First Financial Corporation Indiana THFF
- Market cap
- $1.2B
- P/E
- 10.6×
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Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 31.15 | 39.55 | 38.03 | 37.41 | 27.62 | 37.70 | 41.50 | 31.00 | 34.58 | 42.05 |
Analyst estimates 2026–2028 Powerpack |
Low Price
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| 53.49 | 53.30 | 53.05 | 46.93 | 45.92 | 47.00 | 49.90 | 46.43 | 51.87 | 65.79 |
High Price
|
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| 846 | 847 | 816 | 957 | 917 | 883 | 900 | 861 | 937 | 946 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Revenue/Emp
|
|||
| 156 | 150 | 164 | 188 | 203 | 194 | 230 | 271 | 308 | 348 |
Revenue
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|||
| 97.18% | 95.78% | 94.13% | 90.69% | 93.03% | 95.47% | 92.06% | 77.45% | 70.81% | 75.34% |
Gross Margin
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| 58 | 50 | 58 | 61 | 66 | 66 | 88 | 72 | 57 | 99 |
EBT
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| 37.29% | 33.14% | 35.11% | 32.52% | 32.29% | 33.77% | 38.15% | 26.74% | 18.59% | 28.40% |
EBT Margin
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| 38 | 29 | 47 | 49 | 54 | 53 | 71 | 61 | 47 | 79 |
Net Income
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| 9 | 8 | 8 | 10 | 13 | 15 | 13 | 12 | 15 | 16 |
Depreciation
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| 12.69 | 12.28 | 13.42 | 14.58 | 14.80 | 14.73 | 18.84 | 22.71 | 26.03 | 29.33 |
Revenue/Sh
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| 3.12 | 2.38 | 3.80 | 3.80 | 3.93 | 4.02 | 5.82 | 5.08 | 4.00 | 6.68 |
Earnings/Sh
|
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| 3.34 | 4.10 | 4.69 | 3.88 | 5.64 | 4.17 | 6.45 | 7.21 | 5.11 | 7.63 |
Cash Flow/Sh
|
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| (0.25) | (0.24) | (0.16) | (0.09) | (0.28) | (0.29) | (0.12) | (0.55) | (0.52) | (0.34) |
Capex/Sh
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| 3.10 | 3.86 | 4.52 | 3.79 | 5.36 | 3.88 | 6.34 | 6.66 | 4.59 | 7.29 |
Free CF/Sh
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| 33.64 | 33.83 | 36.12 | 43.34 | 43.53 | 44.17 | 38.92 | 44.23 | 46.48 | 54.92 |
Book Value/Sh
|
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| 12 | 12 | 12 | 13 | 14 | 13 | 12 | 12 | 12 | 12 |
Shares
|
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| 16.78 | 18.89 | 10.57 | 12.06 | 9.89 | 11.29 | 7.92 | 8.41 | 11.55 | 9.04 |
PE Ratio
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| 4.11 | 3.66 | 2.99 | 3.14 | 2.63 | 3.07 | 2.44 | 1.89 | 1.77 | 2.06 |
PS Ratio
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| 1.55 | 1.33 | 1.11 | 1.05 | 0.89 | 1.03 | 1.18 | 0.97 | 0.99 | 1.10 |
PB Ratio
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| 3.59 | 3.17 | 2.75 | 2.58 | (0.59) | (0.39) | 1.48 | 2.00 | 1.56 | 2.23 |
EV/Sales
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| 14.75 | 10.11 | 8.18 | 9.94 | (1.62) | (1.47) | 4.39 | 6.83 | 8.85 | 8.96 |
EV/FCF
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| 41 | 50 | 57 | 50 | 77 | 55 | 79 | 86 | 60 | 90 |
Op' Cash Flow
|
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| (3) | (3) | (2) | (1) | (4) | (4) | (1) | (7) | (6) | (4) |
Capex
|
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| 38 | 47 | 55 | 49 | 74 | 51 | 77 | 80 | 54 | 86 |
FCF
|
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| (595) | (542) | (484) | (566) | (631) | (1,030) | (1,159) | (927) | (994) | (678) |
Working Cap'
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| 0 | 58 | 70 | 31 | 6 | 16 | 10 | 109 | 28 | 188 |
Total Debt
|
|||
| (82) | (74) | (74) | (104) | (652) | (672) | (222) | 32 | (66) | 57 |
Net Debt
|
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| 414 | 414 | 443 | 558 | 597 | 583 | 475 | 528 | 549 | 651 |
Sh' Equity
|
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| 1.29% | 0.97% | 1.55% | 1.39% | 1.25% | 1.09% | 1.40% | 1.23% | 0.91% | 1.40% |
ROA
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| 10.96% | 9.16% | 9.80% | 8.40% | 0.00% | 0.00% | 21.68% | 8.10% | 7.40% | 8.71% |
ROIC
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| 9.32% | 7.04% | 10.88% | 9.77% | 9.33% | 8.98% | 13.44% | 12.09% | 8.78% | 13.20% |
ROE
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First Financial Corporation Indiana peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| HFWA Heritage Financial Corporation | $1.2B | 13.4× | Compare |
| AMTB Amerant Bancorp Inc. | $1.2B | 21.1× | Compare |
| UVSP Univest Corporation of Pennsylvania | $1.2B | 12.1× | Compare |
| OSBC Old Second Bancorp, Inc. | $1.3B | 14.0× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| PFBC Preferred Bank | $1.3B | 9.8× | Compare |
| NBN Northeast Bancorp | $1.1B | 10.1× | Compare |
| HBT HBT Financial, Inc. | $1.3B | 15.5× | Compare |
| MCB Metropolitan Bank Holding Corp. | $1.1B | 11.2× | Compare |
First Financial Corporation Indiana (THFF) key facts
- First Financial Corporation Indiana (THFF) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- First Financial Corporation Indiana’s revenue for fiscal 2025 (year ended December 2025) was $347.6 million, up 13.0% from fiscal 2024.
- Net income was $79.2 million, or $6.68 per share (basic), a net margin of 22.8%.
- As of September 25, 2026, THFF traded at $75.56, a market capitalization of $1.2 billion.
- At that price the stock trades at 10.6× trailing-twelve-month earnings and 2.5× sales.
- First Financial Corporation Indiana pays an annual dividend of $1.08 per share, a yield of 4.18%, with a payout ratio of 19.5%.
- Return on equity was 13.2% and debt-to-equity 0.43.
First Financial Corporation Indiana (THFF) Latest News
23 Sep
THFF, the Terre Haute-based holding company for First Financial Bank, rose 25.32% in price so far this year. It pays a quarterly dividend of $0.56 ($2.24 annualized) for a yield of 2.96% and a trailing payout ratio of 31%. The dividend has grown 9.8% this year and has increased four times over the past five years, averaging 17.41% annually. Analysts project 2026 earnings of $7.54 per share, up about 12.9% year over year. THFF carries a Zacks Rank of #2 (Buy), and the piece touts the stock as an attractive dividend play despite the risk that high-yield stocks can struggle in rising-rate periods. Overall, the article presents THFF as a compelling, income-oriented stock with improving earnings growth. Dividend growth and a positive earnings outlook support moderate upside without signaling a fundamental strategic shift.
27 Aug
First Financial Corporation Indiana (THFF) and First Illinois Corporation signed a merger agreement. Merger agreement with First Illinois Corporation constitutes a major strategic move likely to significantly alter First Financial Corporation Indiana's trajectory and investor sentiment.
First Financial Corporation Indiana agrees to acquire an Illinois bank for $111.3 million. Acquisition expands THFF operations and market reach through major strategic purchase.
28 Jul
First Financial Corporation Indiana reported its second quarter results. Quarterly results disclosure supplies financial metrics that shape near-term valuation and sentiment.
22 Jul
First Financial executes $208 million deal to acquire Chicago-area operations and expand its Midwest footprint beyond Indiana and Cincinnati bases. $208 million Chicago expansion materially widens THFF geographic reach and revenue base.
21 Jul
First Financial Corporation Indiana (THFF) acquires Finward Bancorp. Acquisition of Finward Bancorp marks major strategic expansion altering THFF trajectory.
First Financial Bancorp reported second quarter 2026 financial results, raised its quarterly dividend, and announced the acquisition of Finward Bancorp. Acquisition of Finward Bancorp marks major strategic expansion that can significantly alter company trajectory and investor outlook.
First Financial (FFBC) released Q2 earnings with details on key financial metrics and performance indicators. Q2 earnings and metrics update offers moderate insight into financial results likely to affect near-term sentiment.
8 Jun
First Financial Corporation Indiana completed the conversion of BankFinancial. Completion of BankFinancial conversion marks major strategic expansion for First Financial Corporation Indiana.
29 Apr
Earnings estimates for First Financial (FFBC) are rising, signaling potential time to buy amid positive analyst revisions. Rising earnings estimates moderately boost investor sentiment and expectations for financial performance.
28 Apr
First Financial Corp. (THFF) Q1 earnings compared to analyst estimates, highlighting key metrics. Q1 earnings versus estimates directly shape investor sentiment and THFF's stock trajectory.
First Financial Corp. (THFF) exceeded Q1 earnings and revenue estimates. Beating Q1 earnings and revenue estimates signals strong financial performance, likely enhancing investor sentiment and stock trajectory.
First Financial Corporation Indiana reported first quarter net income of $12.4 million ($0.80 diluted EPS), down from $14.4 million ($0.93) year ago due to higher loan loss provisions and noninterest expenses. Loans increased 1.6% to $4.15 billion, deposits grew 1.2% to $5.23 billion, while net interest margin slipped to 3.41%. Management emphasized solid credit quality and liquidity. Declining year-over-year earnings amid modest loan and deposit growth signals moderate influence on financial performance balanced by stable operations.
27 Apr
First Financial Bancorp. released Q1 earnings call highlights detailing financial results, loan growth, deposit trends, and forward guidance. Q1 earnings call highlights provide critical insights into financial performance and strategic outlook, significantly influencing THFF's stock trajectory and investor sentiment.
24 Apr
First Financial (FFBC) released Q1 2026 earnings call transcript detailing quarterly financial results, management discussion on performance, challenges, and forward guidance. Quarterly earnings transcript reveals key financial metrics, strategic updates, and outlook that can substantially sway stock price and investor expectations.
23 Apr
First Financial (FFBC) Q1 earnings key metrics compared to analyst estimates. Q1 earnings metrics versus estimates significantly affect financial performance outlook and stock valuation.
First Financial (FFBC) released Q4 2025 earnings call transcript detailing quarterly financial results, management commentary, and outlook. Q4 earnings transcripts provide detailed financial metrics, strategic updates, and guidance that significantly influence stock performance and investor sentiment.
21 Apr
First Financial (FFBC) released Q4 2025 earnings call transcript covering quarterly financial results, management discussion, and forward guidance. Q4 earnings transcript reveals key financial metrics and outlook directly impacting THFF's stock performance and investor confidence.
24 Mar
Akron-area Westfield Bank branches have rebranded as First Financial branches, integrating them into First Financial Corporation Indiana (THFF) operations. Rebranding acquired branches bolsters THFF's local presence and operational integration in the Akron area.
9 Feb
First Financial of Maryland Federal Credit Union has partnered with Scienaptic AI to enhance its credit decision-making processes. This collaboration aims to improve member access to loans and increase lending efficiency by leveraging advanced artificial intelligence technology. The integration of Scienaptic's AI solutions is expected to streamline operations and provide better service to members. The partnership with Scienaptic AI may enhance operational efficiency and member services, but its overall impact on First Financial Corporation Indiana's trajectory is expected to be limited.
5 Feb
First Financial Corporation Indiana (THFF) has been upgraded to a 'Buy' rating by analysts, indicating a positive outlook for the stock. This upgrade suggests that the company's financial health and market position are viewed favorably, potentially leading to increased investor interest and confidence. The upgrade may reflect improvements in the company's performance metrics or broader market conditions that benefit its operations. The upgrade to 'Buy' indicates a significant positive shift in investor sentiment and expectations for the company's future performance.
First Financial Corporation Indiana (THFF) has reached a 52-week high, raising questions about the sustainability of its upward momentum. Analysts are evaluating the factors contributing to this peak and whether the stock can maintain its performance in the coming months. Market sentiment appears optimistic, but potential challenges could influence future growth. The stock's recent high indicates positive market sentiment, but sustainability remains uncertain due to potential market fluctuations.
First Financial Corporation Indiana (THFF) is highlighted as an undervalued small-cap stock with notable insider buying activity. The article emphasizes the potential for growth and investment opportunities in THFF, suggesting that the recent insider actions may indicate confidence in the company's future performance. Investors are encouraged to consider THFF as part of their portfolio in February 2026, given its favorable valuation and insider sentiment. Insider buying activity suggests confidence in the company's future, which may moderately influence market sentiment and performance.
4 Feb
First Financial Corporation Indiana (THFF) is highlighted as a top dividend stock due to its consistent dividend payments and strong financial performance. The company has a solid track record of increasing dividends, making it an attractive option for income-focused investors. With a focus on community banking and a commitment to shareholder returns, THFF is positioned well in the market, appealing to those seeking reliable dividend income. The company's strong dividend history and financial performance indicate significant potential for future growth and investor interest.
3 Feb
First Financial Corporation Indiana (THFF) reported its Q4 earnings, highlighting a net income increase compared to the previous year. The earnings per share rose, reflecting strong performance in various segments. The company also noted improvements in loan growth and asset quality, contributing to a positive outlook for the upcoming year. Management expressed confidence in sustaining growth and enhancing shareholder value through strategic initiatives. The earnings report indicates significant improvements in financial performance and strategic growth initiatives that could positively influence future market positioning.
First Financial Corporation Indiana (THFF) reported its financial results for 2025, highlighting significant growth in net income and total assets. The company experienced an increase in loans and deposits, reflecting strong demand and effective management strategies. Additionally, improvements in operational efficiency contributed to enhanced profitability. The board of directors declared a quarterly dividend, signaling confidence in the company's financial health and commitment to returning value to shareholders. Overall, the results indicate a positive trajectory for THFF amidst a competitive banking environment. The reported financial growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.
29 Jan
First Financial Bancorp reported its Q4 earnings, highlighting strong financial performance with increased net income and improved asset quality. The company emphasized its strategic initiatives aimed at enhancing customer experience and expanding market presence. Management provided insights into future growth opportunities and ongoing efforts to optimize operational efficiency. Overall, the earnings call reflected a positive outlook for the company amidst a competitive banking landscape. The earnings call revealed significant strategic initiatives that could alter the company's trajectory and investor sentiment.
28 Jan
First Financial Bancorp (FFBC) reported Q4 earnings that exceeded analysts' expectations, showcasing strong financial performance. The results reflect the company's effective management strategies and growth initiatives, contributing to positive investor sentiment. The earnings report highlights key metrics that indicate robust operational health and potential for future growth. Strong earnings performance is likely to significantly influence investor sentiment and the company's future trajectory.
First Financial Corporation Indiana (THFF) reported its Q4 earnings, showcasing a notable increase in net income compared to the previous year. The bank's performance was driven by growth in loans and deposits, alongside improved net interest margins. Additionally, the company highlighted its strategic initiatives aimed at enhancing operational efficiency and customer service. Overall, the results reflect a positive trajectory for THFF, positioning it favorably in the competitive banking landscape. The significant increase in net income and strategic initiatives indicate a strong potential for future growth and improved market positioning.
First Financial Corporation Indiana (THFF) reported its Q4 earnings, highlighting key metrics that were compared against estimates. The results showed a performance that met or exceeded expectations in several areas, indicating a stable financial position and potential for future growth. Analysts are analyzing these figures to gauge the company's trajectory in the upcoming quarters. The earnings report reflects moderately noticeable influences on financial performance and market sentiment.