First Financial Corporation

THFF | NASDAQ

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$75.94

-$0.61 (-0.80%)

At close: Sep 21, 2026, 4:00 PM ET

$75.94

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $910.32M

Enterprise Value $-51.67M

Beta 0.40

Average Volume 100.23K

Shares Outstanding (Diluted) 11.89M

Shares Change YoY 0.35%

Institutional Ownership 80.25%

Exchange NASDAQ

ISIN US3202181000

Price Performance

Price Change 1M -4.1%

Price Change 3M 1.1%

Price Change 6M 21.5%

Price Change YTD 27.6%

Price Change 1Y 30.1%

Price Change 3Y 128.4%

Price Change 5Y 86.2%

1M CAGR (ann.) -7.2%

1Y CAGR (ann.) 36.7%

5Y CAGR (ann.) 18.0%

All-Time CAGR 7.6%

Valuation

PE Ratio 10.64

Forward PE 9.34

PEG Ratio 0.30

Forward PEG 1.96

PS Ratio 2.73

Forward PS 2.60

PB Ratio 1.34

P/FCF Ratio 9.96

P/Adj. FCF Ratio 10.25

P/OCF Ratio 9.28

EV/Sales -0.16

EV/EBIT -0.55

EV/EBITDA -0.52

EV/FCF -0.57

Earnings Yield 9.4%

FCF Yield 10.0%

Adj. FCF Yield 9.8%

Financial Health

Net Cash $663.28M

Total Debt $310.09M

Cash & Short-Term Investments $1.26B

Total Assets $6.18B

Current Ratio 4.17

Quick Ratio 4.17

Debt / Equity Ratio 0.89

Debt / EBITDA 3.10

Debt / FCF 3.42

OCF / Debt 0.30

Interest Coverage 1.22

Altman Z-Score 0.57

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 78.3%

Operating Profit Margin 28.5%

EBITDA Margin 30.2%

Net Profit Margin 25.6%

FCF Margin 27.4%

Adj. FCF Margin 26.6%

SBC / Revenue 0.8%

SBC Impact (per share) -2.8%

Returns

Return on Assets 1.4%

Return on Equity 13.0%

Return on Invested Capital 5.1%

Return on Capital Employed 1.6%

Return on Tangible Assets 1.4%

Historical Growth (CAGR)

Revenue CAGR 3Y 9.3%

Revenue CAGR 5Y 10.6%

Revenue CAGR 10Y 7.6%

EPS CAGR 3Y 9.0%

EPS CAGR 5Y 10.3%

EPS CAGR 10Y 9.2%

FCF CAGR 3Y 6.8%

FCF CAGR 5Y 7.6%

FCF CAGR 10Y 9.4%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 4

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 26, 2026

EPS Estimate (next Q) $2

EPS Growth Est (next Q) 14.3%

Revenue Est (next Q) $74.92M

Revenue Growth Est (next Q) 13.9%

Fair Value Estimates

Graham Number $95.55

Graham Upside 25.8%

Lynch Fair Value $73.68

Lynch Upside -3.0%

Price Target $90

Price Target Upside 18.5%

Cash Flow

Operating Cash Flow $91.97M

Free Cash Flow $90.65M

Adj. Free Cash Flow $88.09M

FCF Per Share $8.06

OCF Per Share $8.18

OCF/S Ratio 29.4%

Income Statement

Revenue $331.15M

Gross Profit $259.45M

Operating Income $94.4M

EBITDA $100.15M

Net Income $84.76M

EPS (Diluted) $7.14

Revenue / Employee $350.06K

Profit / Employee $89.6K

Employees 946

Dividends

Annual Dividend $2.19

Dividend Yield 2.88%

Payout Ratio 30.7%

FCF Payout Ratio 27.3%

Adj. FCF Payout Ratio 28.1%

Dividend Growth (YoY) 10.6%

Pay Frequency Quarterly

Ex-Dividend Date Sep 30, 2026