Price
No data yet.
Social Signal Score
Revenue
$94.86M+168.18%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Norman D. Lowery
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 946
- Beta
- 0.40
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 0.57
Financials
Revenue
$94.86M+168.2%Net Income
$22.74M+178.6%EBITDA
$28.14M+127.9%Free Cash Flow
$16.77M+18.6%EPS (diluted)
$1.91+185.1%Shares Outstanding (diluted)
11.89M-2.4%Operating Expenses
$29.18MCash & Debt
$1.26BReturn of Capital
$6.66MRevenue by Segment (annual)
$6.42MDividend per Share
$0.56Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $326.44M | $79.21M | $6.68 |
| 2024 | $307.51M | $47.27M | $4.00 |
| 2023 | $271.10M | $60.67M | $5.08 |
| 2022 | $230.02M | $71.11M | $5.82 |
| 2021 | $194.28M | $52.99M | $4.02 |
| 2020 | $202.96M | $53.84M | $3.93 |
| 2019 | $187.57M | $48.87M | $3.80 |
| 2018 | $164.43M | $46.58M | $3.80 |
| 2017 | $150.13M | $29.13M | $2.38 |
| 2016 | $156.31M | $38.41M | $3.12 |
| 2015 | $147.85M | $30.20M | $2.35 |
| 2014 | $154.14M | $33.77M | $2.55 |
| 2013 | $156.68M | $31.53M | $2.37 |
| 2012 | $161.85M | $32.81M | $2.48 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from THFF's reported EPS growth of 7.9% a year over 13 years.
- EPS in 5 years
- $9.77
- Implied price
- $87.96
- Return from $79.34
- 2.1% a year
To earn 15.0% a year on these assumptions you'd need to buy at $43.73 — -44.9% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 5 | 7 | 9 | 11 | 13 |
|---|---|---|---|---|---|
| -2.1% | -17.6% | -11.9% | -7.4% | -3.6% | -0.3% |
| 2.9% | -13.4% | -7.4% | -2.6% | 1.3% | 4.8% |
| 7.9% | -9.2% | -2.9% | 2.1% | 6.3% | 9.9% |
| 12.9% | -5.0% | 1.6% | 6.8% | 11.2% | 15.0% |
| 17.9% | -0.8% | 6.1% | 11.5% | 16.1% | 20.1% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
120+0.00%Social Signal Score
Mentions (2)
- Newszacks.com·1d ago·Positive
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?
View source ↗ - Newszacks.com·18d ago·Positive
Are You Looking for a High-Growth Dividend Stock? 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?
View source ↗
Earnings
Tue, Oct 27(in 7 weeks)
Consensus estimate $2.00 per share
Typical surprise +7.1% (median, so one quarter with a near-zero estimate can't distort it)
- Tue, Jul 28$1.91 vs $1.79beat
- Tue, Apr 28$1.67 vs $1.64beat
- Tue, Feb 3$1.81 vs $1.69beat
- Tue, Oct 28$1.75 vs $1.61beat
- Tue, Jul 22$1.57 vs $1.43beat
- Tue, Apr 22$1.55 vs $1.29beat
Estimates and results for THFF via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by THFF officers and directors.
- Bought
- $1.0m
- Sold
- $215k
61 trades
3 trades
- Mcdonald James Obought
- Franklin Mark Allensold
- Jensen Susan Mbought
- Mcdonald James Obought
- Jensen Susan Mbought
- Jensen Susan Mbought
- Jensen Susan Mbought
- Blade Mark Jason Srbought
36 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.