First Financial Corporation (THFF)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 80.60 $ — 99% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
7 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 12.4% failed
- More than 10% revenue growth is expected for the coming year 4.2% failed
- Share count grows by less than 3% a year -1.0% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 32.6% failed
- Gross margin at 40% or higher and without meaningful erosion 77.7% passed
- Goodwill from acquisitions does not grow faster than revenue 1.7% passed
- Net debt below twice EBITDA 345 m net cash passed
- Operating cash flow covers the profits of the last three years 50 m passed
- Return on capital at 15% or higher, or up versus two years ago 10.9% passed
- Insiders hold at least 10% or are net buyers 5.0% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 4.5% below the current price.
- Consensus
- Sell
- Analyst Ratings
- 3
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 7.70 | 7.68 – 7.72 | 294 | 15.3% | 2 |
| 12/31/2027 | 7.75 | 7.60 – 7.90 | 307 | 0.7% | 3 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.38 | 32.20 | 85 | 21.60 | 19.10 | 16 | 15 |
| 2025: Q1 | 1.55 | 67.90 | 84 | 21.40 | 22.00 | 21 | 21 |
| 2025: Q2 | 1.57 | 63.00 | 85 | 19.60 | 22.00 | 13 | 12 |
| 2025: Q3 | 1.75 | 136.70 | 88 | 5.90 | 23.60 | 27 | 29 |
| 2025: Q4 | 1.81 | 31.60 | 71 | -17.10 | 30.40 | 30 | 29 |
| 2026: Q1 | 1.67 | 7.20 | 78 | -6.70 | 25.40 | 23 | 22 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 156 | 58 | 38 | 3.12 | 41 | 414 | 2,989 |
| 2017 | 150 | 50 | 29 | 2.38 | 50 | 414 | 3,001 |
| 2018 | 164 | 58 | 47 | 3.80 | 57 | 443 | 3,009 |
| 2019 | 188 | 61 | 49 | 3.80 | 50 | 558 | 4,023 |
| 2020 | 203 | 66 | 54 | 3.93 | 77 | 597 | 4,558 |
| 2021 | 194 | 66 | 53 | 4.02 | 55 | 583 | 5,175 |
| 2022 | 230 | 88 | 71 | 5.82 | 79 | 475 | 4,989 |
| 2023 | 271 | 72 | 61 | 5.08 | 86 | 528 | 4,851 |
| 2024 | 308 | 57 | 47 | 4.00 | 60 | 549 | 5,560 |
| 2025 | 326 | 99 | 79 | 6.68 | 90 | 651 | 5,756 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
First Financial Corporation ist die Bankholding der First Financial Bank N. A.
| Employees | 946 |
|---|---|
| Headquarters | Terre Haute, IN |
| Address | One First Financial Plaza, 47807 Terre Haute, United States |
| Phone | 812 238 6000 |
| Website | first-online.bank |
| IPO Date | 3. Mar 1992 |
| ISIN | US3202181000 |
| Stock Split | 2:1 on 10/16/2003 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Norman L. Lowery J.D. | Executive Chairman | 1946 |
| Norman D. Lowery | President, CEO & Director | 1968 |
| Rodger A. McHargue | Senior VP, Secretary, Treasurer & CFO | 1962 |
| Stephen P. Panagouleas | Senior VP & Chief Credit Officer | 1973 |
| Mark A. Franklin | Senior VP & Chief Lending Officer | 1979 |
| Bob Renock | Chief Marketing Officer | – |
| Terry Tevlin | Vice President of Marketing | 1954 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 16. Jul 2026 | McDonald James O | Director | Buy | 84 | 75.00 | 6,300 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.