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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 1.28
THFF's Cash to Debt is ranked higher than
72% of the 1734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. THFF: 1.28 )
THFF' s 10-Year Cash to Debt Range
Min: 0.13   Max: 1.28
Current: 1.28

0.13
1.28
Equity to Asset 0.13
THFF's Equity to Asset is ranked higher than
85% of the 2241 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: 0.13
Current: 0.13

0.09
0.13
Interest Coverage 8.68
THFF's Interest Coverage is ranked higher than
94% of the 2151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. THFF: 8.68 )
THFF' s 10-Year Interest Coverage Range
Min: 0.36   Max: 8.68
Current: 8.68

0.36
8.68
F-Score: 6
Z-Score: 0.39
WACC vs ROIC
10.37%
8.00%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 32.22
THFF's Operating margin (%) is ranked higher than
76% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.14 vs. THFF: 32.22 )
THFF' s 10-Year Operating margin (%) Range
Min: 26.21   Max: 40.72
Current: 32.22

26.21
40.72
Net-margin (%) 22.69
THFF's Net-margin (%) is ranked higher than
75% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.16 vs. THFF: 22.69 )
THFF' s 10-Year Net-margin (%) Range
Min: 19.67   Max: 29.22
Current: 22.69

19.67
29.22
ROE (%) 8.49
THFF's ROE (%) is ranked higher than
72% of the 2347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. THFF: 8.49 )
THFF' s 10-Year ROE (%) Range
Min: 7.66   Max: 12.9
Current: 8.49

7.66
12.9
ROA (%) 1.11
THFF's ROA (%) is ranked higher than
83% of the 2356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. THFF: 1.11 )
THFF' s 10-Year ROA (%) Range
Min: 0.94   Max: 1.38
Current: 1.11

0.94
1.38
ROC (Joel Greenblatt) (%) 92.86
THFF's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 2318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 87.69 vs. THFF: 92.86 )
THFF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 16.78   Max: 137.95
Current: 92.86

16.78
137.95
Revenue Growth (3Y)(%) 3.70
THFF's Revenue Growth (3Y)(%) is ranked higher than
78% of the 1995 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. THFF: 3.70 )
THFF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.2   Max: 12
Current: 3.7

-0.2
12
EBITDA Growth (3Y)(%) -1.10
THFF's EBITDA Growth (3Y)(%) is ranked higher than
62% of the 1805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. THFF: -1.10 )
THFF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -4   Max: 15.3
Current: -1.1

-4
15.3
EPS Growth (3Y)(%) -3.40
THFF's EPS Growth (3Y)(%) is ranked higher than
59% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. THFF: -3.40 )
THFF' s 10-Year EPS Growth (3Y)(%) Range
Min: -6.4   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

THFF Guru Trades in

Q2 2014

THFF Guru Trades in Q2 2014

Jim Simons 17,461 sh (New)
» More
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
» 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) 13.40
THFF's P/E(ttm) is ranked higher than
79% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. THFF: 13.40 )
THFF' s 10-Year P/E(ttm) Range
Min: 9.89   Max: 26.63
Current: 13.4

9.89
26.63
Forward P/E 13.46
THFF's Forward P/E is ranked higher than
74% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. THFF: 13.46 )
N/A
PE(NRI) 13.60
THFF's PE(NRI) is ranked higher than
81% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. THFF: 13.60 )
THFF' s 10-Year PE(NRI) Range
Min: 9.89   Max: 26.57
Current: 13.6

9.89
26.57
P/B 1.10
THFF's P/B is ranked higher than
72% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. THFF: 1.10 )
THFF' s 10-Year P/B Range
Min: 0.99   Max: 2.29
Current: 1.1

0.99
2.29
P/S 3.10
THFF's P/S is ranked higher than
67% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.82 vs. THFF: 3.10 )
THFF' s 10-Year P/S Range
Min: 2.55   Max: 6.12
Current: 3.1

2.55
6.12
PFCF 8.70
THFF's PFCF is ranked higher than
86% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. THFF: 8.70 )
THFF' s 10-Year PFCF Range
Min: 7.03   Max: 35.95
Current: 8.7

7.03
35.95
POCF 7.91
THFF's POCF is ranked higher than
87% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 225.87 vs. THFF: 7.91 )
THFF' s 10-Year POCF Range
Min: 6.46   Max: 17.59
Current: 7.91

6.46
17.59
EV-to-EBIT 9.29
THFF's EV-to-EBIT is ranked higher than
90% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. THFF: 9.29 )
THFF' s 10-Year EV-to-EBIT Range
Min: 8.4   Max: 33.7
Current: 9.29

8.4
33.7
PEG 1.86
THFF's PEG is ranked higher than
89% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. THFF: 1.86 )
THFF' s 10-Year PEG Range
Min: 0.62   Max: 494.6
Current: 1.86

0.62
494.6
Shiller P/E 14.10
THFF's Shiller P/E is ranked higher than
89% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. THFF: 14.10 )
THFF' s 10-Year Shiller P/E Range
Min: 11.44   Max: 23.06
Current: 14.1

11.44
23.06
Days Sales Outstanding 28.43
THFF's Days Sales Outstanding is ranked higher than
90% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. THFF: 28.43 )
THFF' s 10-Year Days Sales Outstanding Range
Min: 28.47   Max: 83.21
Current: 28.43

28.47
83.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.80
THFF's Dividend Yield is ranked higher than
59% of the 2193 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. THFF: 2.80 )
THFF' s 10-Year Dividend Yield Range
Min: 1.8   Max: 3.58
Current: 2.8

1.8
3.58
Dividend Payout 0.38
THFF's Dividend Payout is ranked higher than
76% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. THFF: 0.38 )
THFF' s 10-Year Dividend Payout Range
Min: 0.24   Max: 0.52
Current: 0.38

0.24
0.52
Dividend growth (3y) 1.40
THFF's Dividend growth (3y) is ranked higher than
68% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. THFF: 1.40 )
THFF' s 10-Year Dividend growth (3y) Range
Min: 1.4   Max: 18.3
Current: 1.4

1.4
18.3
Yield on cost (5-Year) 3.03
THFF's Yield on cost (5-Year) is ranked higher than
56% of the 2203 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. THFF: 3.03 )
THFF' s 10-Year Yield on cost (5-Year) Range
Min: 1.95   Max: 3.88
Current: 3.03

1.95
3.88
Share Buyback Rate -0.20
THFF's Share Buyback Rate is ranked higher than
83% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. THFF: -0.20 )
THFF' s 10-Year Share Buyback Rate Range
Min: 1.9   Max: -4.2
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
THFF's Price/Tangible Book is ranked higher than
77% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. THFF: 1.30 )
THFF' s 10-Year Price/Tangible Book Range
Min: 1.05   Max: 2.44
Current: 1.3

1.05
2.44
Price/DCF (Projected) 0.50
THFF's Price/DCF (Projected) is ranked higher than
91% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. THFF: 0.50 )
THFF' s 10-Year Price/DCF (Projected) Range
Min: 0.57   Max: 0.97
Current: 0.5

0.57
0.97
Price/Median PS Value 0.90
THFF's Price/Median PS Value is ranked higher than
93% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. THFF: 0.90 )
THFF' s 10-Year Price/Median PS Value Range
Min: 0.78   Max: 1.7
Current: 0.9

0.78
1.7
Price/Graham Number 0.90
THFF's Price/Graham Number is ranked higher than
82% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. THFF: 0.90 )
THFF' s 10-Year Price/Graham Number Range
Min: 0.68   Max: 1.56
Current: 0.9

0.68
1.56
Earnings Yield (Greenblatt) 11.10
THFF's Earnings Yield (Greenblatt) is ranked higher than
86% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. THFF: 11.10 )
THFF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3   Max: 11.9
Current: 11.1

3
11.9
Forward Rate of Return (Yacktman) 15.39
THFF's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.52 vs. THFF: 15.39 )
THFF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.9   Max: 26.2
Current: 15.39

0.9
26.2

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
FIRST FINANCIAL CORP /IN/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 16 2015
First Financial Bancorp to Announce First Quarter 2015 Financial Results on Thursday, April 30, 2015 Apr 14 2015
First Financial Bank, N.A. To Acquire 4Trust Mortgage, Inc. Apr 08 2015
First Financial Bankshares To Acquire Conroe Bank Apr 01 2015
FIRST FINANCIAL CORP /IN/ Financials Mar 14 2015
10-K for First Financial Corp. (Indiana) Mar 08 2015
FIRST FINANCIAL CORP /IN/ Files SEC form 10-K, Annual Report Mar 06 2015
First Financial Bankshares, Inc. Announces Recipient Of 2015 Walter Johnson Award Mar 04 2015
First Financial Northwest, Inc. Announces a 20% Increase in Quarterly Cash Dividend to $0.06 Per... Feb 26 2015
First Financial Bankshares To Present At KBW 2015 Boston Bank Conference Feb 23 2015
Notice from the Office of the Secretary - Ontario Securities Commission Feb 19 2015
First Financial Corp. posts 4Q profit Feb 03 2015
First Financial Corp. posts 4Q profit Feb 03 2015
FIRST FINANCIAL CORP /IN/ Files SEC form 8-K, Financial Statements and Exhibits Feb 03 2015
First Financial Corporation Reports 2014 Results Feb 03 2015
First Financial considering growing Central Ohio footprint Jan 30 2015
First Financial tops 4Q profit forecasts Jan 29 2015
First Financial tops 4Q profit forecasts Jan 29 2015
First Financial Bancorp Reports Fourth Quarter and Full Year 2014 Financial Results Jan 29 2015
First Financial posts 4Q profit Jan 29 2015

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