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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 1.53
THFF's Cash to Debt is ranked lower than
57% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. THFF: 1.53 )
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: 1.53
0.08
2.14
Equity to Asset 0.14
THFF's Equity to Asset is ranked higher than
81% of the 1667 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 13.15
THFF's Interest Coverage is ranked higher than
93% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. THFF: 13.15 )
Ranked among companies with meaningful Interest Coverage only.
THFF' s Interest Coverage Range Over the Past 10 Years
Min: 0.54  Med: 2.25 Max: 9.74
Current: 13.15
0.54
9.74
F-Score: 7
M-Score: -2.42
WACC vs ROIC
8.11%
9.33%
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 (%) 34.78
THFF's Operating margin (%) is ranked higher than
60% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. THFF: 34.78 )
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: 34.78
26.21
38.93
Net-margin (%) 23.12
THFF's Net-margin (%) is ranked higher than
53% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. THFF: 23.12 )
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: 23.12
19.67
28.06
ROE (%) 8.86
THFF's ROE (%) is ranked higher than
55% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. THFF: 8.86 )
Ranked among companies with meaningful ROE (%) only.
THFF' s ROE (%) Range Over the Past 10 Years
Min: 7.51  Med: 8.71 Max: 11.12
Current: 8.86
7.51
11.12
ROA (%) 1.22
THFF's ROA (%) is ranked higher than
71% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. THFF: 1.22 )
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: 1.22
0.94
1.38
Revenue Growth (3Y)(%) -0.10
THFF's Revenue Growth (3Y)(%) is ranked lower than
63% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. THFF: -0.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
THFF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.2  Med: 5.70 Max: 12
Current: -0.1
-0.2
12
EBITDA Growth (3Y)(%) -2.80
THFF's EBITDA Growth (3Y)(%) is ranked lower than
73% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. THFF: -2.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
THFF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.1  Med: 4.50 Max: 15.3
Current: -2.8
-4.1
15.3
EPS Growth (3Y)(%) -1.70
THFF's EPS Growth (3Y)(%) is ranked lower than
73% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. THFF: -1.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
THFF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.5  Med: 3.50 Max: 14.4
Current: -1.7
-6.5
14.4
» THFF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2015

THFF Guru Trades in Q2 2015

Jim Simons 65,778 sh (+66.11%)
Barrow, Hanley, Mewhinney & Strauss 107,487 sh (+10.49%)
» More
Q3 2015

THFF Guru Trades in Q3 2015

Jim Simons 136,700 sh (+107.82%)
Barrow, Hanley, Mewhinney & Strauss 116,247 sh (+8.15%)
» More
Q4 2015

THFF Guru Trades in Q4 2015

Barrow, Hanley, Mewhinney & Strauss 120,514 sh (+3.67%)
Jim Simons 137,900 sh (+0.88%)
» More
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
» 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
Compare:NAS:NBBC, NAS:FLIC, NAS:CUNB, OTCPK:HBIA, NAS:CAC, NAS:LBAI, OTCPK:FMCB, NAS:CNOB, NAS:PFBC, NAS:COBZ, NAS:BHBK, NAS:UVSP, NAS:METR, NAS:MSFG, NAS:PEBO, NAS:CACB, NAS:LION, NAS:BMTC, NAS:SNBC, NAS:MBWM » 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
P/E(ttm) 12.59
THFF's P/E(ttm) is ranked lower than
51% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. THFF: 12.59 )
Ranked among companies with meaningful P/E(ttm) only.
THFF' s P/E(ttm) Range Over the Past 10 Years
Min: 9.89  Med: 14.46 Max: 26.63
Current: 12.59
9.89
26.63
Forward P/E 14.25
THFF's Forward P/E is ranked lower than
69% of the 366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. THFF: 14.25 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.54
THFF's PE(NRI) is ranked higher than
50% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. THFF: 12.54 )
Ranked among companies with meaningful PE(NRI) only.
THFF' s PE(NRI) Range Over the Past 10 Years
Min: 9.89  Med: 14.44 Max: 26.57
Current: 12.54
9.89
26.57
Price/Owner Earnings (ttm) 12.14
THFF's Price/Owner Earnings (ttm) is ranked higher than
50% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. THFF: 12.14 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
THFF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.85  Med: 13.85 Max: 27.34
Current: 12.14
9.85
27.34
P/B 1.09
THFF's P/B is ranked lower than
57% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. THFF: 1.09 )
Ranked among companies with meaningful P/B only.
THFF' s P/B Range Over the Past 10 Years
Min: 0.98  Med: 1.23 Max: 2.29
Current: 1.09
0.98
2.29
P/S 2.91
THFF's P/S is ranked lower than
51% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. THFF: 2.91 )
Ranked among companies with meaningful P/S only.
THFF' s P/S Range Over the Past 10 Years
Min: 2.54  Med: 3.22 Max: 6.13
Current: 2.91
2.54
6.13
PFCF 12.32
THFF's PFCF is ranked lower than
62% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. THFF: 12.32 )
Ranked among companies with meaningful PFCF only.
THFF' s PFCF Range Over the Past 10 Years
Min: 7.04  Med: 10.81 Max: 39.47
Current: 12.32
7.04
39.47
POCF 11.10
THFF's POCF is ranked lower than
65% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. THFF: 11.10 )
Ranked among companies with meaningful POCF only.
THFF' s POCF Range Over the Past 10 Years
Min: 6.46  Med: 9.85 Max: 38.41
Current: 11.1
6.46
38.41
EV-to-EBIT 7.61
THFF's EV-to-EBIT is ranked higher than
77% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. THFF: 7.61 )
Ranked among companies with meaningful EV-to-EBIT only.
THFF' s EV-to-EBIT Range Over the Past 10 Years
Min: 7  Med: 13.60 Max: 33.7
Current: 7.61
7
33.7
EV-to-EBITDA 6.93
THFF's EV-to-EBITDA is ranked higher than
77% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. THFF: 6.93 )
Ranked among companies with meaningful EV-to-EBITDA only.
THFF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.4  Med: 12.10 Max: 31.1
Current: 6.93
6.4
31.1
PEG 31.25
THFF's PEG is ranked lower than
98% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. THFF: 31.25 )
Ranked among companies with meaningful PEG only.
THFF' s PEG Range Over the Past 10 Years
Min: 0.63  Med: 1.65 Max: 165.13
Current: 31.25
0.63
165.13
Shiller P/E 14.64
THFF's Shiller P/E is ranked higher than
62% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.55 vs. THFF: 14.64 )
Ranked among companies with meaningful Shiller P/E only.
THFF' s Shiller P/E Range Over the Past 10 Years
Min: 11.89  Med: 14.53 Max: 22.95
Current: 14.64
11.89
22.95

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.78
THFF's Dividend Yield is ranked lower than
56% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. THFF: 2.78 )
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: 2.78
1.8
3.58
Dividend Payout 0.35
THFF's Dividend Payout is ranked lower than
53% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. THFF: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
THFF' s Dividend Payout Range Over the Past 10 Years
Min: 0.46  Med: 0.73 Max: 1.29
Current: 0.35
0.46
1.29
Dividend Growth (3y) 1.00
THFF's Dividend Growth (3y) is ranked lower than
76% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. THFF: 1.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
THFF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 1  Med: 3.30 Max: 15.8
Current: 1
1
15.8
Forward Dividend Yield 2.81
THFF's Forward Dividend Yield is ranked lower than
60% of the 2124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. THFF: 2.81 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.97
THFF's Yield on cost (5-Year) is ranked lower than
58% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. THFF: 2.97 )
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: 1.92  Med: 3.09 Max: 3.82
Current: 2.97
1.92
3.82
3-Year Average Share Buyback Ratio 1.40
THFF's 3-Year Average Share Buyback Ratio is ranked higher than
88% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. THFF: 1.40 )
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: 0.60 Max: 1.5
Current: 1.4
-0.5
1.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
THFF's Price/Tangible Book is ranked lower than
58% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. THFF: 1.20 )
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: 1.2
1.05
2.44
Price/Projected FCF 0.58
THFF's Price/Projected FCF is ranked higher than
59% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. THFF: 0.58 )
Ranked among companies with meaningful Price/Projected FCF only.
THFF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.51  Med: 0.71 Max: 1.21
Current: 0.58
0.51
1.21
Price/DCF (Earnings Based) 1.17
THFF's Price/DCF (Earnings Based) is ranked lower than
76% of the 105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. THFF: 1.17 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.90
THFF's Price/Median PS Value is ranked higher than
66% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. THFF: 0.90 )
Ranked among companies with meaningful Price/Median PS Value only.
THFF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.8  Med: 1.07 Max: 1.81
Current: 0.9
0.8
1.81
Price/Graham Number 0.82
THFF's Price/Graham Number is ranked lower than
51% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. THFF: 0.82 )
Ranked among companies with meaningful Price/Graham Number only.
THFF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.67  Med: 0.96 Max: 1.61
Current: 0.82
0.67
1.61
Earnings Yield (Greenblatt) (%) 13.10
THFF's Earnings Yield (Greenblatt) (%) is ranked higher than
79% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. THFF: 13.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
THFF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3  Med: 7.30 Max: 14.2
Current: 13.1
3
14.2
Forward Rate of Return (Yacktman) (%) 10.15
THFF's Forward Rate of Return (Yacktman) (%) is ranked lower than
58% of the 874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.27 vs. THFF: 10.15 )
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: 0.3  Med: 13.10 Max: 24.7
Current: 10.15
0.3
24.7

More Statistics

Revenue (TTM) (Mil) $156.2
EPS (TTM) $ 2.83
Beta0.89
Short Percentage of Float1.86%
52-Week Range $31.15 - 37.78
Shares Outstanding (Mil)12.24

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.50 2.58
EPS w/o NRI ($) 2.50 2.58
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
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More From Other Websites
First Financial names new Business Capital Director Jun 20 2016
First Financial Bank, N.A. Announces New Brokerage Relationship With Raymond James Financial... Jun 13 2016
First Financial Bank Announces Opening Of New Fort Worth Location At Forest Park And Rosedale Jun 02 2016
First Financial Northwest, Inc. Announces - First Financial Northwest Bank Receives the Innovation... Jun 02 2016
First Financial Corporation Declares Semi-Annual Dividend May 18 2016
FIRST FINANCIAL CORP /IN/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 18 2016
First Financial Corporation Declares Semi-Annual Dividend May 18 2016
FIRST FINANCIAL CORP /IN/ Financials May 12 2016
First Financial Corp. (Indiana) :THFF-US: Earnings Analysis: Q1, 2016 By the Numbers May 02 2016
First Financial Bankshares To Present At The 2016 Gulf South Bank Conference Apr 28 2016
First Financial Bancorp Declares Quarterly Cash Dividend Apr 27 2016
First Financial Corporation Reports 1st Quarter Results Apr 27 2016
First Financial Corp. posts 1Q profit Apr 27 2016
First Financial Corp. posts 1Q profit Apr 27 2016
FIRST FINANCIAL CORP /IN/ Files SEC form 8-K, Financial Statements and Exhibits Apr 27 2016
First Financial Corporation Reports 1st Quarter Results Apr 27 2016
First Financial Announces Board Election And Increased Dividend At Annual Meeting Apr 26 2016
First Financial Bankshares To Live Stream Annual Meeting Apr 22 2016
First Financial Bankshares Announces First Quarter Earnings Results Apr 21 2016
First Financial Bancorp Reports First Quarter 2016 Financial Results Apr 21 2016

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