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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 0.93
THFF's Cash-to-Debt is ranked lower than
65% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. THFF: 0.93 )
Ranked among companies with meaningful Cash-to-Debt only.
THFF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.22 Max: 1.91
Current: 0.93
0.13
1.91
Equity-to-Asset 0.14
THFF's Equity-to-Asset is ranked higher than
82% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. THFF: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
THFF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.12 Max: 0.14
Current: 0.14
0.09
0.14
Interest Coverage 13.23
THFF's Interest Coverage is ranked higher than
91% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. THFF: 13.23 )
Ranked among companies with meaningful Interest Coverage only.
THFF' s Interest Coverage Range Over the Past 10 Years
Min: 0.56  Med: 3.25 Max: 13.23
Current: 13.23
0.56
13.23
Piotroski F-Score: 6
Beneish M-Score: -2.02
WACC vs ROIC
7.68%
9.58%
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 % 38.38
THFF's Operating Margin % is ranked higher than
68% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. THFF: 38.38 )
Ranked among companies with meaningful Operating Margin % only.
THFF' s Operating Margin % Range Over the Past 10 Years
Min: 26.21  Med: 31.53 Max: 38.93
Current: 38.38
26.21
38.93
Net Margin % 25.29
THFF's Net Margin % is ranked higher than
59% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. THFF: 25.29 )
Ranked among companies with meaningful Net Margin % only.
THFF' s Net Margin % Range Over the Past 10 Years
Min: 19.67  Med: 22.45 Max: 28.06
Current: 25.29
19.67
28.06
ROE % 9.27
THFF's ROE % is ranked higher than
56% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. THFF: 9.27 )
Ranked among companies with meaningful ROE % only.
THFF' s ROE % Range Over the Past 10 Years
Min: 7.51  Med: 8.82 Max: 11.12
Current: 9.27
7.51
11.12
ROA % 1.29
THFF's ROA % is ranked higher than
74% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. THFF: 1.29 )
Ranked among companies with meaningful ROA % only.
THFF' s ROA % Range Over the Past 10 Years
Min: 0.94  Med: 1.12 Max: 1.38
Current: 1.29
0.94
1.38
3-Year Revenue Growth Rate 3.60
THFF's 3-Year Revenue Growth Rate is ranked lower than
54% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. THFF: 3.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
THFF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -0.2  Med: 4.8 Max: 12.1
Current: 3.6
-0.2
12.1
3-Year EBITDA Growth Rate 7.50
THFF's 3-Year EBITDA Growth Rate is ranked higher than
56% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. THFF: 7.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
THFF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -4.1  Med: 4.6 Max: 15.3
Current: 7.5
-4.1
15.3
3-Year EPS without NRI Growth Rate 9.60
THFF's 3-Year EPS without NRI Growth Rate is ranked higher than
57% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. THFF: 9.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
THFF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -6.4  Med: 3.5 Max: 14.4
Current: 9.6
-6.4
14.4
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» THFF's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-04-27)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

THFF Guru Trades in Q1 2016

Jim Simons 159,700 sh (+15.81%)
Barrow, Hanley, Mewhinney & Strauss 127,396 sh (+5.71%)
» More
Q2 2016

THFF Guru Trades in Q2 2016

Barrow, Hanley, Mewhinney & Strauss 126,835 sh (-0.44%)
Jim Simons 136,500 sh (-14.53%)
» More
Q3 2016

THFF Guru Trades in Q3 2016

Barrow, Hanley, Mewhinney & Strauss 122,857 sh (-3.14%)
Jim Simons 127,300 sh (-6.74%)
» More
Q4 2016

THFF Guru Trades in Q4 2016

Jim Simons 139,719 sh (+9.76%)
Barrow, Hanley, Mewhinney & Strauss 122,328 sh (-0.43%)
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:HBNC, NAS:PCBK, NAS:QCRH, NYSE:OFG, NAS:PGC, NAS:MBWM, NAS:PEBO, NAS:FFWM, NAS:MSBI, NAS:HTBK, NAS:CACB, NAS:OKSB, NAS:GNBC, NAS:LION, NYSE:FSB, NAS:TSC, NYSE:SCNB, NAS:BHBK, NAS:PSTB, NAS:XBKS » details
First Financial Corporation is a financial holding company. It offers financial services such as commercial, mortgage and consumer lending, lease financing, trust account services and depositor services through its subsidiaries.

First Financial Corp 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 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,middle income individuals and investment activities. The Corporation operates 73 branches in west-central Indiana and east-central Illinois. The Bank is the 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.

Ratios

vs
industry
vs
history
PE Ratio 15.06
THFF's PE Ratio is ranked lower than
54% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. THFF: 15.06 )
Ranked among companies with meaningful PE Ratio only.
THFF' s PE Ratio Range Over the Past 10 Years
Min: 9.89  Med: 14.25 Max: 26.57
Current: 15.06
9.89
26.57
Forward PE Ratio 17.36
THFF's Forward PE Ratio is ranked lower than
60% of the 390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.21 vs. THFF: 17.36 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 15.06
THFF's PE Ratio without NRI is ranked lower than
52% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. THFF: 15.06 )
Ranked among companies with meaningful PE Ratio without NRI only.
THFF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.89  Med: 14.25 Max: 26.57
Current: 15.06
9.89
26.57
Price-to-Owner-Earnings 15.43
THFF's Price-to-Owner-Earnings is ranked lower than
51% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. THFF: 15.43 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
THFF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.83  Med: 13.52 Max: 29.42
Current: 15.43
9.83
29.42
PB Ratio 1.35
THFF's PB Ratio is ranked lower than
60% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. THFF: 1.35 )
Ranked among companies with meaningful PB Ratio only.
THFF' s PB Ratio Range Over the Past 10 Years
Min: 0.98  Med: 1.21 Max: 2.29
Current: 1.35
0.98
2.29
PS Ratio 3.83
THFF's PS Ratio is ranked lower than
59% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. THFF: 3.83 )
Ranked among companies with meaningful PS Ratio only.
THFF' s PS Ratio Range Over the Past 10 Years
Min: 2.54  Med: 3.22 Max: 6.13
Current: 3.83
2.54
6.13
Price-to-Free-Cash-Flow 23.25
THFF's Price-to-Free-Cash-Flow is ranked lower than
71% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. THFF: 23.25 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
THFF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7.04  Med: 10.74 Max: 26.14
Current: 23.25
7.04
26.14
Price-to-Operating-Cash-Flow 21.27
THFF's Price-to-Operating-Cash-Flow is ranked lower than
74% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. THFF: 21.27 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
THFF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 6.46  Med: 9.76 Max: 23.89
Current: 21.27
6.46
23.89
EV-to-EBIT 9.94
THFF's EV-to-EBIT is ranked higher than
61% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. THFF: 9.94 )
Ranked among companies with meaningful EV-to-EBIT only.
THFF' s EV-to-EBIT Range Over the Past 10 Years
Min: 7  Med: 11.8 Max: 33.7
Current: 9.94
7
33.7
EV-to-EBITDA 9.34
THFF's EV-to-EBITDA is ranked higher than
61% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. THFF: 9.34 )
Ranked among companies with meaningful EV-to-EBITDA only.
THFF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.4  Med: 10.8 Max: 32.8
Current: 9.34
6.4
32.8
PEG Ratio 13.64
THFF's PEG Ratio is ranked lower than
95% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. THFF: 13.64 )
Ranked among companies with meaningful PEG Ratio only.
THFF' s PEG Ratio Range Over the Past 10 Years
Min: 0.65  Med: 1.85 Max: 161.13
Current: 13.64
0.65
161.13
Shiller PE Ratio 18.89
THFF's Shiller PE Ratio is ranked higher than
60% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. THFF: 18.89 )
Ranked among companies with meaningful Shiller PE Ratio only.
THFF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 11.88  Med: 14.5 Max: 22.85
Current: 18.89
11.88
22.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.13
THFF's Dividend Yield % is ranked lower than
61% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. THFF: 2.13 )
Ranked among companies with meaningful Dividend Yield % only.
THFF' s Dividend Yield % Range Over the Past 10 Years
Min: 1.8  Med: 2.88 Max: 3.58
Current: 2.13
1.8
3.58
Dividend Payout Ratio 0.33
THFF's Dividend Payout Ratio is ranked higher than
51% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. THFF: 0.33 )
Ranked among companies with meaningful Dividend Payout Ratio only.
THFF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.32  Med: 0.41 Max: 0.52
Current: 0.33
0.32
0.52
3-Year Dividend Growth Rate 1.40
THFF's 3-Year Dividend Growth Rate is ranked lower than
75% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. THFF: 1.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
THFF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 1  Med: 2.8 Max: 14.3
Current: 1.4
1
14.3
Forward Dividend Yield % 2.13
THFF's Forward Dividend Yield % is ranked lower than
65% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. THFF: 2.13 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.26
THFF's 5-Year Yield-on-Cost % is ranked lower than
68% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. THFF: 2.26 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
THFF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.91  Med: 3.06 Max: 3.8
Current: 2.26
1.91
3.8
3-Year Average Share Buyback Ratio 3.00
THFF's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. THFF: 3.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
THFF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.5  Med: 0.6 Max: 3
Current: 3
-0.5
3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.52
THFF's Price-to-Tangible-Book is ranked lower than
61% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. THFF: 1.52 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
THFF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.13  Med: 1.45 Max: 2.44
Current: 1.52
1.13
2.44
Price-to-Intrinsic-Value-Projected-FCF 0.78
THFF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
57% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. THFF: 0.78 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
THFF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.56  Med: 0.71 Max: 0.92
Current: 0.78
0.56
0.92
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.41
THFF's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
83% of the 126 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. THFF: 1.41 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.19
THFF's Price-to-Median-PS-Value is ranked lower than
53% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. THFF: 1.19 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
THFF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.84  Med: 1.14 Max: 1.81
Current: 1.19
0.84
1.81
Price-to-Graham-Number 1.01
THFF's Price-to-Graham-Number is ranked lower than
53% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. THFF: 1.01 )
Ranked among companies with meaningful Price-to-Graham-Number only.
THFF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.68  Med: 1 Max: 1.56
Current: 1.01
0.68
1.56
Earnings Yield (Greenblatt) % 10.08
THFF's Earnings Yield (Greenblatt) % is ranked higher than
71% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. THFF: 10.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
THFF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3  Med: 8.5 Max: 14.2
Current: 10.08
3
14.2
Forward Rate of Return (Yacktman) % 10.32
THFF's Forward Rate of Return (Yacktman) % is ranked lower than
52% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. THFF: 10.32 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
THFF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 1.4  Med: 13.1 Max: 25.6
Current: 10.32
1.4
25.6

More Statistics

Revenue (TTM) (Mil) $151.9
EPS (TTM) $ 3.12
Beta0.74
Short Percentage of Float0.84%
52-Week Range $31.81 - 53.49
Shares Outstanding (Mil)12.19

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.70 2.88
EPS without NRI ($) 2.70 2.88
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 1.03 1.03
» More Articles for THFF

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More From Other Websites
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First Financial converts to an Ohio state chartered bank Jan 03 2017
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FIRST FINANCIAL CORP /IN/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 16 2016
First Financial Corporation Declares Semi-Annual Dividend Nov 16 2016
FIRST FINANCIAL CORP /IN/ Financials Nov 15 2016
ETF’s with exposure to First Financial Corp. (Indiana) : November 11, 2016 Nov 11 2016
First Financial Corp. (Indiana) breached its 50 day moving average in a Bullish Manner : THFF-US :... Nov 10 2016
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First Financial Bancorp. Declares Quarterly Cash Dividend Oct 25 2016
First Financial Corporation reports 3rd Quarter results Oct 25 2016

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