First Financial Corporation

First Financial Corporation

THFF
First Financial CorporationUS flagNASDAQ
79.34
USD
+0.64
- -
943.50MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
11.1
11.24
11.19
12.33
11.76
12.63
13.22
13.77
14.06
17.34
17.59
18.44
22.09
23.27
Basic EPS, GAAP
2.37
2.55
2.35
3.12
2.38
3.8
3.8
3.93
4.02
5.82
5.08
4
6.68
7.14
Free Cash Flow per Basic Share
4.52
3.97
2.94
3.1
3.86
4.52
3.79
5.36
3.88
6.34
6.66
4.59
7.29
7.83
Dividend per Share
0.96
0.98
0.98
1
2.5
1.02
0.98
1.04
1.08
1.18
1.29
1.8
2.04
2.14
Book Value per Share
28.94
30.46
32.21
34.01
33.77
36.06
40.58
44.03
46.13
39.44
44.76
46.36
54.78
56.83
Tangible Book Value per Share
25.61
27.11
28.86
31.01
30.83
33.16
33.98
37.45
38.67
31.66
36.91
36.1
45.15
46.98
Basic Weighted Avg Shares
13
13
13
12
12
12
13
14
13
12
12
12
12
12
Sales/Revenue/Turnover
148
149
144
152
144
155
170
189
185
212
210
218
262
276
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
5
6
5
5
4
4
5
6
6
6
7
10
12
12
Net Income, GAAP
32
34
30
38
29
47
49
54
53
71
61
47
79
85
Effective Tax Rate (%)
30.39
29.58
25.6
34.11
41.45
19.31
19.88
17.84
19.24
18.97
16.31
17.28
19.76
19.17
Profit Margin (%)
21.35
22.72
21.02
25.29
20.26
30.1
28.73
28.52
28.57
33.58
28.9
21.71
30.25
30.68
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
58
13
13
- -
- -
- -
31
6
16
10
109
28
188
291
Total Equity
386
394
410
414
414
443
558
597
583
475
528
549
651
676
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
8.32
8.65
7.51
9.32
7.04
10.88
9.77
9.33
8.98
13.44
12.09
8.78
13.2
13.42

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
188
209
291
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
12
12
12
Market Capitalization
718
752
921

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
825
795
777
Accounts Receivable, Net
28
28
28
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.36%
2.56%
18.55%
Free Cash Flow
13.19%
10.2%
59.28%
Net Income, GAAP
14.14%
12.68%
67.55%
Sales/Revenue/Turnover
6.44%
7.1%
20.24%
Total Cash Common Dividend
15.96%
11.91%
13.72%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
48
49
58
62
218
2025
62
63
66
71
262
2026
68
72
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.93
0.96
0.74
- -
4
2025
1.55
1.57
1.75
- -
6.68
2026
1.67
1.91
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.45
0.45
0.45
- -
1.8
2025
0.51
0.51
0.51
- -
2.04
2026
0.56
0.56
- -
- -
- -

Company Description

CEO
Norman D. Lowery
Full Time Employees
946
Sector
Financial Services
Industry
Banks - Regional
Address
One First Financial Plaza Terre Haute IN United States of America 47807
IPO Date
Mar 2, 1992
Business
First Financial Corporation (NASDAQ: THFF) is a financial holding company providing banking and related services through its subsidiary First Financial Bank, N.A., across west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits; commercial loans to support business expansion and asset purchases; residential real estate and construction loans; home equity loans and lines; secured, cash/CD-secured, and unsecured consumer loans; lease financing; trust account and depositor services; investment advisory, brokerage, and wealth management; and insurance services. Founded in 1834 as a branch of the Second State Bank of Indiana and headquartered in Terre Haute, Indiana, First Financial Corporation completed the acquisition of SimplyBank in July 2024, adding 13 branches and a loan production office in Tennessee and expanding into Georgia; it also announced in August 2025 an all-stock agreement to acquire BankFinancial Corporation for $142 million to strengthen its Chicago-area presence with 18 additional financial centers.

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