8-K Announcements
6Apr 28, 2026·SEC
Apr 15, 2026·SEC
Mar 20, 2026·SEC
First Financial Corporation (THFF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
First Financial Corporation (THFF) stock price & volume — 10-year historical chart
First Financial Corporation (THFF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
First Financial Corporation (THFF) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $1.67vs $1.64+1.8% | $68Mvs $70M-2.0% |
| Q1 2026 | Feb 3, 2026 | $1.81vs $1.69+7.1% | $71Mvs $68M+3.6% |
| Q4 2025 | Oct 28, 2025 | $1.75vs $1.61+8.7% | $66Mvs $68M-3.2% |
| Q3 2025 | Jul 22, 2025 | $1.57vs $1.43+9.8% | $63Mvs $65M-3.2% |
First Financial Corporation (THFF) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
First Financial Corporation (THFF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
First Financial Corporation (THFF) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 107.86M | 116.58M | 131.65M | 146.35M | 143.4M | 165.04M | 167.26M | 174.99M | 219.85M |
| NII Growth % | 2.75% | 8.09% | 12.93% | 11.16% | -2.01% | 15.09% | 1.35% | 4.62% | 25.64% |
| Net Interest Margin % | 3.59% | 3.87% | 3.27% | 3.21% | 2.77% | 3.31% | 3.45% | 3.15% | 3.82% |
| Interest Income | 114.19M | 126.22M | 149.12M | 160.49M | 152.2M | 183.3M | 228.4M | 264.74M | 295.65M |
| Interest Expense | 6.34M | 9.64M | 17.47M | 14.14M | 8.8M | 18.26M | 61.13M | 89.76M | 75.8M |
| Loan Loss Provision | 5.29M | 5.77M | 4.7M | 10.53M | 2.47M | -2.02M | 7.29M | 16.17M | -2.95M |
| Non-Interest Income | 35.94M | 38.21M | 38.45M | 42.48M | 42.08M | 46.72M | 42.7M | 42.77M | 30.79M |
| Non-Interest Income % | 23.94% | 23.24% | 20.5% | 20.93% | 21.66% | 20.31% | 15.75% | 13.91% | 9.43% |
| Total Revenue | 150.13M▲ 0% | 164.43M▲ 9.5% | 187.57M▲ 14.1% | 202.96M▲ 8.2% | 194.28M▼ 4.3% | 230.02M▲ 18.4% | 271.1M▲ 17.9% | 307.51M▲ 13.4% | 326.44M▲ 6.2% |
| Revenue Growth % | -3.95% | 9.52% | 14.07% | 8.2% | -4.28% | 18.39% | 17.86% | 13.43% | 6.16% |
| Non-Interest Expense | 88.75M | 91.29M | 104.41M | 112.76M | 117.41M | 126.02M | 130.18M | 144.44M | 154.23M |
| Efficiency Ratio | 59.11% | 55.52% | 55.66% | 55.56% | 60.43% | 54.79% | 48.02% | 46.97% | 47.25% |
| Operating Income | 49.75M▲ 0% | 57.73M▲ 16.0% | 61M▲ 5.7% | 65.54M▲ 7.4% | 65.61M▲ 0.1% | 87.76M▲ 33.8% | 72.49M▼ 17.4% | 57.15M▼ 21.2% | 99.36M▲ 73.8% |
| Operating Margin % | 33.14% | 35.11% | 32.52% | 32.29% | 33.77% | 38.15% | 26.74% | 18.59% | 30.44% |
| Operating Income Growth % | -14.65% | 16.03% | 5.67% | 7.44% | 0.12% | 33.75% | -17.4% | -21.16% | 73.84% |
| Pretax Income | 49.75M▲ 0% | 57.73M▲ 16.0% | 61M▲ 5.7% | 65.54M▲ 7.4% | 65.61M▲ 0.1% | 87.76M▲ 33.8% | 72.49M▼ 17.4% | 57.15M▼ 21.2% | 99.36M▲ 73.8% |
| Pretax Margin % | 33.14% | 35.11% | 32.52% | 32.29% | 33.77% | 38.15% | 26.74% | 18.59% | 30.44% |
| Income Tax | 20.62M | 11.14M | 12.13M | 11.69M | 12.63M | 16.65M | 11.82M | 9.88M | 20.15M |
| Effective Tax Rate % | 41.45% | 19.31% | 19.88% | 17.84% | 19.24% | 18.97% | 16.31% | 17.28% | 20.28% |
| Net Income | 29.13M▲ 0% | 46.58M▲ 59.9% | 48.87M▲ 4.9% | 53.84M▲ 10.2% | 52.99M▼ 1.6% | 71.11M▲ 34.2% | 60.67M▼ 14.7% | 47.27M▼ 22.1% | 79.21M▲ 67.5% |
| Net Margin % | 19.4% | 28.33% | 26.05% | 26.53% | 27.27% | 30.91% | 22.38% | 15.37% | 24.26% |
| Net Income Growth % | -24.16% | 59.91% | 4.91% | 10.17% | -1.59% | 34.2% | -14.68% | -22.08% | 67.55% |
| Net Income (Continuing) | 29.13M | 46.58M | 48.87M | 53.84M | 52.99M | 71.11M | 60.67M | 47.27M | 79.21M |
| EPS (Diluted) | 2.38▲ 0% | 3.80▲ 59.7% | 3.80▲ 0.0% | 3.93▲ 3.4% | 4.02▲ 2.3% | 5.82▲ 44.8% | 5.08▼ 12.7% | 4.00▼ 21.3% | 6.68▲ 67.0% |
| EPS Growth % | -23.72% | 59.66% | 0% | 3.42% | 2.29% | 44.78% | -12.71% | -21.26% | 67% |
| EPS (Basic) | 2.38 | 3.80 | 3.80 | 3.93 | 4.02 | 5.82 | 5.08 | 4.00 | 6.68 |
| Diluted Shares Outstanding | 12.22M | 12.26M | 12.87M | 13.72M | 13.19M | 12.21M | 11.94M | 11.81M | 11.85M |
First Financial Corporation (THFF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 889.04M | 859.3M | 1.05B | 1.68B | 2.05B | 1.55B | 1.34B | 820.49M | 825.32M |
| Cash & Due from Banks | 74.11M | 74.39M | 127.43M | 657.47M | 688.03M | 222.52M | 76.76M | 93.53M | 130.37M |
| Short Term Investments | 814.93M | 784.92M | 926.72M | 1.02B | 1.36B | 1.33B | 1.26B | 726.96M | 694.96M |
| Total Investments | 2.7B | 2.72B | 3.56B | 3.59B | 4.13B | 4.36B | 4.39B | 5.03B | 5.16B |
| Investments Growth % | 1.03% | 0.62% | 31.07% | 0.67% | 15.06% | 5.6% | 0.67% | 14.62% | 2.55% |
| Long-Term Investments | 1.89B | 1.93B | 2.64B | 2.57B | 2.77B | 3.03B | 3.13B | 4.3B | 4.46B |
| Accounts Receivables | 12.91M | 13.97M | 18.52M | 16.96M | 16.95M | 21.29M | 24.88M | 26.93M | 27.76M |
| Goodwill & Intangibles | 35.98M | 35.55M | 90.67M | 89.17M | 94.16M | 93.7M | 92.57M | 121.57M | 114.46M |
| Goodwill | 34.35M | 34.35M | 78.59M | 78.59M | 86.14M | 86.98M | 86.98M | 100.03M | 98.23M |
| Intangible Assets | 1.63M | 1.2M | 12.08M | 10.57M | 8.02M | 6.71M | 5.59M | 21.55M | 16.23M |
| PP&E (Net) | 48.27M | 46.55M | 62.58M | 62.06M | 69.52M | 66.15M | 67.29M | 89.23M | 78.58M |
| Other Assets | 127.61M | 119.79M | 160.89M | 147.9M | 179.34M | 227.49M | 202.46M | 200.48M | 248.12M |
| Total Current Assets | 901.95M | 873.27M | 1.07B | 1.7B | 2.06B | 1.57B | 1.36B | 847.42M | 853.09M |
| Total Non-Current Assets | 2.1B | 2.14B | 2.95B | 2.87B | 3.11B | 3.41B | 3.49B | 4.71B | 4.9B |
| Total Assets | 3B▲ 0% | 3.01B▲ 0.3% | 4.02B▲ 33.7% | 4.56B▲ 13.4% | 5.18B▲ 13.5% | 4.99B▼ 3.6% | 4.85B▼ 2.8% | 5.56B▲ 14.6% | 5.76B▲ 3.5% |
| Asset Growth % | 0.41% | 0.27% | 33.72% | 13.35% | 13.48% | -3.59% | -2.77% | 14.62% | 3.52% |
| Return on Assets (ROA) | 0.97% | 1.55% | 1.39% | 1.25% | 1.09% | 1.4% | 1.23% | 0.91% | 1.4% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 115.37M | 69.66M | 111.09M | 127.72M | 115.53M | 80.46M | 175.8M | 215.18M | 480.68M |
| Net Debt | 41.27M | -4.73M | -16.33M | -529.75M | -572.5M | -142.05M | 99.04M | 121.65M | 350.31M |
| Long-Term Debt | 0 | 0 | 30.97M | 5.86M | 15.94M | 9.59M | 108.58M | 28.12M | 188.21M |
| Short-Term Debt | 115.37M | 69.66M | 80.12M | 116.06M | 93.37M | 70.88M | 67.22M | 187.06M | 292.47M |
| Other Liabilities | 13.07M | 59.63M | 79.19M | 79.86M | 67.42M | 64.65M | 57.3M | 77.22M | 73.47M |
| Total Current Liabilities | 2.57B | 2.51B | 3.36B | 3.87B | 4.5B | 4.44B | 4.16B | 4.91B | 4.84B |
| Total Non-Current Liabilities | 13.07M | 59.63M | 110.17M | 91.52M | 89.58M | 74.24M | 165.88M | 105.34M | 261.68M |
| Total Liabilities | 2.59B | 2.57B | 3.47B | 3.96B | 4.59B | 4.51B | 4.32B | 5.01B | 5.11B |
| Total Equity | 413.57M▲ 0% | 442.7M▲ 7.0% | 557.61M▲ 26.0% | 596.99M▲ 7.1% | 582.58M▼ 2.4% | 475.29M▼ 18.4% | 527.98M▲ 11.1% | 549.04M▲ 4.0% | 650.87M▲ 18.5% |
| Equity Growth % | -0.2% | 7.04% | 25.96% | 7.06% | -2.41% | -18.42% | 11.08% | 3.99% | 18.55% |
| Equity / Assets (Capital Ratio) | 13.78% | 14.71% | 13.86% | 13.09% | 11.26% | 9.53% | 10.88% | 9.87% | 11.31% |
| Return on Equity (ROE) | 7.04% | 10.88% | 9.77% | 9.33% | 8.98% | 13.44% | 12.09% | 8.78% | 13.2% |
| Book Value per Share | 33.83 | 36.12 | 43.34 | 43.53 | 44.17 | 38.92 | 44.23 | 46.48 | 54.91 |
| Tangible BV per Share | 30.89 | 33.22 | 36.30 | 37.02 | 37.03 | 31.25 | 36.48 | 36.19 | 45.25 |
| Common Stock | 1.82M | 1.82M | 2M | 2.01M | 2.01M | 2.01M | 2.01M | 2.02M | 2.02M |
| Additional Paid-in Capital | 75.62M | 76.77M | 139.69M | 140.82M | 141.98M | 143.19M | 144.15M | 145.93M | 147.44M |
| Retained Earnings | 420.27M | 456.72M | 492.06M | 521.1M | 559.14M | 614.83M | 663.73M | 687.37M | 741.79M |
| Accumulated OCI | -14.7M | -23.45M | -7.5M | 9.76M | -2.43M | -139.97M | -127.09M | -132.28M | -86.68M |
| Treasury Stock | -69.45M | -69.16M | -68.64M | -76.7M | -118.13M | -144.76M | -154.83M | -153.99M | -153.71M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
First Financial Corporation (THFF) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 50.13M | 57.45M | 49.9M | 77.42M | 55.07M | 78.79M | 86.09M | 60.37M | 90.41M |
| Operating CF Growth % | 21.71% | 14.59% | -13.14% | 55.16% | -28.88% | 43.07% | 9.27% | -29.88% | 49.76% |
| Net Income | 29.13M | 46.58M | 48.87M | 53.84M | 52.99M | 71.11M | 60.67M | 47.27M | 79.21M |
| Depreciation & Amortization | 4.43M | 4.16M | 4.82M | 6.1M | 6.15M | 6.11M | 6.53M | 9.95M | 0 |
| Deferred Taxes | -4.24M | -2.43M | -2.84M | -3.77M | -1.57M | -3.15M | -472K | 3.28M | 0 |
| Other Non-Cash Items | 19.65M | 8.35M | -2.1M | 17.39M | -5.7M | 6.78M | 20.54M | -1.08M | 12.03M |
| Working Capital Changes | -602K | -1.06M | -903K | 1.57M | 982K | -4.34M | -3.59M | -2.06M | -828K |
| Cash from Investing | -26.67M | -34.32M | -32.87M | -16.25M | -312.16M | -433.69M | -22.1M | -66.12M | -126.16M |
| Purchase of Investments | -111.14M | -124.33M | -129.47M | -366M | -589.8M | -345.2M | -30.46M | -40.1M | 0 |
| Sale/Maturity of Investments | 151.56M | 143.16M | 185.02M | 288.79M | 271.58M | 179.6M | 111.54M | 163.69M | 0 |
| Net Investment Activity | 40.42M | 18.82M | 55.56M | -77.21M | -318.22M | -165.6M | 81.08M | 123.59M | 0 |
| Acquisitions | 0 | 0 | -32.83M | 0 | -23.09M | 0 | 0 | 28.15M | 0 |
| Other Investing | -64.11M | -51.13M | -54.49M | 64.87M | 32.99M | -266.66M | -96.64M | -211.76M | -126.16M |
| Cash from Financing | -24.37M | -22.84M | 36M | 468.87M | 287.65M | -110.61M | -209.75M | 22.52M | 72.59M |
| Dividends Paid | -30.56M | -12.5M | -12.65M | -14.27M | -14.18M | -14.46M | -15.38M | -21.25M | -24.16M |
| Share Repurchases | -503K | -391K | -315K | -9.22M | -42.47M | -27.7M | -11.51M | -376K | -795K |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -503K | -391K | -315K | -9.22M | -42.47M | -27.7M | -11.51M | -376K | -795K |
| Debt Issuance (Net) | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K |
| Other Financing | 30.12M | -21.93M | 104.11M | 481.73M | 367.99M | -39.55M | -278.2M | 6.56M | -167.78M |
| Net Change in Cash | -905K▲ 0% | 281K▲ 131.0% | 53.04M▲ 18774.7% | 530.04M▲ 899.4% | 30.56M▼ 94.2% | -465.51M▼ 1623.4% | -145.76M▲ 68.7% | 16.77M▲ 111.5% | 36.84M▲ 119.7% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 75.01M | 74.11M | 74.39M | 127.43M | 657.47M | 688.03M | 222.52M | 76.76M | 93.53M |
| Cash at End | 74.11M | 74.39M | 127.43M | 657.47M | 688.03M | 222.52M | 76.76M | 93.53M | 130.37M |
| Interest Paid | 6.34M | 9.41M | 16.34M | 14.85M | 9.14M | 18.46M | 59.03M | 88.55M | 86.44M |
| Income Taxes Paid | 11.16M | 7.18M | 9.6M | 7.55M | 15.03M | 13.53M | 11.35M | 10.48M | 13.13M |
| Free Cash Flow | 47.16M▲ 0% | 55.44M▲ 17.6% | 48.8M▼ 12.0% | 73.52M▲ 50.7% | 51.23M▼ 30.3% | 77.36M▲ 51.0% | 79.55M▲ 2.8% | 54.26M▼ 31.8% | 85.28M▲ 57.2% |
| FCF Growth % | 23.63% | 17.56% | -11.97% | 50.66% | -30.31% | 51% | 2.83% | -31.79% | 57.18% |
First Financial Corporation (THFF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 9.32% | 7.04% | 10.88% | 9.77% | 9.33% | 8.98% | 13.44% | 12.09% | 8.78% | 13.2% |
| Return on Assets (ROA) | 1.29% | 0.97% | 1.55% | 1.39% | 1.25% | 1.09% | 1.4% | 1.23% | 0.91% | 1.4% |
| Net Interest Margin | 3.51% | 3.59% | 3.87% | 3.27% | 3.21% | 2.77% | 3.31% | 3.45% | 3.15% | 3.82% |
| Efficiency Ratio | 57.77% | 59.11% | 55.52% | 55.66% | 55.56% | 60.43% | 54.79% | 48.02% | 46.97% | 47.25% |
| Equity / Assets | 13.87% | 13.78% | 14.71% | 13.86% | 13.09% | 11.26% | 9.53% | 10.88% | 9.87% | 11.31% |
| Book Value / Share | 33.64 | 33.83 | 36.12 | 43.34 | 43.53 | 44.17 | 38.92 | 44.23 | 46.48 | 54.91 |
| NII Growth | 0.45% | 2.75% | 8.09% | 12.93% | 11.16% | -2.01% | 15.09% | 1.35% | 4.62% | 25.64% |
| Dividend Payout | 32.17% | 104.89% | 26.83% | 25.88% | 26.51% | 26.76% | 20.33% | 25.35% | 44.95% | 30.51% |
First Financial Corporation (THFF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 28, 2026·SEC
Apr 15, 2026·SEC
Mar 20, 2026·SEC
First Financial Corporation (THFF) stock FAQ — growth, dividends, profitability & financials explained
First Financial Corporation (THFF) grew revenue by 6.2% over the past year. This is steady growth.
Yes, First Financial Corporation (THFF) is profitable, generating $79.2M in net income for fiscal year 2025 (24.3% net margin).
Yes, First Financial Corporation (THFF) pays a dividend with a yield of 3.01%. This makes it attractive for income-focused investors.
First Financial Corporation (THFF) has a return on equity (ROE) of 13.2%. This is reasonable for most industries.
First Financial Corporation (THFF) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.
First Financial Corporation (THFF) has an efficiency ratio of 47.2%. This is excellent, indicating strong cost control.
First Financial Corporation (THFF) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates