First Financial Financials

THFF Stock  USD 65.16  1.46  2.29%   
First Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, First Financial's Other Current Liabilities is most likely to increase significantly in the upcoming years. The First Financial's current Total Current Liabilities is estimated to increase to about 5.9 B, while Net Debt is projected to decrease to roughly 102.8 M.
 
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First Financial Balance Sheet Chart

At this time, First Financial's Other Current Liabilities is most likely to increase significantly in the upcoming years. The First Financial's current Total Current Liabilities is estimated to increase to about 5.9 B, while Net Debt is projected to decrease to roughly 102.8 M.
Key indicators impacting First Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.140.1537
Significantly Down
Very volatile
Return On Assets0.0090.0077
Fairly Up
Pretty Stable
Return On Equity0.110.099
Significantly Up
Pretty Stable
Debt Equity Ratio0.430.45
Sufficiently Down
Slightly volatile
Operating Income44.1 M65.7 M
Way Down
Slightly volatile
Current Ratio0.140.16
Fairly Down
Pretty Stable
The essential information of the day-to-day investment outlook for First Financial includes many different criteria found on its balance sheet. An individual investor should monitor First Financial's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in First Financial.

Net Income

33.17 Million

  
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First Financial Stock Summary

First Financial competes with Great Southern, Orrstown Financial, Independent Bank, Camden National, and Southern California. First Financial Corporation, through its subsidiaries, provides various financial services. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana. First Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 883 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS3202181000
Business AddressOne First Financial
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.first-online.bank
Phone812 238 6000
CurrencyUSD - US Dollar

First Financial Key Financial Ratios

First Financial Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets5.2B5.0B4.9B5.6B6.4B6.7B
Other Current Liab4.4B4.4B4.1B4.7B5.4B5.7B
Net Debt(572.5M)(142.1M)99.0M121.7M109.5M102.8M
Retained Earnings559.1M614.8M663.7M687.4M790.5M830.0M
Cash688.0M222.5M76.8M93.5M107.6M127.0M
Other Assets1.6B3.5B3.3B4.0B4.6B4.9B
Net Receivables16.9M21.3M24.9M26.9M31.0M15.6M
Total Liab4.6B4.5B4.3B5.0B5.8B6.1B
Total Current Assets2.1B1.6B1.4B847.4M974.5M567.6M
Short Term Debt93.4M70.9M67.2M187.1M168.4M176.8M
Common Stock2.0M2.0M2.0M2.0M2.3M1.9M
Other Liab73.2M82.7M69.3M58.8M67.6M63.9M
Accounts Payable3.3B3.8B4.4B4.4B5.0B5.3B
Long Term Debt15.9M9.6M108.6M28.1M25.3M24.0M
Treasury Stock(68.6M)(76.7M)(118.1M)(144.8M)(130.3M)(123.8M)
Intangible Assets8.0M6.7M5.6M21.5M19.4M20.4M
Other Current Assets675.7M700.2M12K102.0M91.8M87.2M
Inventory(675.7M)(700.2M)337K51.9M46.7M49.0M
Net Tangible Assets468.4M509.4M488.4M381.6M438.8M437.6M
Capital Surpluse139.7M140.8M142.0M143.2M164.7M107.9M

First Financial Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense8.8M18.3M61.1M89.8M80.8M84.8M
Total Revenue194.3M230.0M271.1M307.5M353.6M371.3M
Gross Profit183.0M213.8M202.7M201.6M231.8M124.9M
Operating Income65.6M87.8M72.5M57.2M65.7M44.1M
Ebit65.6M87.8M72.5M57.2M65.7M44.1M
Ebitda71.8M93.9M79.0M67.1M77.2M48.4M
Cost Of Revenue11.3M16.2M68.4M105.9M95.3M100.1M
Income Before Tax65.6M87.8M72.5M57.2M65.7M44.1M
Net Income53.0M71.1M60.7M47.3M54.4M33.2M
Income Tax Expense12.6M16.7M11.8M9.9M11.4M10.9M
Tax Provision12.6M16.7M11.8M9.9M8.9M10.9M
Net Interest Income143.4M165.0M167.3M175.0M201.2M149.9M
Interest Income152.2M183.3M228.4M264.7M304.5M175.6M

First Financial Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash25.3M(465.5M)(145.8M)16.8M19.3M20.2M
Free Cash Flow51.2M77.4M79.5M54.3M62.4M41.4M
Depreciation6.2M6.1M6.5M9.9M11.4M12.0M
Other Non Cash Items(5.7M)6.8M20.5M(1.1M)(1.2M)(1.2M)
Dividends Paid14.2M14.5M15.4M21.2M24.4M25.7M
Capital Expenditures3.8M1.4M6.5M6.1M7.0M3.8M
Net Income53.0M71.1M60.7M47.3M54.4M33.2M
End Period Cash Flow682.8M222.5M76.8M93.5M107.6M140.5M
Investments(276.1M)(433.4M)(22.1M)(66.1M)(59.5M)(62.5M)
Change Receivables(903K)1.6M982K(4.3M)(3.9M)(3.7M)
Net Borrowings(23.7M)(28.9M)95.3M37.6M43.2M45.4M
Change To Netincome(7.7M)9.0M(13.4M)(639K)(575.1K)(546.3K)

First Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First Financial's current stock value. Our valuation model uses many indicators to compare First Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Financial competition to find correlations between indicators driving First Financial's intrinsic value. More Info.
First Financial is rated fifth in return on equity category among its peers. It also is rated fifth in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First Financial is roughly  9.37 . At this time, First Financial's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value First Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
Most indicators from First Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into First Financial current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in First Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price.
For more detail on how to invest in First Stock please use our How to Invest in First Financial guide.At this time, First Financial's Enterprise Value Multiple is most likely to slightly decrease in the upcoming years. The First Financial's current Enterprise Value is estimated to increase to about 543.1 M, while Selling General Administrative is projected to decrease to roughly 45.9 M.
 2023 2024 2025 2026 (projected)
Interest Expense61.1M89.8M80.8M84.8M
Depreciation And Amortization6.5M9.9M11.4M12.0M

First Financial fundamental ratios Correlations

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0.320.30.320.110.30.420.27-0.070.40.160.34-0.130.31-0.120.38-0.130.330.27-0.120.790.260.260.20.250.02
0.70.31.00.240.720.230.72-0.090.940.70.50.10.55-0.540.49-0.810.720.840.110.370.430.43-0.10.7-0.27
0.720.321.00.260.740.230.73-0.080.950.680.510.10.57-0.550.48-0.810.740.850.110.410.440.44-0.10.72-0.28
0.680.110.240.260.62-0.380.70.450.34-0.310.330.740.710.220.010.010.660.540.750.20.920.920.420.66-0.72
0.970.30.720.740.620.00.960.150.880.040.70.240.74-0.430.31-0.410.970.910.250.50.720.720.130.93-0.52
-0.140.420.230.23-0.380.0-0.03-0.930.250.48-0.02-0.750.04-0.430.32-0.39-0.13-0.07-0.740.26-0.13-0.13-0.12-0.20.19
0.970.270.720.730.70.96-0.030.170.850.040.660.370.78-0.380.27-0.480.970.910.380.450.790.790.140.95-0.59
0.31-0.07-0.09-0.080.450.15-0.930.17-0.08-0.430.170.760.090.39-0.190.340.30.210.760.040.250.250.210.35-0.21
0.840.40.940.950.340.880.250.85-0.080.470.660.020.69-0.630.45-0.730.860.910.030.530.510.51-0.070.82-0.29
-0.010.160.70.68-0.310.040.480.04-0.430.47-0.05-0.24-0.01-0.340.45-0.730.010.23-0.240.06-0.1-0.1-0.19-0.010.08
0.740.340.50.510.330.7-0.020.660.170.66-0.050.110.71-0.460.44-0.270.750.770.120.280.360.35-0.10.760.0
0.41-0.130.10.10.740.24-0.750.370.760.02-0.240.110.310.52-0.040.160.390.341.0-0.120.630.630.370.46-0.56
0.780.310.550.570.710.740.040.780.090.69-0.010.710.31-0.390.17-0.430.790.790.320.380.680.67-0.070.8-0.25
-0.35-0.12-0.54-0.550.22-0.43-0.43-0.380.39-0.63-0.34-0.460.52-0.390.00.72-0.38-0.50.51-0.370.160.160.61-0.37-0.33
0.290.380.490.480.010.310.320.27-0.190.450.450.44-0.040.170.0-0.170.30.36-0.04-0.070.220.220.280.27-0.04
-0.38-0.13-0.81-0.810.01-0.41-0.39-0.480.34-0.73-0.73-0.270.16-0.430.72-0.17-0.4-0.580.16-0.3-0.11-0.110.39-0.410.03
1.00.330.720.740.660.97-0.130.970.30.860.010.750.390.79-0.380.3-0.40.950.40.490.730.730.110.99-0.48
0.950.270.840.850.540.91-0.070.910.210.910.230.770.340.79-0.50.36-0.580.950.350.40.60.6-0.080.96-0.32
0.42-0.120.110.110.750.25-0.740.380.760.03-0.240.121.00.320.51-0.040.160.40.35-0.120.640.640.370.47-0.56
0.480.790.370.410.20.50.260.450.040.530.060.28-0.120.38-0.37-0.07-0.30.490.4-0.120.290.290.040.41-0.14
0.750.260.430.440.920.72-0.130.790.250.51-0.10.360.630.680.160.22-0.110.730.60.640.291.00.550.7-0.83
0.750.260.430.440.920.72-0.130.790.250.51-0.10.350.630.670.160.22-0.110.730.60.640.291.00.550.7-0.83
0.130.2-0.1-0.10.420.13-0.120.140.21-0.07-0.19-0.10.37-0.070.610.280.390.11-0.080.370.040.550.550.04-0.66
0.990.250.70.720.660.93-0.20.950.350.82-0.010.760.460.8-0.370.27-0.410.990.960.470.410.70.70.04-0.43
-0.510.02-0.27-0.28-0.72-0.520.19-0.59-0.21-0.290.080.0-0.56-0.25-0.33-0.040.03-0.48-0.32-0.56-0.14-0.83-0.83-0.66-0.43
Click cells to compare fundamentals

First Financial Account Relationship Matchups

First Financial fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets5.2B5.0B4.9B5.6B6.4B6.7B
Other Current Liab4.4B4.4B4.1B4.7B5.4B5.7B
Net Debt(572.5M)(142.1M)99.0M121.7M109.5M102.8M
Retained Earnings559.1M614.8M663.7M687.4M790.5M830.0M
Cash688.0M222.5M76.8M93.5M107.6M127.0M
Other Assets1.6B3.5B3.3B4.0B4.6B4.9B
Net Receivables16.9M21.3M24.9M26.9M31.0M15.6M
Total Liab4.6B4.5B4.3B5.0B5.8B6.1B
Total Current Assets2.1B1.6B1.4B847.4M974.5M567.6M
Short Term Debt93.4M70.9M67.2M187.1M168.4M176.8M
Common Stock2.0M2.0M2.0M2.0M2.3M1.9M
Other Liab73.2M82.7M69.3M58.8M67.6M63.9M
Accounts Payable3.3B3.8B4.4B4.4B5.0B5.3B
Long Term Debt15.9M9.6M108.6M28.1M25.3M24.0M
Treasury Stock(68.6M)(76.7M)(118.1M)(144.8M)(130.3M)(123.8M)
Intangible Assets8.0M6.7M5.6M21.5M19.4M20.4M
Other Current Assets675.7M700.2M12K102.0M91.8M87.2M
Inventory(675.7M)(700.2M)337K51.9M46.7M49.0M
Net Tangible Assets468.4M509.4M488.4M381.6M438.8M437.6M
Capital Surpluse139.7M140.8M142.0M143.2M164.7M107.9M
Today, most investors in First Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.46)

At this time, First Financial's Price Earnings To Growth Ratio is most likely to increase slightly in the upcoming years.

First Financial February 1, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of First Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of First Financial based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First Financial's daily price indicators and compare them against related drivers.

Complementary Tools for First Stock analysis

When running First Financial's price analysis, check to measure First Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Financial is operating at the current time. Most of First Financial's value examination focuses on studying past and present price action to predict the probability of First Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Financial's price. Additionally, you may evaluate how the addition of First Financial to your portfolios can decrease your overall portfolio volatility.
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