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FIRST FINANCIAL CORP

THFFNASDAQ
๐Ÿ† #2436 by market capEarnings Oct 26US Equity
$81.53โ–ฒ $0.19 (+0.23%)
Live
1hโ–ผ 0.6%
24hโ–ฒ 0.2%
7dโ–ผ 1.7%
14dโ–ฒ 2.4%
30dโ–ฒ 8.3%
1yโ–ฒ 45.8%
๐ŸฆMarket Cap
$970M
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
+6.2%
Slowing
๐Ÿ“ŠGross Margin
78.3%
High
๐Ÿ’ตFCF Margin
28.9%
Strong
โš–๏ธP/S Ratio
2.9x
Cheap
Otter Score
61
Fair

Trading Snapshot

Day Range
$81.20 โ€“ $82.52
52-Week Range
$51.21 โ€“ $83.83
Volume
$3.56B
Avg Volume
$3.87B
Shares Outstanding
11.9M
Next Earnings
Sep 20, 2026

Fundamentals Snapshot

Annual Revenue
$326M
Last Q Revenue
$95M
P/E Ratio
11.4
P/S Ratio
2.9x
EPS (TTM)
$7.13
Dividend Yield
2.69%

Why Investors Own THFF

  • โœ“High-growth profile โ€” revenue up +45.1% YoY with expanding US Equity exposure.
  • โœ“Healthy economics โ€” 44% gross margin and 16% free-cash-flow margin.
  • โœ“New products and segments could unlock additional revenue streams.
โš ๏ธ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$326Mโ–ฒ +43.8% YoY
Gross Margin (TTM)
44.1%โ–ฒ +3.1% YoY
Operating Income (TTM)
$108Mโ–ฒ +43.8% YoY
Free Cash Flow (TTM)
$51Mโ–ฒ +43.8% YoY

About FIRST FINANCIAL CORP

First Financial Corporation operates as the bank holding company for First Financial Bank N.A. that provides various financial services for individuals and businesses in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia in the United States. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits; checking and savings accounts; personal and business certificates of deposit; and digital banking services. It also provides commercial loans primarily to expand a business or finance asset purchases; real estate mortgages, including residential real estate and residential real estate construction loans; home equity loans and lines, secured loans, cash/CD secured loans, and unsecured loans; mortgage refinance; personal and auto loans; and credit cards. In addition, the company offers lease financing, trust account, and depositor services; business services, including accounts receivable and payable, merchant services, fraud protection, money management, and workplace rewards; and wealth services. The company was formerly known as Terre Haute First Corporation and changed its name to First Financial Corporation in December 1984. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.

๐Ÿฆฆ

Otter Score Breakdown

โ“˜
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Fair
61/100

Analyst Ratings

โ“˜
Consensus
Buy
9 analysts
Strong Buy2
Buy4
Hold3
Sell0
Strong Sell0
Ratings as of Aug 2026

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