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First Financial Corporation Indiana

First Financial Corporation Indiana

THFF · NASDAQ · Financial Services / Banks - Regional

77.20USD+0.21 (+0.27%)

Price History

Full chart

Market Stats

Previous Close76.99
Open77.11
Day Range76.46 – 77.30
52-Week Range49.92 – 84.17
Volume109.20K
Market Cap898.55M
P/E (TTM)10.58
Forward P/E8.94
EPS7.14
Dividend Yield2.96%
Beta0.40
50-Day Avg78.87
200-Day Avg69.65

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Norman D. Lowery
  • Employees946
  • HeadquartersOne First Financial Plaza, Terre Haute, IN, United States, 47807, USA
  • Websitehttps://www.first-online.bank

Leadership

  • Mr. Norman L. Lowery J.D.Executive Chairman · b. 1946
  • Mr. Norman D. LoweryPresident, CEO & Director · b. 1968
  • Mr. Rodger A. McHargueSenior VP, Secretary, Treasurer & CFO · b. 1962
  • Mr. Stephen P. PanagouleasSenior VP & Chief Credit Officer · b. 1973
  • Mr. Mark A. FranklinSenior VP & Chief Lending Officer · b. 1979
  • Mr. Bob RenockChief Marketing Officer
  • Mr. Terry TevlinVice President of Marketing · b. 1954

Financials

Income Statement

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue87.50M87.90M90.60M91.70M106.60M123.60M131.40M139.70M145.60M160.03M166.14M166.73M153.48M152.64M153.67M159.66M169.23M165.51M165.56M153.38M149.68M161.85M156.68M154.14M147.85M156.31M150.13M164.43M187.57M202.96M194.28M230.02M271.10M307.51M326.44M
Growth (%)-+0.46%+3.07%+1.21%+16.25%+15.95%+6.31%+6.32%+4.22%+9.91%+3.82%+0.35%-7.95%-0.55%+0.67%+3.90%+6.00%-2.20%+0.03%-7.36%-2.41%+8.13%-3.20%-1.62%-4.08%+5.72%-3.95%+9.52%+14.07%+8.20%-4.28%+18.39%+17.86%+13.43%+6.16%
Cost of Revenue49.10M42.00M40.30M40.10M53.00M62.30M67.50M71.80M71.50M84.97M80.74M67.56M55.68M52.98M59.17M64.11M69.54M60.34M51.13M36.17M22.90M22.17M16.82M10.60M8.87M7.71M11.63M15.41M22.17M24.67M11.26M16.23M68.43M105.92M72.85M
Gross Profit38.40M45.90M50.30M51.60M53.60M61.30M63.90M67.90M74.10M75.05M85.40M99.17M97.80M99.66M94.50M95.55M99.69M105.16M114.42M117.21M126.78M139.69M139.85M143.54M138.99M148.60M138.50M149.02M165.40M178.29M183.02M213.78M202.67M201.59M253.59M
Gross Margin43.89%52.22%55.52%56.27%50.28%49.60%48.63%48.60%50.89%46.90%51.40%59.48%63.72%65.29%61.50%59.84%58.91%63.54%69.12%76.42%84.70%86.30%89.26%93.12%94.00%95.07%92.25%90.63%88.18%87.85%94.20%92.94%74.76%65.56%77.68%
Operating Expense26.30M29.00M33.30M34.80M35.50M39.10M39.70M42.50M43.60M42.70M53.33M63.32M62.46M63.66M63.54M64.66M64.73M72.59M84.15M77.20M75.19M93.06M94.55M95.58M98.40M90.31M88.75M91.29M104.41M112.76M117.41M126.02M130.18M144.44M154.23M
Operating Income12.10M16.90M17.00M16.80M18.10M22.20M24.20M25.40M30.50M32.35M32.07M35.85M35.34M36.01M30.97M30.89M34.96M32.57M30.27M40.01M51.59M46.63M45.30M47.96M40.59M58.30M49.75M57.73M61.00M65.54M65.61M87.76M72.49M57.15M99.36M
Operating Margin13.83%19.23%18.76%18.32%16.98%17.96%18.42%18.18%20.95%20.21%19.30%21.50%23.03%23.59%20.15%19.35%20.66%19.68%18.29%26.09%34.47%28.81%28.91%31.11%27.45%37.29%33.14%35.11%32.52%32.29%33.77%38.15%26.74%18.59%30.44%
EBITDA13.70M20.70M22.30M19.50M18.50M22.70M24.70M27.20M33.70M33.50M33.44M37.86M38.78M41.28M32.87M36.95M35.79M36.11M34.47M44.65M55.49M51.73M50.78M53.94M46.08M63.26M54.18M61.89M65.83M71.63M71.77M93.87M79.02M67.10M108.46M
EBITDA Margin15.66%23.55%24.61%21.26%17.35%18.37%18.80%19.47%23.15%20.93%20.13%22.71%25.27%27.05%21.39%23.14%21.15%21.82%20.82%29.11%37.07%31.96%32.41%34.99%31.16%40.47%36.09%37.64%35.09%35.29%36.94%40.81%29.15%21.82%33.22%
Net Income8.30M11.70M12.70M12.30M13.30M16.00M18.10M18.60M21.60M23.21M24.20M28.64M26.49M28.01M23.05M23.54M25.58M24.77M22.72M28.04M37.20M32.81M31.53M33.77M30.20M38.41M29.13M46.58M48.87M53.84M52.99M71.11M60.67M47.27M79.21M
Net Income Margin9.49%13.31%14.02%13.41%12.48%12.94%13.77%13.31%14.84%14.51%14.56%17.18%17.26%18.35%15.00%14.74%15.12%14.97%13.72%18.28%24.85%20.27%20.13%21.91%20.42%24.57%19.40%28.33%26.05%26.53%27.27%30.91%22.38%15.37%24.26%
R&D--------------------00000000-------
R&D as % of Total Revenue--------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense45.30M38.30M37.70M37.50M50.70M57.80M62.10M66.40M66.80M80.58M74.13M58.09M48.23M44.69M47.47M57.13M62.96M52.49M39.26M26.97M17.15M13.39M8.96M5.53M4.17M4.41M6.34M9.64M17.47M14.14M8.80M18.26M61.13M89.76M75.80M
Interest Expense % of Total Revenue51.77%43.57%41.61%40.89%47.56%46.76%47.26%47.53%45.88%50.36%44.62%34.84%31.42%29.28%30.89%35.78%37.20%31.71%23.71%17.58%11.46%8.27%5.72%3.58%2.82%2.82%4.22%5.87%9.31%6.97%4.53%7.94%22.55%29.19%23.22%

Balance Sheet

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.01B1.12B1.21B1.26B1.44B1.62B1.63B1.85B1.91B2.04B2.04B2.17B2.22B2.18B2.14B2.18B2.23B2.30B2.52B2.45B2.95B2.90B3.02B3.00B2.98B2.99B3.00B3.01B4.02B4.56B5.18B4.99B4.85B5.56B5.76B
Total Liabilities932.40M1.03B1.10B1.15B1.31B1.47B1.47B1.67B1.74B1.85B1.82B1.93B1.97B1.92B1.87B1.90B1.95B2.02B2.21B2.13B2.61B2.52B2.63B2.61B2.57B2.57B2.59B2.57B3.47B3.96B4.59B4.51B4.32B5.01B5.11B
Total Equity73.70M83.40M108.40M112.60M130.10M150.40M165.50M182.20M168.70M191.22M217.51M241.97M255.28M268.33M269.32M271.26M281.69M286.84M306.48M321.72M346.96M372.12M386.19M394.21M410.32M414.39M413.57M442.70M557.61M596.99M582.58M475.29M527.98M549.04M650.87M
Cash70.20M54.30M43.50M51.90M62.70M67.80M53.80M54.90M58.10M68.75M68.20M96.04M94.20M94.93M78.20M77.68M70.08M67.30M84.37M58.51M134.28M87.23M71.03M78.10M88.69M75.01M74.11M74.39M127.43M657.47M688.03M222.52M76.76M93.53M130.37M
Total Debt71.00M135.90M127.20M144.00M224.70M278.40M256.20M385.70M445.80M507.77M480.67M457.64M451.86M438.01M370.09M358.01M368.62M406.65M363.17M159.90M346.47M160.26M117.88M60.90M46.51M162.11M115.37M69.66M111.09M121.92M115.53M80.46M175.80M215.18M480.68M
Net Debt800.00K81.60M83.70M92.10M162.00M210.60M202.40M330.80M387.70M439.02M412.47M361.60M357.66M343.08M291.89M280.33M298.53M339.36M278.80M101.39M212.19M73.03M46.85M-17.20M-42.19M87.10M41.27M-4.73M-47.31M-541.41M-572.50M-142.05M99.04M121.65M350.31M

Cash Flow

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow10.90M17.10M17.80M17.30M10.80M18.80M23.70M23.90M43.90M8.56M30.77M34.88M44.81M43.34M39.01M42.41M35.50M36.53M29.39M48.56M43.24M54.65M62.70M57.84M41.26M41.19M50.13M57.45M49.90M77.42M55.07M78.79M86.09M60.37M90.41M
Investing Cash Flow-124.40M-126.50M-27.90M-19.20M-156.40M-78.70M-29.00M-176.70M-77.70M-114.19M13.57M62.70M-74.60M19.95M6.95M-53.34M-64.21M-98.12M-36.77M28.22M1.80M-3.79M-16.37M35.53M19.66M-44.05M-26.67M-34.32M-32.87M-16.25M-317.38M-433.69M-22.10M-66.12M-126.16M
Financing Cash Flow113.20M100.10M1.10M10.30M156.30M61.20M-7.50M153.80M37.00M116.31M-44.88M-69.74M27.94M-62.56M-62.69M10.41M21.11M58.80M24.46M-102.64M30.72M-97.84M-62.53M-86.31M-50.33M-10.82M-24.37M-22.84M36.00M468.87M287.65M-110.61M-209.75M22.52M72.59M
Capital Expenditure2.10M2.50M1.80M2.80M5.70M3.00M1.60M2.40M4.90M3.42M2.55M2.44M1.76M4.46M2.91M5.01M1.94M2.62M6.66M2.41M1.48M11.06M2.52M5.30M3.50M3.05M2.98M2.01M1.10M3.91M3.83M1.43M6.54M6.11M3.98M
Free Cash Flow8.80M14.60M16.00M14.50M5.10M15.80M22.10M21.50M39.00M5.15M28.22M32.44M43.05M38.88M36.10M37.39M37.44M33.91M22.73M46.15M41.77M43.59M60.17M52.55M37.76M38.14M47.16M55.44M48.80M73.52M51.23M77.36M79.55M54.26M86.42M
Dividends Paid1.70M2.00M2.50M3.00M3.20M3.70M4.70M5.60M6.20M6.93M7.59M8.21M8.85M10.15M10.78M11.18M11.37M11.55M11.81M11.94M12.23M12.43M12.77M12.95M12.63M12.36M30.56M12.50M12.65M14.27M14.18M14.46M15.38M21.25M24.16M
FCF to OCF80.73%85.38%89.89%83.82%47.22%84.04%93.25%89.96%88.84%60.10%91.72%93.00%96.08%89.71%92.55%88.17%105.46%92.82%77.36%95.05%96.59%79.77%95.98%90.84%91.53%92.60%94.06%96.50%97.79%94.95%93.04%98.19%92.40%89.88%95.59%
Dividend Paid to FCF19.32%13.70%15.63%20.69%62.75%23.42%21.27%26.05%15.90%134.73%26.88%25.31%20.55%26.12%29.85%29.90%30.37%34.06%51.93%25.87%29.28%28.50%21.21%24.64%33.45%32.40%64.80%22.54%25.92%19.41%27.68%18.69%19.34%39.16%27.96%

Earnings

Report DateOct 29, 1996Mar 31, 1998Jun 30, 1998Sep 30, 1998Dec 31, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Dec 31, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jul 22, 2003Oct 21, 2003Feb 5, 2004Apr 28, 2004Aug 1, 2004Oct 21, 2004Feb 3, 2005Apr 25, 2005Aug 1, 2005Oct 21, 2005Jan 20, 2006Apr 28, 2006Jul 27, 2006Oct 31, 2006Jan 19, 2007Apr 19, 2007Jul 19, 2007Oct 19, 2007Jan 17, 2008Apr 16, 2008Jul 24, 2008Oct 28, 2008Jan 28, 2009Apr 29, 2009Aug 3, 2009Oct 27, 2009Jan 28, 2010Apr 23, 2010Jul 22, 2010Oct 22, 2010Jan 26, 2011May 9, 2011Jul 21, 2011Nov 9, 2011Jan 31, 2012May 10, 2012Jul 30, 2012Oct 30, 2012Feb 8, 2013Apr 29, 2013Jul 29, 2013Oct 29, 2013Feb 5, 2014Apr 29, 2014Jul 29, 2014Oct 30, 2014Feb 3, 2015Apr 29, 2015Jul 28, 2015Oct 28, 2015Feb 8, 2016Apr 27, 2016Jul 25, 2016Oct 25, 2016Feb 7, 2017Apr 26, 2017Jul 25, 2017Oct 23, 2017Feb 6, 2018Apr 24, 2018Jul 24, 2018Oct 23, 2018Feb 1, 2019Apr 23, 2019Jul 23, 2019Oct 25, 2019Feb 6, 2020Apr 29, 2020Jul 31, 2020Oct 28, 2020Feb 2, 2021Apr 27, 2021Jul 27, 2021Oct 26, 2021Feb 1, 2022Apr 26, 2022Jul 26, 2022Oct 25, 2022Feb 7, 2023Apr 25, 2023Jul 25, 2023Oct 24, 2023Jan 30, 2024Apr 30, 2024Jul 23, 2024Oct 22, 2024Feb 4, 2025Apr 22, 2025Jul 22, 2025Oct 28, 2025Feb 3, 2026Apr 28, 2026Jul 28, 2026Oct 27, 2026
EPS Estimate0.29-----------------------------------0.440.43-0.480.490.470.480.510.510.460.380.500.510.490.530.550.500.520.570.630.630.640.590.610.590.570.570.540.550.570.600.600.630.610.600.610.620.560.610.660.670.640.690.700.710.760.840.890.910.820.840.921.000.640.610.730.890.830.911.171.101.041.091.351.381.251.221.171.130.980.971.221.281.301.401.591.721.641.712.00
EPS Actual0.260.310.290.340.350.350.390.400.420.400.450.450.430.440.430.460.460.490.480.450.680.520.450.470.500.790.470.440.370.480.370.470.410.410.480.410.460.480.490.480.490.530.550.550.550.350.350.590.450.430.590.480.640.670.640.750.770.560.660.610.650.580.480.640.700.590.630.620.710.600.540.650.560.620.680.670.460.770.680.720.730.731.250.920.900.821.041.031.320.890.871.021.150.951.241.240.991.671.271.501.371.331.331.371.060.930.960.741.371.551.571.751.811.671.91-
Surprise-10.34%-----------------------------------4.55%11.63%-0.00%0.00%12.77%14.58%7.84%7.84%-23.91%-7.89%18.00%-11.76%-12.24%11.32%-12.73%28.00%28.85%12.28%19.05%22.22%-12.50%11.86%0.00%10.17%1.75%-15.79%18.52%27.27%3.51%5.00%3.33%12.70%-1.64%-10.00%6.56%-9.68%10.71%11.48%1.52%-31.34%20.31%-1.45%2.86%2.82%-3.95%48.81%3.37%-1.10%0.00%23.81%11.96%32.00%39.06%42.62%39.73%29.21%14.46%36.26%5.98%-10.00%60.58%16.51%11.11%-0.72%6.40%9.02%17.09%-6.19%-5.10%-1.03%-39.34%7.03%19.23%12.14%10.06%5.23%1.83%11.70%-
Timing------------------------------------After-hoursAfter-hours-Pre-marketAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-Pre-market-Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-

Key Statistics & Ratios

Market Cap898.55M
Enterprise Value1.41B
Trailing P/E10.58
Forward P/E8.94
PEG Ratio9.51
Price / Sales3.35
Price / Book1.31
EPS7.14
Book Value55.10
Revenue (TTM)268.17M
Gross Profit (TTM)268.17M
Profit Margin31.61%
Operating Margin40.71%
Return on Equity13.42%
Return on Assets1.44%
Shares Outstanding11.89M
Shares Float11.29M
Beta0.40
Dividend Yield2.96%
Dividend Rate2.24
Payout Ratio31.37%

Analyst Ratings

Buy
Based on 3 analystsTarget 86.00
  • Strong Buy
    1
  • Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
63.37%
Insiders
3.73%
Retail / Other
32.90%

Top Institutional Holders

  • BlackRock Inc
    1.50M12.60%
  • Dimensional Fund Advisors, Inc.
    716.11K6.02%
  • First Financial Corp
    631.11K5.31%
  • Vanguard Capital Management, LLC
    478.09K4.02%
  • State Street Corp
    464.44K3.91%
  • Charles Schwab Investment Management Inc
    428.38K3.60%
  • American Century Companies Inc
    409.66K3.44%
  • LSV Asset Management
    387.56K3.26%
  • Geode Capital Management, LLC
    293.56K2.47%
  • Vanguard Portfolio Management, LLC
    280.52K2.36%
  • AQR Capital Management LLC
    220.89K1.86%
  • JPMorgan Chase & Co
    178.24K1.50%
  • Acadian Asset Management LLC
    171.82K1.44%
  • Allspring Global Investments Holdings, LLC
    162.67K1.37%
  • The Goldman Sachs Group Inc
    162.33K1.37%

Top Fund Holders

  • Avantis US Small Cap Value ETF
    357.34K3.00%
  • Vanguard MStar Total Stk Mkt Idx Invest
    340.61K2.86%
  • iShares Russell 2000 ETF
    322.64K2.71%
  • Schwab US Dividend Equity ETF™
    321.93K2.71%
  • DFA US Small Cap Value I
    152.56K1.28%

Dividends

20263×
0.56Jul 1, 20260.56Apr 1, 20260.56Jan 2, 2026
20254×
0.51Oct 1, 20250.51Jul 1, 20250.51Apr 1, 20250.51Jan 3, 2025
20243×
0.45Oct 1, 20240.45Jul 1, 20240.45Mar 28, 2024
20233×
0.45Dec 29, 20230.54Jun 15, 20230.54Jan 5, 2023
20222×
0.54Jun 16, 20220.53Jan 6, 2022
20212×
0.53Jun 16, 20210.53Jan 7, 2021
20202×
0.52Jun 12, 20200.52Jan 7, 2020
20192×
0.52Jun 14, 20190.51Jan 7, 2019
20182×
0.51Jun 14, 20180.51Jan 5, 2018
20171×
1.50Nov 16, 2017

Stock Splits

  • Oct 16, 20032:1
  • Jan 7, 199821:20
  • Jun 14, 199621:20
  • Jun 16, 199521:20
  • Oct 25, 19932:1