Stock THFF FIRST FINANCIAL CORPORATION
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Financials First Financial Corporation

Equities

THFF

US3202181000

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
36.86 USD -0.22% Intraday chart for First Financial Corporation +0.68% -14.34%
Mar. 19 First Financial Keeps Quarterly Dividend at $0.45 Per Share, Payable on April 15 to Shareholders of Record on April 1 MT
Mar. 19 First Financial Corporation Declares Quarterly Dividend, Payable on April 15, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 627 532.8 583 554 505.8 435.5 -
Enterprise Value (EV) 1 627 532.8 583 554 505.8 435.5 435.5
P/E ratio 12 x 9.89 x 11.3 x 7.92 x 8.47 x 8.3 x 6.92 x
Yield 2.27% 2.7% 2.56% 2.78% 2.3% 4.27% 4.35%
Capitalization / Revenue 3.69 x 2.82 x 3.07 x 2.56 x 2.41 x 1.89 x 1.78 x
EV / Revenue 3.69 x 2.82 x 3.07 x 2.56 x 2.41 x 1.89 x 1.78 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.13 x 0.88 x 0.98 x 1.17 x 0.96 x 0.8 x 0.72 x
Nbr of stocks (in thousands) 13,713 13,715 12,872 12,022 11,755 11,814 -
Reference price 2 45.72 38.85 45.29 46.08 43.03 36.86 36.86
Announcement Date 2/6/20 2/2/21 2/1/22 2/7/23 1/30/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 170.1 188.8 189.8 216.4 210 229.8 244.7
EBITDA - - - - - - -
EBIT 1 70.77 76.06 72.44 90.39 79.69 82.99 90.23
Operating Margin 41.6% 40.28% 38.16% 41.77% 37.95% 36.11% 36.88%
Earnings before Tax (EBT) 1 61.06 65.54 65.61 87.76 72.49 71.57 76.04
Net income 1 48.87 53.84 52.99 71.11 60.67 51.61 60.56
Net margin 28.73% 28.52% 27.91% 32.86% 28.9% 22.46% 24.75%
EPS 2 3.800 3.930 4.020 5.820 5.080 4.443 5.330
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.040 1.050 1.160 1.280 0.9900 1.573 1.603
Announcement Date 2/6/20 2/2/21 2/1/22 2/7/23 1/30/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 47.12 48.72 51.55 50.74 55.24 48.52 53.71 52.64 52.78 50.84 50.79 57.41 60.84 61.28 59.92
EBITDA - - - - - - - - - - - - - - -
EBIT 1 18.66 15.41 20.2 19.72 23.74 16.02 21.39 21.19 20.51 16.59 17.59 20.28 22.29 22.83 21.49
Operating Margin 39.6% 31.63% 39.2% 38.86% 42.97% 33.02% 39.82% 40.26% 38.87% 32.64% 34.63% 35.33% 36.63% 37.26% 35.86%
Earnings before Tax (EBT) 1 20.16 8.577 26.76 19.32 22.69 19 19.59 19.49 19.31 14.1 14.36 17.42 19.76 20.6 18.01
Net income 1 16.1 7.398 20.92 15.61 18.05 16.52 15.98 15.99 16.28 12.42 11.46 9.776 14.63 15.71 14.04
Net margin 34.16% 15.18% 40.59% 30.77% 32.68% 34.05% 29.75% 30.37% 30.86% 24.43% 22.57% 17.03% 24.05% 25.63% 23.43%
EPS 2 1.240 0.5800 1.670 1.270 1.500 1.370 1.330 1.330 1.370 1.060 0.9800 0.8400 1.260 1.363 1.220
Dividend per Share 2 - 0.6300 - 0.5400 - 0.7400 - - - 0.4500 0.3000 0.4867 0.3000 0.4867 0.2300
Announcement Date 10/26/21 2/1/22 4/26/22 7/26/22 10/25/22 2/7/23 4/25/23 7/25/23 10/24/23 1/30/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 9.83% 9.07% 8.87% 14.4% 12.5% 10.7% 10.9%
ROA (Net income/ Total Assets) 1.42% 1.25% 1.1% 1.41% 1.26% 1.07% 1.1%
Assets 1 3,442 4,308 4,817 5,043 4,815 4,809 5,523
Book Value Per Share 2 40.60 44.00 46.10 39.40 44.80 46.30 51.30
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 2/6/20 2/2/21 2/1/22 2/7/23 1/30/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for First Financial Corporation

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
3
Last Close Price
36.86 USD
Average target price
43.5 USD
Spread / Average Target
+18.01%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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