Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
First Financial Corporation's quarterly P/E stands at 9.5x, up 19.8% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 221.0% YoY to 22.5x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.63 | 9.46 | 8.35 | 8.06 | 8.63 | 7.90 | 8.37 | 14.81 | 9.60 | 10.30 | 10.15 | 6.17 | 6.10 |
| — | +19.8% | -0.3% | -45.6% | -10.2% | -23.3% | -17.5% | +140.1% | +57.4% | +46.3% | +19.8% | -18.1% | -30.3% | |
| P/S Ratio | 2.83 | 2.41 | 2.54 | 1.90 | 1.90 | 1.74 | 1.60 | 1.56 | 1.54 | 1.64 | 1.83 | 1.43 | 1.46 |
| — | +38.8% | +58.3% | +22.0% | +23.2% | +5.6% | -12.6% | +9.2% | +5.3% | -6.8% | -17.6% | -36.5% | -42.6% | |
| P/B Ratio | 1.41 | 1.15 | 1.10 | 1.07 | 1.09 | 1.01 | 0.99 | 0.91 | 0.82 | 0.87 | 0.97 | 0.86 | 0.79 |
| — | +13.0% | +10.7% | +17.5% | +33.1% | +16.7% | +2.1% | +6.9% | +4.5% | -2.8% | -17.3% | -30.9% | -33.5% | |
| P/FCF | 10.69 | 8.56 | 6.26 | 5.86 | 13.86 | 7.08 | 9.21 | 6.63 | 12.91 | 9.86 | 6.89 | 3.76 | 7.16 |
| — | +21.0% | -32.0% | -11.6% | +7.4% | -28.2% | +33.6% | +76.4% | +80.2% | +78.9% | +12.1% | -46.4% | -38.0% | |
| EV / EBITDA | 11.74 | 22.45 | 8.85 | 8.23 | 7.85 | 6.99 | 7.15 | 10.10 | 8.33 | 8.97 | 9.74 | 6.50 | 6.75 |
| — | +221.0% | +23.9% | -18.6% | -5.8% | -22.1% | -26.6% | +55.5% | +23.3% | +48.3% | +91.4% | +100.2% | +142.1% | |
| EV / EBIT | 12.82 | 22.45 | 9.87 | 9.07 | 8.95 | 7.95 | 8.33 | 13.31 | 9.34 | 10.10 | 10.86 | 7.06 | 7.33 |
| — | +182.3% | +18.5% | -31.9% | -4.2% | -21.3% | -23.3% | +88.7% | +27.4% | +54.5% | +98.0% | +103.7% | +143.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
First Financial Corporation's operating margin was 17.3% in Q1 2026, down 20.9 pp QoQ and down 11.1 pp YoY. The trailing four-quarter average of 28.0% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 77.7% | 73.0% | 96.6% | 72.7% | 72.3% | 72.5% | 70.3% | 59.1% | 65.4% | 67.6% | 69.1% | 73.3% | 76.2% |
| — | +0.8% | +37.4% | +23.0% | +10.5% | +7.1% | +1.8% | -19.4% | -14.2% | -16.5% | -15.8% | -18.3% | -18.4% | |
| Operating Margin | 30.4% | 17.3% | 38.3% | 29.3% | 27.0% | 28.5% | 23.5% | 12.6% | 19.2% | 19.1% | 20.1% | 27.5% | 29.2% |
| — | -39.1% | +62.7% | +133.2% | +40.5% | +49.2% | +16.8% | -54.2% | -34.3% | -37.6% | -33.5% | -26.9% | -19.1% | |
| Net Margin | 24.3% | 25.4% | 30.4% | 23.6% | 22.0% | 22.0% | 19.1% | 10.5% | 16.1% | 15.9% | 17.7% | 23.1% | 24.0% |
| — | +15.3% | +59.3% | +124.3% | +36.6% | +38.8% | +7.6% | -54.5% | -32.9% | -36.4% | -32.6% | -22.6% | -17.9% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.2% | 3.0% | 3.4% | 3.4% | 3.2% | 3.3% | 2.9% | 1.6% | 2.2% | 2.1% | 2.5% | 3.4% | 3.2% |
| — | -7.7% | +15.7% | +115.3% | +48.2% | +57.6% | +17.1% | -52.7% | -32.2% | -36.1% | -31.2% | -16.0% | +0.8% | |
| ROA | 1.4% | 0.3% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% |
| — | +0.6% | +27.7% | +118.6% | +42.8% | +47.2% | +14.1% | -50.0% | -28.9% | -30.6% | -22.0% | -6.5% | +6.2% | |
| ROIC | 7.9% | 0.9% | 1.9% | 2.1% | 2.0% | 2.2% | 2.1% | 1.2% | 1.5% | 1.4% | 1.5% | 2.0% | 2.1% |
| — | -61.3% | -7.5% | +82.8% | +33.5% | +55.4% | +36.7% | -42.4% | -27.0% | -41.2% | -41.7% | -35.4% | -14.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
First Financial Corporation's Debt/EBITDA ratio is 41.4x, up from 16.0x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 31.6% YoY to 0.36x, strengthening the short-term liquidity position. Debt/Equity has risen for 7 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.74 | 0.85 | 0.74 | 0.57 | 0.46 | 0.46 | 0.39 | 0.20 | 0.28 | 0.28 | 0.33 | 0.46 | 0.53 |
| — | +85.7% | +88.4% | +179.6% | +67.4% | +62.1% | +17.7% | -56.1% | -47.8% | -0.0% | +96.7% | +105.0% | +144.3% | |
| Debt / EBITDA | 4.43 | 41.36 | 15.96 | 12.43 | 10.45 | 9.71 | 9.22 | 8.36 | 9.63 | 9.97 | 11.18 | 10.37 | 12.45 |
| — | +326.0% | +73.1% | +48.8% | +8.5% | -2.6% | -17.5% | -19.4% | -22.6% | +47.5% | +184.8% | +153.7% | +159.6% | |
| Current Ratio | 0.18 | 0.36 | 0.18 | 0.17 | 0.17 | 0.27 | 0.17 | 0.29 | 0.31 | 0.31 | 0.33 | 0.32 | 0.33 |
| — | +31.6% | +2.0% | -39.8% | -44.4% | -13.3% | -47.2% | -9.6% | -6.5% | -7.4% | -7.7% | -15.2% | -15.4% | |
| Quick Ratio | 0.18 | 0.36 | 0.18 | 0.17 | 0.17 | 0.27 | 0.17 | 0.29 | 0.31 | 0.31 | 0.33 | 0.32 | 0.33 |
| — | +31.6% | +2.0% | -39.8% | -44.4% | -13.3% | -47.2% | -9.6% | -6.5% | -7.4% | -7.7% | -15.2% | -15.4% | |
| Interest Coverage | 1.31 | 0.64 | 2.41 | 1.17 | 1.06 | 1.13 | 0.86 | 0.43 | 0.63 | 0.64 | 0.74 | 1.10 | 1.39 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying THFF stock.
First Financial Corporation's current P/E is 11.6x. The average P/E over the last 4 quarters is 8.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
First Financial Corporation's current operating margin is 30.4%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking First Financial Corporation's business trajectory between earnings reports.