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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 0.62
THFF's Cash to Debt is ranked higher than
66% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. THFF: 0.62 )
THFF' s 10-Year Cash to Debt Range
Min: 0.08   Max: 1.14
Current: 0.62

0.08
1.14
Equity to Asset 0.13
THFF's Equity to Asset is ranked higher than
88% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. THFF: 0.13 )
THFF' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.14
Current: 0.13

0.09
0.14
Interest Coverage 5.06
THFF's Interest Coverage is ranked higher than
91% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. THFF: 5.06 )
THFF' s 10-Year Interest Coverage Range
Min: 0.38   Max: 5.06
Current: 5.06

0.38
5.06
F-Score: 6
Z-Score: 0.36
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 : 8/10

vs
industry
vs
history
Operating margin (%) 30.67
THFF's Operating margin (%) is ranked higher than
76% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. THFF: 30.67 )
THFF' s 10-Year Operating margin (%) Range
Min: 26.21   Max: 40.72
Current: 30.67

26.21
40.72
Net-margin (%) 21.35
THFF's Net-margin (%) is ranked higher than
74% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. THFF: 21.35 )
THFF' s 10-Year Net-margin (%) Range
Min: 19.67   Max: 29.22
Current: 21.35

19.67
29.22
ROE (%) 8.17
THFF's ROE (%) is ranked higher than
75% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. THFF: 8.17 )
THFF' s 10-Year ROE (%) Range
Min: 7.41   Max: 12.8
Current: 8.17

7.41
12.8
ROA (%) 1.04
THFF's ROA (%) is ranked higher than
84% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. THFF: 1.04 )
THFF' s 10-Year ROA (%) Range
Min: 0.9   Max: 1.32
Current: 1.04

0.9
1.32
ROC (Joel Greenblatt) (%) 88.05
THFF's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. THFF: 88.05 )
THFF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 15.96   Max: 128.64
Current: 88.05

15.96
128.64
Revenue Growth (%) 4.80
THFF's Revenue Growth (%) is ranked higher than
85% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. THFF: 4.80 )
THFF' s 10-Year Revenue Growth (%) Range
Min: -0.2   Max: 12
Current: 4.8

-0.2
12
EBITDA Growth (%) 4.00
THFF's EBITDA Growth (%) is ranked higher than
69% of the 1306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. THFF: 4.00 )
THFF' s 10-Year EBITDA Growth (%) Range
Min: -4   Max: 15.3
Current: 4

-4
15.3
EPS Growth (%) 3.50
THFF's EPS Growth (%) is ranked higher than
68% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. THFF: 3.50 )
THFF' s 10-Year EPS Growth (%) Range
Min: -6.4   Max: 14.4
Current: 3.5

-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 2012

THFF Guru Trades in Q3 2012

Jim Simons Sold Out
» More
Q4 2012

THFF Guru Trades in Q4 2012

Jim Simons 9,881 sh (New)
» More
Q1 2013

THFF Guru Trades in Q1 2013

Jim Simons Sold Out
» More
Q2 2014

THFF Guru Trades in Q2 2014

Jim Simons 17,461 sh (New)
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.60
THFF's P/E(ttm) is ranked higher than
80% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. THFF: 12.60 )
THFF' s 10-Year P/E(ttm) Range
Min: 9.89   Max: 30.42
Current: 12.6

9.89
30.42
P/B 1.00
THFF's P/B is ranked higher than
75% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. THFF: 1.00 )
THFF' s 10-Year P/B Range
Min: 1   Max: 3.45
Current: 1

1
3.45
P/S 2.80
THFF's P/S is ranked higher than
62% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.06 vs. THFF: 2.80 )
THFF' s 10-Year P/S Range
Min: 2.55   Max: 8.05
Current: 2.8

2.55
8.05
PFCF 7.30
THFF's PFCF is ranked higher than
80% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.14 vs. THFF: 7.30 )
THFF' s 10-Year PFCF Range
Min: 7.03   Max: 29.98
Current: 7.3

7.03
29.98
EV-to-EBIT 8.32
THFF's EV-to-EBIT is ranked higher than
91% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.09 vs. THFF: 8.32 )
THFF' s 10-Year EV-to-EBIT Range
Min: 8.9   Max: 34.3
Current: 8.32

8.9
34.3
PEG 1.30
THFF's PEG is ranked higher than
84% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. THFF: 1.30 )
THFF' s 10-Year PEG Range
Min: 0.63   Max: 572.33
Current: 1.3

0.63
572.33
Shiller P/E 13.20
THFF's Shiller P/E is ranked higher than
89% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.69 vs. THFF: 13.20 )
THFF' s 10-Year Shiller P/E Range
Min: 11.6   Max: 35.41
Current: 13.2

11.6
35.41

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.00
THFF's Dividend Yield is ranked higher than
65% of the 1412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.46 vs. THFF: 3.00 )
THFF' s 10-Year Dividend Yield Range
Min: 2.1   Max: 3.58
Current: 3

2.1
3.58
Dividend Payout 0.38
THFF's Dividend Payout is ranked higher than
70% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.49 vs. THFF: 0.38 )
THFF' s 10-Year Dividend Payout Range
Min: 0.39   Max: 1.29
Current: 0.38

0.39
1.29
Dividend growth (3y) 1.40
THFF's Dividend growth (3y) is ranked higher than
70% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. THFF: 1.40 )
THFF' s 10-Year Dividend growth (3y) Range
Min: 1.4   Max: 15.8
Current: 1.4

1.4
15.8
Yield on cost (5-Year) 3.25
THFF's Yield on cost (5-Year) is ranked higher than
62% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. THFF: 3.25 )
THFF' s 10-Year Yield on cost (5-Year) Range
Min: 2.27   Max: 3.88
Current: 3.25

2.27
3.88
Share Buyback Rate -0.50
THFF's Share Buyback Rate is ranked higher than
81% of the 1238 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. THFF: -0.50 )
THFF' s 10-Year Share Buyback Rate Range
Min: 1.9   Max: -0.5
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
THFF's Price/Tangible Book is ranked higher than
70% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. THFF: 1.20 )
THFF' s 10-Year Price/Tangible Book Range
Min: 1.05   Max: 3.39
Current: 1.2

1.05
3.39
Price/DCF (Projected) 0.50
THFF's Price/DCF (Projected) is ranked higher than
89% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. THFF: 0.50 )
THFF' s 10-Year Price/DCF (Projected) Range
Min: 0.52   Max: 1.47
Current: 0.5

0.52
1.47
Price/Median PS Value 0.80
THFF's Price/Median PS Value is ranked higher than
91% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. THFF: 0.80 )
THFF' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 2.13
Current: 0.8

0.74
2.13
Price/Peter Lynch Fair Value 1.60
THFF's Price/Peter Lynch Fair Value is ranked higher than
81% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. THFF: 1.60 )
THFF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.68   Max: 4.24
Current: 1.6

0.68
4.24
Price/Graham Number 0.80
THFF's Price/Graham Number is ranked higher than
77% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. THFF: 0.80 )
THFF' s 10-Year Price/Graham Number Range
Min: 0.69   Max: 2.07
Current: 0.8

0.69
2.07
Earnings Yield (Greenblatt) 11.80
THFF's Earnings Yield (Greenblatt) is ranked higher than
87% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. THFF: 11.80 )
THFF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.9   Max: 12.1
Current: 11.8

2.9
12.1
Forward Rate of Return (Yacktman) 15.25
THFF's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.09 vs. THFF: 15.25 )
THFF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.5   Max: 25.8
Current: 15.25

1.5
25.8

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 in the state of Indiana in 1984 to operate as a bank holding company. First Financial Bank, N.A. is the largest bank in Vigo County, Ind. It is a financial services company that offers a number of financial services including commercial, mortgage and consumer lending, lease financing, trust account services and depositor services through its subsidiaries. First Financial Bank also has two investment subsidiaries, Portfolio Management Specialists A and Portfolio Management Specialists B. First Financial Bank operates full-service banking branches within Indiana and Illinois. The company's primary source of revenue is derived from loans to customers, primarily middle income individuals and investment activities. The Corporation operates 68 branches in west-central Indiana and east-central Illinois. First Financial Bank is the largest bank in Vigo County. It operates 11 full-service banking branches within the county; one in Daviess County, Indiana.; five in Clay County, Indiana; one in Gibson County, Indiana.; one in Greene County, Indiana; four in Knox County, Indiana; five in Parke County, Indiana; one in Putnam County, Indiana; five in Sullivan County, Indiana; one in Vanderburgh County, Indiana,; four in Vermillion County, Indiana; five in Champaign County, Illinois; one in Clark County, Illinois; one in Coles County, Illinois; three in Crawford County, Illinois; one in Jasper County, Illinois; one in Lawrence County, Illinois; three in Livingston County, Illinois; four in McLean County, Illinois; two in Richland County, Illinois; six in Vermilion County, Illinois; and one in Wayne County, Illinois. It also has a main office in downtown Terre Haute and an operations center/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. First Financial 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.
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