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