Saturday 17 October 2026
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First Financial Corporation Indiana
THFF Financial Banks Regional
First Financial Corporation Indiana’s revenue for fiscal 2025 (year ended December 2025) was $347.6 million, up 13.0% from fiscal 2024. In the quarter to June 2026, revenue grew 12.2%, EPS grew 21.7%, free cash flow grew 44.7% and total debt rose 137.6%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for three; insiders bought in the last twelve months.
74.15
0.42
+0.57%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
16.78 | 18.89 | 10.57 | 12.06 | 9.89 | 11.29 | 7.92 | 8.41 | 11.55 | 9.04 |
Piotroski F-Score |
9 | 6 | 7 | 4 | 6 | 5 | 7 | 6 | 7 | 7 |
P/S ratio |
4.11 | 3.66 | 2.99 | 3.14 | 2.63 | 3.07 | 2.44 | 1.89 | 1.77 | 2.06 |
P/FCF ratio |
16.90 | 11.68 | 8.89 | 12.08 | 7.26 | 11.68 | 7.27 | 6.43 | 10.07 | 8.30 |
P/Operating CF |
46.66 | 38.41 | 30.90 | 54.66 | 21.63 | 49.13 | 21.20 | 25.69 | 34.42 | 24.05 |
P/B ratio |
1.55 | 1.33 | 1.11 | 1.05 | 0.89 | 1.03 | 1.18 | 0.97 | 0.99 | 1.10 |
Price to Tangible BV |
1.70 | 1.46 | 1.21 | 1.26 | 1.05 | 1.22 | 1.47 | 1.17 | 1.28 | 1.34 |
EV/Sales |
3.59 | 3.17 | 2.75 | 2.58 | (0.59) | (0.39) | 1.48 | 2.00 | 1.56 | 2.23 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
13.62 | 9.49 | 7.88 | 9.70 | (1.54) | (1.36) | 4.31 | 6.30 | 7.94 | 8.56 |
EV/FCF |
14.75 | 10.11 | 8.18 | 9.94 | (1.62) | (1.47) | 4.39 | 6.83 | 8.85 | 8.96 |
Quick Ratio |
0.03 | 0.03 | 0.03 | 0.04 | 0.17 | 0.15 | 0.05 | 0.02 | 0.02 | 0.03 |
Current Ratio |
0.76 | 0.78 | 0.81 | 0.83 | 0.84 | 0.77 | 0.74 | 0.78 | 0.80 | 0.86 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.77% | 0.13% | 0.31% | 0.19% | 2.24% | 0.51% | 3.27% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.06 | 0.01 | 0.03 | 0.02 | 0.21 | 0.05 | 0.29 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
1.07 | 1.72 | 1.23 | 1.02 | 1.44 | 1.04 | 1.11 | 1.42 | 1.28 | 1.14 |
Capex/Depreciation |
(0.35) | (0.36) | (0.26) | (0.11) | (0.29) | (0.26) | (0.11) | (0.56) | (0.42) | (0.25) |
| 9.32% | 7.04% | 10.88% | 9.77% | 9.33% | 8.98% | 13.44% | 12.09% | 8.78% | 13.20% | |
| 1.29% | 0.97% | 1.55% | 1.39% | 1.25% | 1.09% | 1.40% | 1.23% | 0.91% | 1.40% | |
ROIC |
10.96% | 9.16% | 9.80% | 8.40% | 0.00% | 0.00% | 21.68% | 8.10% | 7.40% | 8.71% |
Return on Tangible Assets |
(7.04%) | (5.89%) | (10.64%) | (9.72%) | (9.46%) | (5.52%) | (6.51%) | (7.05%) | (5.18%) | (13.22%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
59.89% | 62.64% | 59.03% | 58.17% | 60.74% | 61.70% | 53.91% | 50.71% | 52.23% | 46.93% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
0.44% | 0.47% | 0.45% | 0.43% | 0.40% | 0.42% | 0.36% | 0.33% | 0.43% | 0.27% |
Graham Net Nets |
(1.03) | (1.12) | (1.11) | (1.15) | (1.36) | (1.87) | (2.20) | (2.14) | (2.02) | (1.31) |
Graham Number |
48.52 | 42.56 | 55.57 | 60.80 | 62.04 | 63.13 | 71.33 | 71.17 | 64.68 | 90.85 |
Earnings Yield |
5.96% | 5.29% | 9.46% | 8.29% | 10.12% | 8.85% | 12.63% | 11.89% | 8.66% | 11.06% |
Free Cash Flow Yield |
5.92% | 8.56% | 11.24% | 8.28% | 13.78% | 8.56% | 13.76% | 15.54% | 9.93% | 12.05% |
Revenue per Share |
12.69 | 12.28 | 13.42 | 14.58 | 14.80 | 14.73 | 18.84 | 22.71 | 26.03 | 29.33 |
Operating CF per Share |
3.34 | 4.10 | 4.69 | 3.88 | 5.64 | 4.17 | 6.45 | 7.21 | 5.11 | 7.63 |
Capex per Share |
(0.25) | (0.24) | (0.16) | (0.09) | (0.28) | (0.29) | (0.12) | (0.55) | (0.52) | (0.34) |
Free Cash Flow per Share |
3.10 | 3.86 | 4.52 | 3.79 | 5.36 | 3.88 | 6.34 | 6.66 | 4.59 | 7.29 |
Cash per Share |
6.65 | 6.06 | 6.07 | 10.49 | 47.96 | 52.19 | 18.99 | 6.45 | 7.99 | 11.04 |
Shareholders Equity per Share |
33.64 | 33.83 | 36.12 | 43.34 | 43.53 | 44.17 | 38.92 | 44.23 | 46.48 | 54.92 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
33.64 | 33.83 | 36.12 | 43.34 | 43.53 | 44.17 | 38.92 | 44.23 | 46.48 | 54.92 |
Free Cash Flow |
38.14 | 47.16 | 55.44 | 48.80 | 73.52 | 51.23 | 77.36 | 79.55 | 54.26 | 86.42 |
Working Capital |
(594.83) | (542.47) | (484.47) | (565.58) | (631.06) | (1,030.07) | (1,158.91) | (927.32) | (994.28) | (677.66) |
Capital Expenditures |
(3.05) | (2.98) | (2.01) | (1.10) | (3.91) | (3.83) | (1.43) | (6.54) | (6.11) | (3.98) |
Net Current Asset Value |
(659.45) | (613.23) | (544.11) | (675.75) | (722.58) | (1,119.65) | (1,233.15) | (1,093.20) | (1,099.62) | (939.34) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 | 0.01 |
Price to Operating Income |
11.03 | 11.04 | 8.52 | 9.64 | 8.13 | 9.10 | 6.40 | 7.05 | 9.55 | 7.25 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.18 | 0.17 | 0.17 | 0.15 | 0.21 | 0.21 | 0.19 | 0.17 | 0.18 | 0.21 |
Cash ROIC |
7.68% | 9.67% | 10.72% | 6.74% | 5.83% | 3.98% | 10.79% | 11.15% | 8.08% | 8.91% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
201,137.28 | 141,591.72 | 92,214.14 | 68,435.82 | 96,960.18 | 182,959.27 | 87,334.35 | 24,419.32 | 19,189.84 | 19,378.86 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,435.45 | 2,443.59 | 2,447.69 | 2,856.04 | 3,515.65 | 4,082.76 | 4,389.22 | 4,229.47 | 4,404.49 | 4,635.01 |
Average Assets |
2,984.06 | 2,994.60 | 3,004.69 | 3,515.98 | 4,291.89 | 4,867.81 | 5,082.19 | 4,920.21 | 5,205.75 | 5,658.24 |
Average Common Equity |
412.36 | 413.98 | 428.14 | 500.15 | 577.30 | 589.78 | 528.93 | 501.63 | 538.51 | 599.96 |
Columns are period end dates