THFFNasdaqState Commercial BanksFiscal year ends December 31
FIRST FINANCIAL CORP /IN/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$73.98−0.17 (-0.23%)
Close on Oct 19, 2026
- Market cap
- $879.70M
- P/E (TTM)
- 10.4
- Dividend yield
- 2.83%
First Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | First Financial | Industry median |
|---|---|---|
| Market Cap | $879.76M | $679.86M |
| Enterprise Value | $783.13M | $408.94M |
| PE Ratio | 10.36 | 12.00 |
| PS Ratio | 3.18 | 3.61 |
| PB Ratio | 1.30 | 1.18 |
| P/TBV Ratio | 1.57 | 1.41 |
| P/FCF Ratio | 9.46 | 10.93 |
| P/OCF Ratio | 9.04 | 10.04 |
Enterprise value
| Measure | First Financial | Industry median |
|---|---|---|
| EV / Sales | 2.83 | 2.78 |
| EV / FCF | 8.42 | 8.25 |
Income (trailing twelve months)
| Measure | First Financial | Industry median |
|---|---|---|
| Revenue | $276.32M | $170.85M |
| Pretax Income | $104.87M | $70.12M |
| Net Income | $84.76M | $54.33M |
| EPS (Diluted) | $7.14 | $2.90 |
Margins
| Measure | First Financial | Industry median |
|---|---|---|
| Pretax Margin | 38.0% | 36.4% |
| Profit Margin | 30.7% | 29.1% |
| FCF Margin | 33.7% | 33.0% |
Returns
| Measure | First Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 13.4% | 10.5% |
| Return on Assets (ROA) | 1.44% | 1.12% |
Growth
| Measure | First Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 12.4% | 11.8% |
| Net Income Growth (YoY) | 36.8% | 23.1% |
| EPS Growth (YoY) | 36.5% | 22.7% |
| FCF Growth (YoY) | 40.1% | 27.1% |
| Revenue Growth (3Y CAGR) | 7.33% | 5.82% |
| Revenue Growth (5Y CAGR) | 6.76% | 6.17% |
| EPS Growth (3Y CAGR) | 4.70% | 1.26% |
| EPS Growth (5Y CAGR) | 11.2% | 8.24% |
Balance sheet
| Measure | First Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $96.63M | $205.54M |
| Net Cash (Debt) | $96.63M | $164.40M |
| Net Cash Per Share | $8.13 | $8.13 |
| Equity (Book Value) | $675.79M | $560.44M |
| Book Value Per Share | $56.83 | $28.47 |
| Tangible Book Value | $558.69M | $472.29M |
Cash flow (trailing twelve months)
| Measure | First Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $97.32M | $61.20M |
| Capital Expenditures | -$4.27M | -$4.02M |
| Free Cash Flow | $93.04M | $52.43M |
| FCF Per Share | $7.82 | $3.07 |
Efficiency
| Measure | First Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.05 | 0.04 |
| Revenue Per Employee | $292.09K | $353.78K |
| Profits Per Employee | $89.60K | $107.28K |
| Employee Count | 946 | 489 |
Dividends and yields
| Measure | First Financial | Industry median |
|---|---|---|
| Earnings Yield | 9.63% | 8.07% |
| FCF Yield | 10.6% | 8.89% |
| Dividend Yield | 2.83% | 2.48% |
| Buyback Yield | 0.04% | 1.55% |
| Shareholder Yield | 2.86% | 3.13% |
| Dividend Per Share | $2.09 | $0.93 |
| Dividend Growth (YoY) | 12.4% | 4.26% |
| Years of Dividend Growth | 2 | 2 |
| Payout Ratio | 30.0% | 29.4% |
| FCF Payout Ratio | 27.3% | 26.0% |
Shares
| Measure | First Financial | Industry median |
|---|---|---|
| Shares Outstanding | 11,891,900 | 18,839,100 |
| Shares Change (YoY) | 0.36% | 0.39% |
| Shares Change (QoQ) | 0.00% | 0.00% |
| Float | 10,865,800 | 17,061,900 |
| Shares Held by Insiders | 8.63% | 5.89% |
| Shares Held by Institutions | 81.6% | 61.9% |
Taxes
| Measure | First Financial | Industry median |
|---|---|---|
| Income Tax | $20.11M | $14.50M |
| Effective Tax Rate | 19.2% | 21.1% |
Scores
| Measure | First Financial | Industry median |
|---|---|---|
| Graham Number | $95.55 | $45.31 |
| Graham Upside | 29.2% | 21.6% |
| Altman Z-Score | 0.32 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from First Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.