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THFFFirst Financial Corporation
$75.69$900M
Overview & Verdict
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THFF logoFirst Financial Corporation(THFF)Earnings, Financials & Key Ratios

THFF•NASDAQ•Banking & Credit
$75.69
11.3× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutFirst Financial Corporation, through its subsidiaries, provides various financial services. It offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. The company also provides commercial loans primarily to expand a business or finance asset purchases; residential real estate and residential real estate construction loans; and home equity loans and lines, secured loans, and cash/CD secured and unsecured loans. In addition, it offers lease financing, trust account, depositor, and insurance services. The company operates 78 branches in west-central Indiana, east-central Illinois, western Kentucky, and middle and western Tennessee. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.Show more
  • Net Interest Income$220M+25.6%
  • Total Revenue$326M+6.2%
  • Net Income$79M+67.5%
  • Return on Equity13.2%+50.4%
  • Net Interest Margin3.82%+21.4%
  • Efficiency Ratio47.25%+0.6%
  • ROA1.4%+54.2%
  • Equity / Assets11.31%+14.5%
  • Book Value per Share54.91+18.1%

THFF Price & Volume

First Financial Corporation (THFF) stock price & volume — 10-year historical chart

Loading chart...

Strategic Asset Expansion Faces Persistent Margin Constraints

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Deposit cost sensitivity

Key Thesis Takeaways

  • First Financial Corporation has successfully scaled its asset base from $4.9 billion in 2023Q4 to $6.1 billion by 2026Q1, yet this growth is tempered by a persistent net interest margin that has struggled to break above 1.1% over the last ten quarters.
  • While the bank maintains a stable equity-to-assets ratio of 0.11, investors should monitor the volatility in provision expenses, which swung from a $9.4 million charge in 2024Q3 to an $8.8 million reversal in 2025Q4.
  • Future performance appears contingent on the bank's ability to manage funding costs while integrating its expanded footprint in Tennessee and Kentucky.

Verdict Logic

while the forward P/E of 10.59 suggests reasonable valuation, the persistent margin compression evidenced by a 0.9% NIM in 2026Q1 warrants caution regarding future earnings expansion.

THFF Growth Metrics

First Financial Corporation (THFF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.24%
5 Years9.97%
3 Years12.38%
TTM-

Profit CAGR

10 Years10.12%
5 Years8.03%
3 Years3.66%
TTM47.21%

EPS CAGR

10 Years11.01%
5 Years11.19%
3 Years4.7%
TTM46.87%

Return on Capital

10 Years11.44%
5 Years11.37%
3 Years10.94%
Last Year12.68%

THFF Recent Earnings

First Financial Corporation (THFF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$1.67+1.8%
$1.64
Rev
$68M-2.0%
$70M
Q1 2026
Feb 3, 2026
Metric
Actual
Est
EPS
$1.81+7.1%
$1.69
Rev
$71M+3.6%
$68M
Q4 2025
Oct 28, 2025
Metric
Actual
Est
EPS
$1.75+8.7%
$1.61
Rev
$66M-3.2%
$68M
Q3 2025
Jul 22, 2025
Metric
Actual
Est
EPS
$1.57+9.8%
$1.43
Rev
$63M-3.2%
$65M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$1.67vs $1.64+1.8%
$68Mvs $70M-2.0%
Q1 2026Feb 3, 2026
$1.81vs $1.69+7.1%
$71Mvs $68M+3.6%
Q4 2025Oct 28, 2025
$1.75vs $1.61+8.7%
$66Mvs $68M-3.2%
Q3 2025Jul 22, 2025
$1.57vs $1.43+9.8%
$63Mvs $65M-3.2%
Based on last 12 quarters of dataView full earnings history →

Latest THFF News

Recent stock market news and headlines for First Financial Corporation (THFF)

Zacks Investment Research·5 days ago
Why First Financial Corp. (THFF) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial Corp. (THFF) have what it takes?

Zacks Investment Research·Jul 1, 2026
First Financial Corp. (THFF) is a Great Momentum Stock: Should You Buy?

Does First Financial Corp. (THFF) have what it takes to be a top stock pick for momentum investors? Let's find out.

Zacks Investment Research·Jun 17, 2026
First Financial Corp. (THFF) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial Corp. (THFF) have what it takes?

GlobeNewsWire·Jun 17, 2026
First Financial Corporation Declares Quarterly Dividend

TERRE HAUTE, Ind., June 17, 2026 (GLOBE NEWSWIRE) -- The directors of First Financial Corporation (NASDAQ: THFF) have declared a dividend of 56 cents per share payable on July 15, 2026, to shareholders of record at the close of business July 1, 2026.

Peers Comparison

Key metrics vs top competitors for First Financial Corporation (THFF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
THFF logoTHFFFirst Financial CorporationCurrent
$75.69$900.1M11.336.16%24.26%13.2%2.69%
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—
FFBC logoFFBCFirst Financial Bancorp.
$34.31$3.6B12.902.75%20.93%10.23%—
FNLC logoFNLCThe First Bancorp, Inc.
$33.86$381.8M11.037.37%20.86%13.08%—
FBIZ logoFBIZFirst Business Financial Services, Inc.
$63.34$528.43M10.456.43%18.74%14.12%—
MVBF logoMVBFMVB Financial Corp.
$28.62$367.76M13.8918.96%14.29%8.79%—

Compare THFF vs Peers

First Financial Corporation (THFF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for THFF.

Scale Benchmark

vs ICE

Larger-name benchmark to compare THFF against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, FFBC, FNLC, FBIZ

THFF SEC Filings & Documents

First Financial Corporation (THFF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 17, 2026·SEC

Material company update

Apr 28, 2026·SEC

Material company update

Apr 15, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 4, 2026·SEC

FY 2025

Mar 5, 2025·SEC

FY 2024

Mar 11, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 6, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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THFF Frequently Asked Questions

First Financial Corporation (THFF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is First Financial Corporation growing?

First Financial Corporation (THFF) grew revenue by 6.2% over the past year. This is steady growth.

Is THFF profitable?

Yes, First Financial Corporation (THFF) is profitable, generating $80.6M in net income for fiscal year 2025 (24.3% net margin).

Dividend & Returns
Does THFF pay dividends?

Yes, First Financial Corporation (THFF) pays a dividend with a yield of 2.69%. This makes it attractive for income-focused investors.

What is THFF's return on equity?

First Financial Corporation (THFF) has a return on equity (ROE) of 13.2%. This is reasonable for most industries.

Industry Metrics
What is First Financial Corporation's net interest margin?

First Financial Corporation (THFF) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.

What is First Financial Corporation's efficiency ratio?

First Financial Corporation (THFF) has an efficiency ratio of 47.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in THFF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →