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First Financial Corporation

THFF

NASDAQFinancial ServicesBanks - Regional

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Previous close

$79.05

−$0.02 · -0.03%

Aug 21, 4:00 PM ET

THFF company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

78

Undervalued

Momentum

58

Neutral

Sentiment

51

Mixed

Risk resilience

79

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US

Market position

Day range

Current $79.05

52-week range

Current $79.05

Open
$79.45
Previous close
$79.07
Volume
131.13K
Market cap
940.05M USD
50-day average
$77.8254
+1.57% above average
200-day average
$67.3034
+17.45% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.07B USD
P/E (TTM)
11.07×
P/B (TTM)
1.39×
P/S (TTM)
2.84×
EV / EBITDA
9.83×
Earnings yield
11.06%
Free cash flow yield
12.07%
Dividend yield
2.77%

Profitability & efficiency

Gross margin
78.35%
Operating margin
28.51%
Net margin
25.60%
Return on equity
12.17%
Return on assets
1.38%
Return on invested capital
6.57%

Financial health

Debt / equity
0.89×
Current ratio
0.18×
Altman Z-score
0.57
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends102%71%39%7%Gross margin, FY2021: 94.20%Gross margin, FY2022: 92.94%Gross margin, FY2023: 74.76%Gross margin, FY2024: 65.56%Gross margin, FY2025: 77.68%Operating margin, FY2021: 33.77%Operating margin, FY2022: 38.15%Operating margin, FY2023: 26.74%Operating margin, FY2024: 18.59%Operating margin, FY2025: 30.44%Net margin, FY2021: 27.27%Net margin, FY2022: 30.91%Net margin, FY2023: 22.38%Net margin, FY2024: 15.37%Net margin, FY2025: 24.26%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.20%. Gross margin FY2022 92.94%. Gross margin FY2023 74.76%. Gross margin FY2024 65.56%. Gross margin FY2025 77.68%. Operating margin FY2021 33.77%. Operating margin FY2022 38.15%. Operating margin FY2023 26.74%. Operating margin FY2024 18.59%. Operating margin FY2025 30.44%. Net margin FY2021 27.27%. Net margin FY2022 30.91%. Net margin FY2023 22.38%. Net margin FY2024 15.37%. Net margin FY2025 24.26%.

Income trends

Revenue

326.44M USD+6.16%

Operating income

99.36M USD+73.84%

Net income

79.21M USD+67.55%
Income trends across reported periods354.36M USD242.69M USD131.03M USD19.36M USDRevenue, FY2021: 194.28M USDRevenue, FY2022: 230.02M USDRevenue, FY2023: 271.1M USDRevenue, FY2024: 307.51M USDRevenue, FY2025: 326.44M USDOperating income, FY2021: 65.61M USDOperating income, FY2022: 87.76M USDOperating income, FY2023: 72.49M USDOperating income, FY2024: 57.15M USDOperating income, FY2025: 99.36M USDNet income, FY2021: 52.99M USDNet income, FY2022: 71.11M USDNet income, FY2023: 60.67M USDNet income, FY2024: 47.28M USDNet income, FY2025: 79.21M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 194.28M USD. Revenue FY2022 230.02M USD. Revenue FY2023 271.1M USD. Revenue FY2024 307.51M USD. Revenue FY2025 326.44M USD. Operating income FY2021 65.61M USD. Operating income FY2022 87.76M USD. Operating income FY2023 72.49M USD. Operating income FY2024 57.15M USD. Operating income FY2025 99.36M USD. Net income FY2021 52.99M USD. Net income FY2022 71.11M USD. Net income FY2023 60.67M USD. Net income FY2024 47.28M USD. Net income FY2025 79.21M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue326.44M USD307.51M USD271.1M USD230.02M USD194.28M USD
Cost of goods sold72.85M USD105.92M USD68.43M USD16.23M USD11.26M USD
Gross profit253.59M USD201.59M USD202.67M USD213.78M USD183.02M USD
Selling, general, and administrative102.11M USD77.34M USD71.43M USD67.88M USD65.77M USD
Operating expenses154.23M USD144.44M USD130.18M USD126.02M USD117.41M USD
Interest income295.65M USD264.74M USD228.4M USD183.3M USD152.2M USD
Interest expense75.8M USD89.76M USD61.14M USD18.26M USD8.8M USD
Depreciation and amortization9.1M USD9.95M USD6.53M USD6.11M USD6.15M USD
Operating income99.36M USD57.15M USD72.49M USD87.76M USD65.61M USD
Net income79.21M USD47.28M USD60.67M USD71.11M USD52.99M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 3 misses, 1 met estimate
Average EPS surprise
+2.77%
11 comparable reports
Latest EPS result
1.91
Estimate 1.79 · Beat by 6.70%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.081.791.51.21Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 1.37, estimate 1.29, surprise +6.20%, Beat. Q2 2025, reported Apr 22, 2025: actual 1.55, estimate 1.29, surprise +20.16%, Beat. Q3 2025, reported Jul 22, 2025: actual 1.57, estimate 1.43, surprise +9.79%, Beat. Q4 2025, reported Oct 28, 2025: actual 1.75, estimate 1.61, surprise +8.70%, Beat. Q1 2026, reported Feb 3, 2026: actual 1.81, estimate 1.69, surprise +7.10%, Beat. Q2 2026, reported Apr 28, 2026: actual 1.67, estimate 1.64, surprise +1.83%, Beat. Q3 2026, reported Jul 28, 2026: actual 1.91, estimate 1.79, surprise +6.70%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 2, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates77.89M70.79M63.69M56.59MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 61.82M USD, estimate 59.59M USD, surprise +3.74%, Beat. Q2 2025, reported Apr 22, 2025: actual 62.49M USD, estimate 62.74M USD, surprise -0.41%, Miss. Q3 2025, reported Jul 22, 2025: actual 63.05M USD, estimate 65.15M USD, surprise -3.23%, Miss. Q4 2025, reported Oct 28, 2025: actual 65.75M USD, estimate 67.93M USD, surprise -3.21%, Miss. Q1 2026, reported Feb 3, 2026: actual 70.55M USD, estimate 68.08M USD, surprise +3.62%, Beat. Q2 2026, reported Apr 28, 2026: actual 68.15M USD, estimate 69.57M USD, surprise -2.04%, Miss. Q3 2026, reported Jul 28, 2026: actual 71.87M USD, estimate 72.84M USD, surprise -1.33%, Miss. Q4 2026, reported Oct 27, 2026: actual —, estimate 74.9M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$90.00

13.85% upside
Past 12 months12-month forecastHigh $90.00Average $90.00Low $90.00

Rating distribution

4 ratings

Limited analyst sample: 4 ratings. Interpret the distribution with caution.

Strong buy00%
Buy125%
Hold375%
Sell00%
Strong sell00%

Recent analyst actions

3 institutions
Raymond JamesdowngradeOutperformMarket Perform
Janney Montgomery ScottupgradeNeutralBuy

THFF news

zacks.com

Are You Looking for a High-Growth Dividend Stock?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial Corp. (THFF) have what it takes?

Read source
zacks.com

First Financial Corp. (THFF) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial Corp. (THFF) have what it takes?

Read source
zacks.com

First Financial Corp. (THFF) Q2 Earnings Beat Estimates

First Financial Corp. (THFF) came out with quarterly earnings of $1.91 per share, beating the Zacks Consensus Estimate of $1.71 per share. This compares to earnings of $1.57 per share a year ago.

Read source
globenewswire.com

First Financial Corporation Reports Second Quarter Results

TERRE HAUTE, Ind., July 28, 2026 (GLOBE NEWSWIRE) -- First Financial Corporation (NASDAQ:THFF) today announced results for the second quarter of 2026.

Read source
zacks.com

First Financial Corp. (THFF) to Report Q2 Results: Wall Street Expects Earnings Growth

First Financial Corp. (THFF) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Read source
zacks.com

Why First Financial Corp. (THFF) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial Corp. (THFF) have what it takes?

Read source

Corporate actions

Corporate action history

Stock split

Effective Oct 16, 2003

2:1

Stock split

Effective Jan 7, 1998

21:20

Stock split

Effective Jun 14, 1996

21:20

Stock split

Effective Jun 16, 1995

21:20

Stock split

Effective Oct 25, 1993

2:1

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ETFs holding THFF

Funds reporting this stock among their holdings, ordered by reported position size.

Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
28.14M
Weight
0.09%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
27.44M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
25.5M
Weight
0.03%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Schwab U.S. Dividend Equity ETF logoSchwab U.S. Dividend Equity ETFSCHD
Market value
25.29M
Weight
0.02%
AUM
112B USD
Expense ratio
0.06%
Price / 1D
$35.11+0.80%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
11.12M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
8.67M
Weight
0.06%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
7.62M
Weight
0.19%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
5.99M
Weight
0.04%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%

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