cash/sh 11.23
Employees 946
Insider 10d —
IPO Mar 03, 1992
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 31.29%
P/E 9.93
Forward P/E 8.89
PEG 9.51
P/S 3.11
P/B 1.21
P/C —
EV/EBITDA —
EV/Sales 4.52
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 6.68
EPS next Y 7.46
EPS Growth 31.60%
Revenue Growth 4.80%
EPS Gr Q/Q 32.10%
Rev Gr Q/Q —
Earnings (next) 2026-04-28
Earnings (prior) 2026-02-03
ROA 1.40%
ROE 13.20%
ROIC —
Gross Margin 0.00%
Oper. Margin 34.24%
Profit Margin 31.23%
Shs Outstand 11.89M
Shs Float 11.29M
Insider Own 4.98%
Instit Own 83.16%
Short Float 2.03%
Short Ratio 2.42
Short Interest 228.96K
52W High 69.21
vs 52W High -4.18%
52W Low 46.15
vs 52W Low 43.71%
Beta 0.40
Impl. Vol. 68.70%
Rel Volume 1.34
Avg Volume 86.08K
Volume 115.39K
Target (mean) $71.50
Tgt Median $71.50
Tgt Low $68.00
Tgt High $75.00
# Analysts 2
Recom None
Prev Close $66.21
Price $66.32
Change 0.17%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$71.50
Mean price target
2. Current target
$66.32
Latest analyst target
3. DCF / Fair value
$100.20
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$66.32
Low
$68.00
High
$75.00
Mean
$71.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-10-30 main Keefe, Bruyette & Woods Market Perform → Market Perform $62
2025-07-23 main Keefe, Bruyette & Woods Market Perform → Market Perform $61
2025-07-08 down Raymond James Outperform → Market Perform —
2025-02-24 up Janney Montgomery Scott Neutral → Buy $58
2025-02-06 reit Keefe, Bruyette & Woods Market Perform → Market Perform $55
2024-07-25 main Keefe, Bruyette & Woods Market Perform → Market Perform $45
2024-05-01 reit Keefe, Bruyette & Woods Market Perform → Market Perform $43
2023-11-16 main Keefe, Bruyette & Woods Market Perform → Market Perform $43
2023-04-28 main Keefe, Bruyette & Woods — → Market Perform $42
2022-07-07 down Raymond James Outperform → Market Perform $50
2022-05-02 main Raymond James — → Outperform $50
2022-04-12 up Raymond James Market Perform → Outperform $49
2016-07-28 main Keefe, Bruyette & Woods — → Market Perform $37
News
RSS: Latest THFF news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-02 FRANKLIN MARK ALLEN Officer — 2,209 $64.60 $142,701
2026-02-09 LOWERY NORMAN D Chief Executive Officer — 9,414 $0.00 $0
2026-02-09 MCHARGUE RODGER ALLEN Chief Financial Officer — 2,961 $0.00 $0
2026-02-09 FRANKLIN MARK ALLEN Officer — 2,143 $0.00 $0
2026-02-09 PANAGOULEAS STEPHEN P Officer — 2,129 $0.00 $0
2025-12-04 JENSEN SUSAN M. Director — 28 $60.23 $1,686
2025-06-30 RAHE MARIBETH S Director — 626 $54.19 $33,923
2025-06-10 JENSEN SUSAN M. Director — 148 $56.89 $8,420
2025-06-02 JENSEN SUSAN M. Director — 33 $51.36 $1,695
2025-04-30 BLADE MARK JASON SR Director — 202 $49.09 $9,916
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
261.84
+20.24%
217.76
+3.71%
209.96
-0.85%
211.76
Operating Revenue
261.84
+20.24%
217.76
+3.71%
209.96
-0.85%
211.76
Selling General And Administration
81.98
+5.99%
77.34
+8.28%
71.43
+5.23%
67.88
General And Administrative Expense
81.98
+5.99%
77.34
+8.28%
71.43
+5.23%
67.88
Salaries And Wages
79.13
+6.14%
74.56
+8.80%
68.53
+4.53%
65.56
Reconciled Depreciation
12.22
+22.86%
9.95
+52.31%
6.53
+6.86%
6.11
Net Income
79.21
+67.55%
47.27
-22.08%
60.67
-14.68%
71.11
Pretax Income
98.71
+72.72%
57.15
-21.16%
72.49
-17.40%
87.76
Net Interest Income
219.87
+25.65%
174.99
+4.62%
167.26
+1.35%
165.04
Interest Expense
85.72
-4.50%
89.76
+46.82%
61.13
+234.82%
18.26
Interest Income
305.59
+15.43%
264.74
+15.91%
228.40
+24.60%
183.30
Gain On Sale Of Security
-4.60
-4566.02%
0.10
+10400.00%
-0.00
-133.33%
0.00
Tax Provision
19.51
+97.45%
9.88
-16.43%
11.82
-29.01%
16.65
Tax Rate For Calcs
0.00
+14.32%
0.00
+6.04%
0.00
-14.09%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
79.21
+67.55%
47.27
-22.08%
60.67
-14.68%
71.11
Net Income From Continuing Operation Net Minority Interest
79.21
+67.55%
47.27
-22.08%
60.67
-14.68%
71.11
Net Income From Continuing And Discontinued Operation
79.21
+67.55%
47.27
-22.08%
60.67
-14.68%
71.11
Net Income Continuous Operations
79.21
+67.55%
47.27
-22.08%
60.67
-14.68%
71.11
Normalized Income
79.21
+67.55%
47.27
-22.08%
60.67
-14.68%
71.11
Net Income Common Stockholders
79.21
+67.55%
47.27
-22.08%
60.67
-14.68%
71.11
Diluted EPS
—
4.00
-21.26%
5.08
-12.71%
5.82
Basic EPS
—
4.00
-21.26%
5.08
-12.71%
5.82
Basic Average Shares
—
11.81
-1.05%
11.94
-2.24%
12.21
Diluted Average Shares
—
11.81
-1.05%
11.94
-2.24%
12.21
Diluted NI Availto Com Stockholders
79.21
+67.55%
47.27
-22.08%
60.67
-14.68%
71.11
Insurance And Claims
2.85
+2.04%
2.79
-4.09%
2.91
+24.92%
2.33
Occupancy And Equipment
29.45
+8.18%
27.23
+16.50%
23.37
+5.49%
22.16
Other Non Interest Expense
43.49
+9.10%
39.87
+12.70%
35.37
-1.70%
35.99
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
5,756.13
+3.52%
5,560.35
+14.62%
4,851.15
-2.77%
4,989.28
Cash And Cash Equivalents
130.37
+39.39%
93.53
+21.84%
76.76
-65.50%
222.52
Other Short Term Investments
694.96
-41.89%
1,195.99
-5.02%
1,259.14
-5.36%
1,330.48
Receivables
27.76
+3.07%
26.93
+8.27%
24.88
+16.86%
21.29
Accounts Receivable
27.76
+3.07%
26.93
+8.27%
24.88
+16.86%
21.29
Net PPE
78.58
-3.59%
81.51
+21.14%
67.29
+1.72%
66.15
Gross PPE
146.35
-0.25%
146.71
+6.51%
137.75
+2.13%
134.87
Accumulated Depreciation
-67.77
-3.93%
-65.21
+7.46%
-70.46
-2.53%
-68.72
Land And Improvements
20.45
-0.48%
20.55
+18.23%
17.38
-2.85%
17.89
Buildings And Improvements
77.58
+0.43%
77.25
+13.32%
68.17
-3.05%
70.31
Machinery Furniture Equipment
48.33
-1.21%
48.92
-6.29%
52.20
+11.85%
46.67
Other Properties
—
—
—
—
Goodwill And Other Intangible Assets
114.46
-5.85%
121.57
+31.33%
92.57
-1.20%
93.70
Goodwill
98.23
-1.80%
100.03
+14.99%
86.98
+0.00%
86.98
Other Intangible Assets
16.23
-24.65%
21.55
+285.70%
5.59
-16.80%
6.71
Investments And Advances
1,149.53
-3.88%
1,195.99
-5.02%
1,259.14
-5.36%
1,330.48
Total Liabilities Net Minority Interest
5,105.26
+1.87%
5,011.31
+15.92%
4,323.17
-4.23%
4,513.99
Long Term Debt And Capital Lease Obligation
188.21
+569.30%
28.12
-74.10%
108.58
+1032.31%
9.59
Long Term Debt
188.21
+569.30%
28.12
-74.10%
108.58
+1032.31%
9.59
Long Term Capital Lease Obligation
—
—
—
—
Stockholders Equity
650.87
+18.55%
549.04
+3.99%
527.98
+11.08%
475.29
Common Stock Equity
650.87
+18.55%
549.04
+3.99%
527.98
+11.08%
475.29
Capital Stock
2.02
+0.15%
2.02
+0.20%
2.01
+0.10%
2.01
Common Stock
2.02
+0.15%
2.02
+0.20%
2.01
+0.10%
2.01
Share Issued
16.19
+0.16%
16.17
+0.17%
16.14
+0.14%
16.11
Ordinary Shares Number
11.88
+0.32%
11.84
+0.40%
11.80
-2.13%
12.05
Treasury Shares Number
4.31
-0.30%
4.32
-0.45%
4.34
+6.87%
4.06
Additional Paid In Capital
147.44
+1.04%
145.93
+1.23%
144.15
+0.68%
143.19
Retained Earnings
741.79
+7.92%
687.37
+3.56%
663.73
+7.95%
614.83
Gains Losses Not Affecting Retained Earnings
-86.68
+34.47%
-132.28
-4.09%
-127.09
+9.21%
-139.97
Treasury Stock
153.71
-0.18%
153.99
-0.55%
154.83
+6.96%
144.76
Other Equity Adjustments
-86.68
+34.47%
-132.28
-4.09%
-127.09
+9.21%
-139.97
Total Equity Gross Minority Interest
650.87
+18.55%
549.04
+3.99%
527.98
+11.08%
475.29
Total Capitalization
839.08
+45.38%
577.16
-9.33%
636.55
+31.28%
484.88
Invested Capital
839.08
+45.38%
577.16
-9.33%
636.55
+31.28%
484.88
Total Debt
188.21
+569.30%
28.12
-74.10%
108.58
+1032.31%
9.59
Net Debt
57.84
—
31.82
—
Capital Lease Obligations
—
—
—
—
Net Tangible Assets
536.41
+25.48%
427.47
-1.82%
435.40
+14.10%
381.59
Tangible Book Value
536.41
+25.48%
427.47
-1.82%
435.40
+14.10%
381.59
Available For Sale Securities
454.57
-3.25%
469.85
—
—
Cash Cash Equivalents And Federal Funds Sold
149.38
+33.49%
111.90
+21.10%
92.41
-62.63%
247.27
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
90.41
+49.76%
60.37
-29.88%
86.09
+9.27%
78.79
Cash Flow From Continuing Operating Activities
90.41
+49.76%
60.37
-29.88%
86.09
+9.27%
78.79
Net Income From Continuing Operations
79.21
+67.55%
47.27
-22.08%
60.67
-14.68%
71.11
Depreciation Amortization Depletion
12.22
+22.86%
9.95
+52.31%
6.53
+6.86%
6.11
Depreciation And Amortization
12.22
+22.86%
9.95
+52.31%
6.53
+6.86%
6.11
Other Non Cash Items
-17.25
+16.06%
-20.55
-324.58%
9.15
+115.07%
4.25
Stock Based Compensation
2.59
-13.57%
3.00
+24.29%
2.41
+6.02%
2.28
Deferred Tax
-0.79
-123.96%
3.28
+794.92%
-0.47
+85.02%
-3.15
Deferred Income Tax
-0.79
-123.96%
3.28
+794.92%
-0.47
+85.02%
-3.15
Operating Gains Losses
3.15
+350.56%
-1.26
-30.16%
-0.96
+51.68%
-2.00
Gain Loss On Investment Securities
4.60
+4566.02%
-0.10
-10400.00%
0.00
+133.33%
-0.00
Change In Working Capital
-0.83
+59.75%
-2.06
+42.69%
-3.59
+17.34%
-4.34
Change In Receivables
-0.83
+59.75%
-2.06
+42.69%
-3.59
+17.34%
-4.34
Changes In Account Receivables
-0.83
+59.75%
-2.06
+42.69%
-3.59
+17.34%
-4.34
Investing Cash Flow
-126.16
-90.80%
-66.12
-199.21%
-22.10
+94.90%
-433.69
Cash Flow From Continuing Investing Activities
-126.16
-90.80%
-66.12
-199.21%
-22.10
+94.90%
-433.69
Net PPE Purchase And Sale
-3.98
+34.79%
-6.11
+6.62%
-6.54
-358.70%
-1.43
Purchase Of PPE
-3.98
+34.79%
-6.11
+6.62%
-6.54
-358.70%
-1.43
Capital Expenditure
-3.98
+34.79%
-6.11
+6.62%
-6.54
-358.70%
-1.43
Net Investment Purchase And Sale
95.55
-22.69%
123.59
+52.43%
81.08
+148.96%
-165.60
Purchase Of Investment
-109.50
-173.08%
-40.10
-31.64%
-30.46
+91.18%
-345.20
Sale Of Investment
205.05
+25.27%
163.69
+46.76%
111.54
-37.89%
179.60
Net Business Purchase And Sale
0.00
-100.00%
28.15
0.00
0.00
Net Other Investing Changes
-0.47
+56.65%
-1.07
-457.14%
0.30
-72.83%
1.11
Financing Cash Flow
72.59
+222.36%
22.52
+110.74%
-209.75
-89.63%
-110.61
Cash Flow From Continuing Financing Activities
72.59
+222.36%
22.52
+110.74%
-209.75
-89.63%
-110.61
Net Issuance Payments Of Debt
265.34
+606.03%
37.58
-60.58%
95.35
+429.91%
-28.90
Issuance Of Debt
2,850.00
+86.89%
1,525.00
-26.68%
2,080.00
0.00
Repayment Of Debt
-2,690.07
-67.37%
-1,607.25
+18.87%
-1,981.00
-30843.46%
-6.40
Long Term Debt Issuance
2,850.00
+86.89%
1,525.00
-26.68%
2,080.00
0.00
Long Term Debt Payments
-2,690.07
-67.37%
-1,607.25
+18.87%
-1,981.00
-30843.46%
-6.40
Net Long Term Debt Issuance
159.93
+294.43%
-82.25
-183.08%
99.00
+1646.39%
-6.40
Net Short Term Debt Issuance
105.41
-12.04%
119.84
+3379.58%
-3.65
+83.76%
-22.50
Net Common Stock Issuance
-0.80
-111.44%
-0.38
+96.73%
-11.51
+58.43%
-27.70
Common Stock Payments
-0.80
-111.44%
-0.38
+96.73%
-11.51
+58.43%
-27.70
Common Stock Dividend Paid
-24.16
-13.72%
-21.25
-38.13%
-15.38
-6.39%
-14.46
Cash Dividends Paid
-24.16
-13.72%
-21.25
-38.13%
-15.38
-6.39%
-14.46
Repurchase Of Capital Stock
-0.80
-111.44%
-0.38
+96.73%
-11.51
+58.43%
-27.70
Changes In Cash
36.84
+119.74%
16.77
+111.50%
-145.76
+68.69%
-465.51
Beginning Cash Position
93.53
+21.84%
76.76
-65.50%
222.52
-67.66%
688.03
End Cash Position
130.37
+39.39%
93.53
+21.84%
76.76
-65.50%
222.52
Free Cash Flow
86.42
+59.28%
54.26
-31.79%
79.55
+2.83%
77.36
Interest Paid Supplemental Data
86.44
-2.38%
88.55
+50.00%
59.03
+219.73%
18.46
Income Tax Paid Supplemental Data
13.13
+25.29%
10.48
-7.67%
11.35
-16.08%
13.53
Amortization Of Securities
—
—
—
—
Sale Of Business
0.00
-100.00%
28.15
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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