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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 1.73
THFF's Cash to Debt is ranked higher than
50% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. THFF: 1.73 )
Ranked among companies with meaningful Cash to Debt only.
THFF' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.21 Max: 2.14
Current: 1.73
0.08
2.14
Equity to Asset 0.14
THFF's Equity to Asset is ranked higher than
81% of the 1578 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 10.23
THFF's Interest Coverage is ranked higher than
91% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. THFF: 10.23 )
Ranked among companies with meaningful Interest Coverage only.
THFF' s Interest Coverage Range Over the Past 10 Years
Min: 0.54  Med: 1.13 Max: 8.68
Current: 10.23
0.54
8.68
F-Score: 5
WACC vs ROIC
7.87%
8.03%
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 (%) 29.88
THFF's Operating margin (%) is ranked lower than
53% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. THFF: 29.88 )
Ranked among companies with meaningful Operating margin (%) only.
THFF' s Operating margin (%) Range Over the Past 10 Years
Min: 26.21  Med: 31.04 Max: 38.93
Current: 29.88
26.21
38.93
Net-margin (%) 22.09
THFF's Net-margin (%) is ranked lower than
51% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. THFF: 22.09 )
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: 22.09
19.67
28.06
ROE (%) 8.01
THFF's ROE (%) is ranked higher than
50% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. THFF: 8.01 )
Ranked among companies with meaningful ROE (%) only.
THFF' s ROE (%) Range Over the Past 10 Years
Min: 7.66  Med: 8.71 Max: 11.12
Current: 8.01
7.66
11.12
ROA (%) 1.08
THFF's ROA (%) is ranked higher than
67% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. THFF: 1.08 )
Ranked among companies with meaningful ROA (%) only.
THFF' s ROA (%) Range Over the Past 10 Years
Min: 0.94  Med: 1.11 Max: 1.38
Current: 1.08
0.94
1.38
Revenue Growth (3Y)(%) 3.70
THFF's Revenue Growth (3Y)(%) is ranked higher than
57% of the 1284 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.2  Med: 5.85 Max: 12
Current: 3.7
-0.2
12
EBITDA Growth (3Y)(%) -1.10
THFF's EBITDA Growth (3Y)(%) is ranked lower than
67% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. THFF: -1.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
THFF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -4  Med: 4.55 Max: 15.3
Current: -1.1
-4
15.3
EPS Growth (3Y)(%) -3.30
THFF's EPS Growth (3Y)(%) is ranked lower than
71% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. THFF: -3.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
THFF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.5  Med: 3.85 Max: 14.4
Current: -3.3
-6.5
14.4
» THFF's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2015

THFF Guru Trades in Q3 2015

Jim Simons 136,700 sh (+107.82%)
James Barrow 116,247 sh (+8.15%)
» More
Q4 2015

THFF Guru Trades in Q4 2015

James Barrow 120,514 sh (+3.67%)
» 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) 12.80
THFF's P/E(ttm) is ranked lower than
53% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. THFF: 12.80 )
Ranked among companies with meaningful P/E(ttm) only.
THFF' s P/E(ttm) Range Over the Past 10 Years
Min: 9.89  Med: 14.81 Max: 26.63
Current: 12.8
9.89
26.63
Forward P/E 12.24
THFF's Forward P/E is ranked lower than
68% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. THFF: 12.24 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.80
THFF's PE(NRI) is ranked lower than
53% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. THFF: 12.80 )
Ranked among companies with meaningful PE(NRI) only.
THFF' s PE(NRI) Range Over the Past 10 Years
Min: 9.89  Med: 14.79 Max: 26.57
Current: 12.8
9.89
26.57
P/B 1.00
THFF's P/B is ranked higher than
50% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. THFF: 1.00 )
Ranked among companies with meaningful P/B only.
THFF' s P/B Range Over the Past 10 Years
Min: 0.98  Med: 1.25 Max: 2.29
Current: 1
0.98
2.29
P/S 2.83
THFF's P/S is ranked higher than
50% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. THFF: 2.83 )
Ranked among companies with meaningful P/S only.
THFF' s P/S Range Over the Past 10 Years
Min: 2.55  Med: 3.29 Max: 6.12
Current: 2.83
2.55
6.12
PFCF 8.31
THFF's PFCF is ranked higher than
55% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. THFF: 8.31 )
Ranked among companies with meaningful PFCF only.
THFF' s PFCF Range Over the Past 10 Years
Min: 7.03  Med: 10.02 Max: 35.95
Current: 8.31
7.03
35.95
POCF 7.82
THFF's POCF is ranked higher than
52% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. THFF: 7.82 )
Ranked among companies with meaningful POCF only.
THFF' s POCF Range Over the Past 10 Years
Min: 6.46  Med: 8.70 Max: 17.59
Current: 7.82
6.46
17.59
EV-to-EBIT 8.72
THFF's EV-to-EBIT is ranked higher than
73% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. THFF: 8.72 )
Ranked among companies with meaningful EV-to-EBIT only.
THFF' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.2  Med: 16.20 Max: 33.7
Current: 8.72
8.2
33.7
EV-to-EBITDA 7.73
THFF's EV-to-EBITDA is ranked higher than
73% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. THFF: 7.73 )
Ranked among companies with meaningful EV-to-EBITDA only.
THFF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.3  Med: 14.30 Max: 32.8
Current: 7.73
7.3
32.8
PEG 1.75
THFF's PEG is ranked lower than
70% of the 618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. THFF: 1.75 )
Ranked among companies with meaningful PEG only.
THFF' s PEG Range Over the Past 10 Years
Min: 0.66  Med: 1.76 Max: 23.68
Current: 1.75
0.66
23.68
Shiller P/E 13.65
THFF's Shiller P/E is ranked higher than
64% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. THFF: 13.65 )
Ranked among companies with meaningful Shiller P/E only.
THFF' s Shiller P/E Range Over the Past 10 Years
Min: 11.88  Med: 14.59 Max: 22.74
Current: 13.65
11.88
22.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.06
THFF's Dividend Yield is ranked higher than
51% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. THFF: 3.06 )
Ranked among companies with meaningful Dividend Yield only.
THFF' s Dividend Yield Range Over the Past 10 Years
Min: 1.8  Med: 2.91 Max: 3.58
Current: 3.06
1.8
3.58
Dividend Payout 0.39
THFF's Dividend Payout is ranked lower than
58% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. THFF: 0.39 )
Ranked among companies with meaningful Dividend Payout only.
THFF' s Dividend Payout Range Over the Past 10 Years
Min: 0.46  Med: 0.72 Max: 1.29
Current: 0.39
0.46
1.29
Dividend Growth (3y) 1.40
THFF's Dividend Growth (3y) is ranked lower than
61% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. THFF: 1.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
THFF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 1.4  Med: 5.00 Max: 15.8
Current: 1.4
1.4
15.8
Forward Dividend Yield 3.06
THFF's Forward Dividend Yield is ranked lower than
53% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. THFF: 3.06 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.30
THFF's Yield on cost (5-Year) is ranked lower than
52% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. THFF: 3.30 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
THFF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.95  Med: 3.15 Max: 3.88
Current: 3.3
1.95
3.88
3-Year Average Share Buyback Ratio -0.20
THFF's 3-Year Average Share Buyback Ratio is ranked higher than
70% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. THFF: -0.20 )
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: 0.30 Max: 1.9
Current: -0.2
-0.5
1.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.11
THFF's Price/Tangible Book is ranked lower than
53% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. THFF: 1.11 )
Ranked among companies with meaningful Price/Tangible Book only.
THFF' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.05  Med: 1.45 Max: 2.44
Current: 1.11
1.05
2.44
Price/Projected FCF 0.55
THFF's Price/Projected FCF is ranked higher than
61% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. THFF: 0.55 )
Ranked among companies with meaningful Price/Projected FCF only.
THFF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.51  Med: 0.69 Max: 1.15
Current: 0.55
0.51
1.15
Price/Median PS Value 0.86
THFF's Price/Median PS Value is ranked higher than
68% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. THFF: 0.86 )
Ranked among companies with meaningful Price/Median PS Value only.
THFF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.79  Med: 1.05 Max: 1.78
Current: 0.86
0.79
1.78
Price/Graham Number 0.79
THFF's Price/Graham Number is ranked lower than
52% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. THFF: 0.79 )
Ranked among companies with meaningful Price/Graham Number only.
THFF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.67  Med: 0.98 Max: 1.61
Current: 0.79
0.67
1.61
Earnings Yield (Greenblatt) (%) 11.50
THFF's Earnings Yield (Greenblatt) (%) is ranked higher than
76% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. THFF: 11.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
THFF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3  Med: 6.20 Max: 12.1
Current: 11.5
3
12.1
Forward Rate of Return (Yacktman) (%) 12.83
THFF's Forward Rate of Return (Yacktman) (%) is ranked lower than
54% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. THFF: 12.83 )
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: 1.2  Med: 12.90 Max: 24.7
Current: 12.83
1.2
24.7

More Statistics

Revenue(Mil) $146
EPS $ 2.50
Beta0.90
Short Percentage of Float1.72%
52-Week Range $31.15 - 37.71
Shares Outstanding(Mil)12.70

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil)
EPS($) 2.39 2.50 2.62
EPS without NRI($) 2.39 2.50 2.62

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

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More From Other Websites
FIRST FINANCIAL CORP /IN/ Files SEC form 8-K, Financial Statements and Exhibits Feb 03 2016
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First Financial Bancorp to Announce Fourth Quarter and Full Year 2015 Financial Results on Thursday,... Jan 14 2016
FIRST FINANCIAL CORP /IN/ Files SEC form 8-K, Change in Directors or Principal Officers Dec 29 2015
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First Financial Northwest, Inc. Announces the Passing of Director Kathleen Smythe, Ph.D. Dec 14 2015
First Financial Corp. (Indiana) breached its 50 day moving average in a Bearish Manner : December 9,... Dec 09 2015
FIRST FINANCIAL CORP /IN/ Financials Dec 08 2015
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Hedge Funds Are Betting On First Financial Corp (THFF) Nov 28 2015
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First Financial Northwest, Inc. Announces Proposed Charter Change of Subsidiary Bank Nov 23 2015
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