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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.63
THFF's Cash to Debt is ranked lower than
62% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. THFF: 0.63 )
Ranked among companies with meaningful Cash to Debt only.
THFF' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.21 Max: 2.14
Current: 0.63
0.08
2.14
Equity to Asset 0.13
THFF's Equity to Asset is ranked higher than
77% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. THFF: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
THFF' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.12 Max: 0.14
Current: 0.13
0.09
0.14
Interest Coverage 8.68
THFF's Interest Coverage is ranked higher than
90% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. THFF: 8.68 )
Ranked among companies with meaningful Interest Coverage only.
THFF' s 10-Year Interest Coverage Range
Min: 0.36  Med: 0.62 Max: 8.68
Current: 8.68
0.36
8.68
F-Score: 5
WACC vs ROIC
9.55%
7.71%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 29.72
THFF's Operating margin (%) is ranked lower than
52% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. THFF: 29.72 )
Ranked among companies with meaningful Operating margin (%) only.
THFF' s 10-Year Operating margin (%) Range
Min: 26.21  Med: 32.95 Max: 40.72
Current: 29.72
26.21
40.72
Net-margin (%) 21.83
THFF's Net-margin (%) is ranked lower than
51% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. THFF: 21.83 )
Ranked among companies with meaningful Net-margin (%) only.
THFF' s 10-Year Net-margin (%) Range
Min: 19.67  Med: 24.20 Max: 29.22
Current: 21.83
19.67
29.22
ROE (%) 7.99
THFF's ROE (%) is ranked lower than
53% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. THFF: 7.99 )
Ranked among companies with meaningful ROE (%) only.
THFF' s 10-Year ROE (%) Range
Min: 7.66  Med: 10.66 Max: 12.9
Current: 7.99
7.66
12.9
ROA (%) 1.07
THFF's ROA (%) is ranked higher than
65% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. THFF: 1.07 )
Ranked among companies with meaningful ROA (%) only.
THFF' s 10-Year ROA (%) Range
Min: 0.94  Med: 1.12 Max: 1.38
Current: 1.07
0.94
1.38
Revenue Growth (3Y)(%) 3.70
THFF's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. THFF: 3.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
THFF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.2  Med: 5.60 Max: 12
Current: 3.7
-0.2
12
EBITDA Growth (3Y)(%) -1.10
THFF's EBITDA Growth (3Y)(%) is ranked lower than
73% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. THFF: -1.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
THFF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -4  Med: 4.60 Max: 15.3
Current: -1.1
-4
15.3
EPS Growth (3Y)(%) -3.40
THFF's EPS Growth (3Y)(%) is ranked lower than
77% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. THFF: -3.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
THFF' s 10-Year EPS Growth (3Y)(%) Range
Min: -6.4  Med: 4.30 Max: 14.4
Current: -3.4
-6.4
14.4
» THFF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

THFF Guru Trades in Q3 2014

Jim Simons 42,900 sh (+145.69%)
» More
Q4 2014

THFF Guru Trades in Q4 2014

Jim Simons 48,700 sh (+13.52%)
» More
Q1 2015

THFF Guru Trades in Q1 2015

James Barrow 97,285 sh (New)
Jim Simons 39,600 sh (-18.69%)
» More
Q2 2015

THFF Guru Trades in Q2 2015

Jim Simons 65,778 sh (+66.11%)
James Barrow 107,487 sh (+10.49%)
» More
» Details

Insider Trades

Latest Guru Trades with THFF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 13.07
THFF's P/E(ttm) is ranked lower than
51% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. THFF: 13.07 )
Ranked among companies with meaningful P/E(ttm) only.
THFF' s 10-Year P/E(ttm) Range
Min: 9.89  Med: 15.03 Max: 26.63
Current: 13.07
9.89
26.63
Forward P/E 12.85
THFF's Forward P/E is ranked lower than
64% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. THFF: 12.85 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.30
THFF's PE(NRI) is ranked higher than
50% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. THFF: 13.30 )
Ranked among companies with meaningful PE(NRI) only.
THFF' s 10-Year PE(NRI) Range
Min: 9.89  Med: 15.00 Max: 26.57
Current: 13.3
9.89
26.57
P/B 1.06
THFF's P/B is ranked lower than
51% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. THFF: 1.06 )
Ranked among companies with meaningful P/B only.
THFF' s 10-Year P/B Range
Min: 0.99  Med: 1.27 Max: 2.29
Current: 1.06
0.99
2.29
P/S 2.87
THFF's P/S is ranked lower than
51% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. THFF: 2.87 )
Ranked among companies with meaningful P/S only.
THFF' s 10-Year P/S Range
Min: 2.55  Med: 3.35 Max: 6.12
Current: 2.87
2.55
6.12
PFCF 8.38
THFF's PFCF is ranked higher than
60% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. THFF: 8.38 )
Ranked among companies with meaningful PFCF only.
THFF' s 10-Year PFCF Range
Min: 7.03  Med: 10.74 Max: 35.95
Current: 8.38
7.03
35.95
POCF 7.83
THFF's POCF is ranked higher than
57% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. THFF: 7.83 )
Ranked among companies with meaningful POCF only.
THFF' s 10-Year POCF Range
Min: 6.46  Med: 8.95 Max: 17.59
Current: 7.83
6.46
17.59
EV-to-EBIT 10.30
THFF's EV-to-EBIT is ranked higher than
66% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. THFF: 10.30 )
Ranked among companies with meaningful EV-to-EBIT only.
THFF' s 10-Year EV-to-EBIT Range
Min: 8.2  Med: 19.30 Max: 33.7
Current: 10.3
8.2
33.7
PEG 1.82
THFF's PEG is ranked lower than
70% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. THFF: 1.82 )
Ranked among companies with meaningful PEG only.
THFF' s 10-Year PEG Range
Min: 0.64  Med: 1.97 Max: 190.23
Current: 1.82
0.64
190.23
Shiller P/E 12.79
THFF's Shiller P/E is ranked higher than
67% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. THFF: 12.79 )
Ranked among companies with meaningful Shiller P/E only.
THFF' s 10-Year Shiller P/E Range
Min: 11.44  Med: 14.40 Max: 22.95
Current: 12.79
11.44
22.95
Days Sales Outstanding 27.57
THFF's Days Sales Outstanding is ranked higher than
62% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. THFF: 27.57 )
Ranked among companies with meaningful Days Sales Outstanding only.
THFF' s 10-Year Days Sales Outstanding Range
Min: 28.47  Med: 46.19 Max: 83.21
Current: 27.57
28.47
83.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.03
THFF's Dividend Yield is ranked higher than
55% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. THFF: 3.03 )
Ranked among companies with meaningful Dividend Yield only.
THFF' s 10-Year Dividend Yield Range
Min: 1.8  Med: 2.89 Max: 3.58
Current: 3.03
1.8
3.58
Dividend Payout 0.40
THFF's Dividend Payout is ranked lower than
61% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. THFF: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
THFF' s 10-Year Dividend Payout Range
Min: 0.39  Med: 0.72 Max: 1.29
Current: 0.4
0.39
1.29
Dividend growth (3y) 1.40
THFF's Dividend growth (3y) is ranked lower than
71% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. THFF: 1.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
THFF' s 10-Year Dividend growth (3y) Range
Min: 1.4  Med: 6.70 Max: 18.3
Current: 1.4
1.4
18.3
Yield on cost (5-Year) 3.26
THFF's Yield on cost (5-Year) is ranked higher than
50% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. THFF: 3.26 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
THFF' s 10-Year Yield on cost (5-Year) Range
Min: 1.95  Med: 3.13 Max: 3.88
Current: 3.26
1.95
3.88
Share Buyback Rate -0.20
THFF's Share Buyback Rate is ranked higher than
73% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. THFF: -0.20 )
Ranked among companies with meaningful Share Buyback Rate only.
THFF' s 10-Year Share Buyback Rate Range
Min: 1.9  Med: 0.20 Max: -4.2
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.18
THFF's Price/Tangible Book is ranked lower than
54% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. THFF: 1.18 )
Ranked among companies with meaningful Price/Tangible Book only.
THFF' s 10-Year Price/Tangible Book Range
Min: 1.05  Med: 1.46 Max: 2.44
Current: 1.18
1.05
2.44
Price/Projected FCF 0.56
THFF's Price/Projected FCF is ranked higher than
61% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. THFF: 0.56 )
Ranked among companies with meaningful Price/Projected FCF only.
THFF' s 10-Year Price/Projected FCF Range
Min: 0.51  Med: 0.69 Max: 1.15
Current: 0.56
0.51
1.15
Price/Median PS Value 0.85
THFF's Price/Median PS Value is ranked higher than
76% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. THFF: 0.85 )
Ranked among companies with meaningful Price/Median PS Value only.
THFF' s 10-Year Price/Median PS Value Range
Min: 0.77  Med: 1.04 Max: 1.75
Current: 0.85
0.77
1.75
Price/Graham Number 0.83
THFF's Price/Graham Number is ranked lower than
51% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. THFF: 0.83 )
Ranked among companies with meaningful Price/Graham Number only.
THFF' s 10-Year Price/Graham Number Range
Min: 0.66  Med: 0.99 Max: 1.61
Current: 0.83
0.66
1.61
Earnings Yield (Greenblatt) (%) 9.75
THFF's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. THFF: 9.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
THFF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3  Med: 5.20 Max: 12.1
Current: 9.75
3
12.1
Forward Rate of Return (Yacktman) (%) 12.77
THFF's Forward Rate of Return (Yacktman) (%) is ranked lower than
54% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. THFF: 12.77 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
THFF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.6  Med: 13.00 Max: 25.6
Current: 12.77
1.6
25.6

Analyst Estimate

Dec15 Dec16
EPS($) 2.33 2.52
EPS without NRI($) 2.33 2.52

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First Financial Corporation is a financial holding company. The Corporation was originally organized as an Indiana corporation in 1984 to operate as a bank holding company. First Financial Bank, N.A. or the Bank is the largest bank in Vigo County. It offers financial services including commercial, mortgage and consumer lending, lease financing, trust account services and depositor services through its subsidiaries. The Bank also has two investment subsidiaries, Portfolio Management Specialists A and Portfolio Management Specialists B. It operates full-service banking branches within Indiana and Illinois. The Corporation's primary source of revenue is derived from loans to customers, primarily middle income individuals and investment activities. The Corporation operates 73 branches in west-central Indiana and east-central Illinois. The Bank is the largest bank in Vigo County. It operates 11 full-service banking branches within the county; one in Daviess County, Indiana; four in Clay County, Indiana; one in Greene County, Indiana; three in Knox County, Indiana; five in Parke County, Indiana; one in Putnam County, Indiana; four in Sullivan County, Indiana; one in Vanderburgh County, Indiana; four in Vermillion County, Indiana; five in Champaign County, Illinois; one in Clark County, Illinois; three in Coles County, Illinois; three in Crawford County, Illinois; two in Franklin County, Illinois; one in Jasper County, Illinois; two in Jefferson County, Illinois; one in Lawrence County, Illinois; three in Livingston County, Illinois; two in Marion County, Illinois; three in McLean County, Illinois; one in Montgomery County, Illinois; two in Richland County, Illinois; seven in Vermilion County, Illinois; and one in Wayne County, Illinois. It also has a main office in downtown Terre Haute and an operations center or office building in southern Terre Haute. The Corporation's business activities are centered in west-central Indiana and east-central Illinois. The Corporation has no foreign activities other than periodically investing available funds in time deposits held in foreign branches of domestic banks. The Corporation is a multi-bank holding company and is regulated by various banking agencies. The holding company is regulated by the Seventh District of the Federal Reserve System.
» More Articles for THFF

Headlines

Articles On GuruFocus.com
First Financial Corporation Declares Semi-Annual Dividend Nov 21 2014 
Seven Dividend Hikers in the News Dec 10 2012 
comment on THFF Apr 03 2012 
Notable Dividend Hikes: BBOX DE, MDT, SFL, THFF May 24 2011 
Seven Dividend Stocks Increasing Distributions May 23 2011 
Guru Stocks Raising Dividends: The Clorox Company, First Financial Corp. Indiana, Bunge Ltd., Transa May 29 2010 
Companies Raising Dividends: The Clorox Company, First Financial Corporation, Bunge Limited, Transat May 24 2010 

More From Other Websites
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First Financial Bankshares Completes Acquisition Of First Bank, N.A. Jul 31 2015
FIRST FINANCIAL CORP /IN/ Files SEC form 8-K, Financial Statements and Exhibits Jul 28 2015
First Financial Corp. posts 2Q profit Jul 28 2015
First Financial Corp. posts 2Q profit Jul 28 2015
First Financial Corporation Reports 2nd Quarter Results Jul 28 2015
First Financial acquires Oak Street Holdings Jul 23 2015
First Financial Bank Expands Service Offerings with Acquisition of Oak Street Holdings Corporation Jul 23 2015
First Financial Bancorp to Announce Second Quarter 2015 Financial Results on Thursday, July 30, 2015 Jul 14 2015
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FIRST FINANCIAL CORP /IN/ Files SEC form 8-K, Financial Statements and Exhibits Jun 24 2015
Acquisition of Equity Interest in First Financial Jun 02 2015
Knowledge First Financial's commitment to ethical practices is unwavering Jun 02 2015

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