First Financial Corporation THFF | NASDAQ
$74.98
$1.25 | 1.70%
TREND SIGNAL:
|2026-09-09
|2026-09-09
Next Earnings: Oct 27, 2026
Company Overview:
Market Cap:
$876.80M
Trailing PE:
10.5x
FWD PE *:
9.6x
Payout Ratio (TTM):
30.0%
52-Week Range:
$51.21 - $84.17
* Forward PE is based on street estimates.
10 Year THFF Performance Metrics:
Total Return (with DRIP):
157.0% (9.90% CAGR)
Total Return (no DRIP):
124.4% (8.42% CAGR)
Share Price:
87.7% (6.50% CAGR)
Yield on Cost (with DRIP):
7.68%
Total Invested:
$10,000
Total Value (with DRIP):
$25,704
Total Return $ (with DRIP):
$15,704
Dividend Increase:
124.0% (8.63% CAGR)
Dividend Yield (FWD):
2.99% ($2.24)
THFF 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
THFF Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
THFF Price CAGR:1Y: 45.06%2Y: 29.23%5Y: 12.26%10Y: 6.50%
THFF Dividend Charts
THFF Dividend CAGR:1Y: 8.63%2Y: 4.79%5Y: 14.78%10Y: 8.15%
THFF Dividend Payout Ratio CAGR:1Y: -9.95%2Y: -20.86%5Y: -7.01%10Y: 0.00%
THFF Dividend to FCF Ratio CAGR:1Y: -23.85%2Y: -20.59%5Y: -10.94%10Y: 0.00%
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THFF Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
THFF Revenue CAGR:1Y: 12.19%2Y: 15.86%5Y: 15.30%10Y: 10.72%
THFF EPS CAGR:1Y: 21.66%2Y: 41.05%5Y: 9.02%10Y: 10.88%
THFF Net Income CAGR:1Y: 22.37%2Y: 41.44%5Y: 6.48%10Y: 10.70%
THFF EBITDA CAGR:1Y: 8.08%2Y: 35.90%5Y: 2.75%10Y: 7.70%
THFF Free Cash Flow CAGR:1Y: 44.71%2Y: 40.96%5Y: 11.17%10Y: 0.00%
THFF Free Cash Flow / Share CAGR:1Y: 44.21%2Y: 40.49%5Y: 13.88%10Y: 0.00%
THFF Operating Income CAGR:1Y: 23.28%2Y: 43.94%5Y: 4.11%10Y: 8.74%
THFF Gross Profit CAGR:1Y: 15.49%2Y: 23.55%5Y: 8.67%10Y: 7.49%
THFF Shares Outstanding CAGR:1Y: 0.35%2Y: 0.33%5Y: -2.38%10Y: -0.28%
THFF Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: -56.78%10Y: -18.41%
THFF Stock-Based Comp CAGR:1Y: -13.30%2Y: -8.64%5Y: -1.33%10Y: 1.68%
THFF Expenses CAGR:1Y: 14.74%2Y: 96.12%5Y: -11.93%10Y: 45.77%
THFF Revenue CAGR:1Y: 12.19%2Y: 15.86%5Y: 15.30%10Y: 10.72%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
THFF Actual Revenue CAGR:1Y: 12.19%2Y: 15.86%5Y: 15.30%10Y: 10.72%
THFF Actual EPS CAGR:1Y: 21.66%2Y: 41.05%5Y: 9.02%10Y: 10.88%
THFF Actual Net Income CAGR:1Y: 22.37%2Y: 41.44%5Y: 6.48%10Y: 10.70%
THFF Actual EBITDA CAGR:1Y: 8.08%2Y: 35.90%5Y: 2.75%10Y: 7.70%
Ratios, Profit Margins & Return on Capital:
THFF Net Profit Margin CAGR:1Y: 9.05%2Y: 22.06%5Y: -7.65%10Y: -0.02%
THFF Gross Profit Margin CAGR:1Y: 2.95%2Y: 6.64%5Y: -5.75%10Y: -2.92%
THFF Price to Earnings CAGR:1Y: 17.47%2Y: 3.60%5Y: 4.23%10Y: -2.90%
THFF Price To Sales Ratio CAGR:1Y: 27.82%2Y: 26.40%5Y: -3.76%10Y: -2.93%
THFF Return on Capital Employed CAGR:1Y: -83.39%2Y: -49.56%5Y: -0.60%10Y: 1.33%
THFF Return on Invested Capital CAGR:1Y: -22.96%2Y: -0.79%5Y: -10.54%10Y: -1.98%
THFF Dividends Info:
Annual Dividend:
$2.24
Forward Yield:
2.99%
Ex-Dividend Date:
2026-10-01
Lifetime Dividends / Share:
$31.17
THFF Dividend History: Dates, Payments & Yield list
Below is a schedule of all THFF dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 10/01/2026 | 10/15/2026 | $0.560 | 3.03% | 3.04% | $73.73 |
| 07/01/2026 | 07/15/2026 | $0.560 | 2.87% | 2.95% | $75.82 |
| 04/01/2026 | 04/15/2026 | $0.560 | 3.53% | 3.37% | $66.42 |
| 01/02/2026 | 01/15/2026 | $0.560 | 3.76% | 3.54% | $63.20 |
| 10/01/2025 | 10/15/2025 | $0.510 | 3.7% | 3.8% | $53.66 |
| 07/01/2025 | 07/15/2025 | $0.510 | 3.72% | 3.68% | $55.41 |
| 04/01/2025 | 04/15/2025 | $0.510 | 4.19% | 4.62% | $44.11 |
| 01/03/2025 | 01/15/2025 | $0.510 | 4.49% | 4.39% | $46.49 |
| 10/01/2024 | 10/15/2024 | $0.450 | 4.28% | 4.07% | $44.18 |
| 07/01/2024 | 07/15/2024 | $0.450 | 4.95% | 4.27% | $42.19 |
| 03/28/2024 | 04/15/2024 | $0.450 | 4.7% | 5.05% | $35.67 |
| 12/29/2023 | 01/16/2024 | $0.450 | 4.18% | 4.53% | $39.75 |
| 06/15/2023 | 07/03/2023 | $0.540 | 6.14% | 6.55% | $32.97 |
| 01/05/2023 | 01/13/2023 | $0.740 | 6.59% | 6.43% | $46.03 |
| 06/16/2022 | 07/01/2022 | $0.540 | 2.44% | 2.39% | $45.12 |
| 01/06/2022 | 01/14/2022 | $0.630 | 2.76% | 2.77% | $45.56 |
| 06/16/2021 | 07/01/2021 | $0.530 | 2.36% | 2.58% | $41.08 |
| 01/07/2021 | 01/15/2021 | $0.530 | 2.55% | 2.54% | $41.80 |
| 06/12/2020 | 07/01/2020 | $0.520 | 2.97% | 2.99% | $34.84 |
| 01/07/2020 | 01/15/2020 | $0.520 | 2.35% | 2.37% | $43.93 |
| 06/14/2019 | 07/02/2019 | $0.520 | 2.67% | 2.61% | $39.81 |
| 01/07/2019 | 01/15/2019 | $0.510 | 2.4% | 2.5% | $40.76 |
| 06/14/2018 | 07/02/2018 | $0.510 | 2.33% | 2.21% | $46.20 |
| 01/05/2018 | 01/15/2018 | $0.510 | 2.24% | 2.14% | $47.60 |
| 11/16/2017 | 12/01/2017 | $1.500 | 6.5% | 6.19% | $48.50 |
| 06/14/2017 | 07/03/2017 | $0.500 | 2.04% | 2.06% | $48.65 |
| 01/04/2017 | 01/13/2017 | $0.500 | 1.92% | 1.98% | $50.50 |
| 06/15/2016 | 06/30/2016 | $0.500 | 2.77% | 2.73% | $36.62 |
| 01/06/2016 | 01/15/2016 | $0.490 | 2.91% | 3.09% | $31.68 |
| 06/15/2015 | 07/01/2015 | $0.490 | 2.8% | 2.74% | $35.76 |
| 01/06/2015 | 01/15/2015 | $0.490 | 2.94% | 2.98% | $32.84 |
| 06/12/2014 | 07/01/2014 | $0.490 | 3.02% | 2.98% | $32.89 |
| 01/03/2014 | 01/10/2014 | $0.480 | 2.74% | 2.81% | $34.17 |
| 06/12/2013 | 07/01/2013 | $0.480 | 3.18% | 3.06% | $31.35 |
| 12/12/2012 | 01/02/2013 | $0.480 | 3.29% | 3.08% | $31.16 |
| 06/13/2012 | 07/02/2012 | $0.470 | 3.38% | 3.18% | $29.56 |
| 12/13/2011 | 01/03/2012 | $0.470 | 2.96% | 2.74% | $34.28 |
| 06/13/2011 | 07/01/2011 | $0.470 | 3.03% | 2.82% | $33.35 |
| 12/13/2010 | 01/03/2011 | $0.460 | 2.69% | 2.63% | $35.00 |
| 06/11/2010 | 07/01/2010 | $0.460 | 3.43% | 3.51% | $26.23 |
| 12/23/2009 | 01/04/2010 | $0.450 | 2.9% | 2.9% | $31.02 |
| 06/11/2009 | 07/01/2009 | $0.450 | 2.73% | 2.79% | $32.24 |
| 12/11/2008 | 01/02/2009 | $0.450 | 2.75% | 2.19% | $41.16 |
| 06/12/2008 | 07/01/2008 | $0.440 | 2.68% | 2.84% | $31.01 |
| 12/12/2007 | 01/02/2008 | $0.440 | 3.14% | 3.21% | $27.43 |
| 06/13/2007 | 07/02/2007 | $0.430 | 3.11% | 3% | $28.71 |
| 12/13/2006 | 01/02/2007 | $0.430 | 2.48% | 2.42% | $35.50 |
| 06/14/2006 | 07/03/2006 | $0.420 | 2.94% | 2.82% | $29.76 |
| 11/30/2005 | 01/02/2006 | $0.420 | 3.07% | 3.09% | $27.16 |
| 06/15/2005 | 07/01/2005 | $0.400 | 2.88% | 2.79% | $28.69 |
| 12/01/2004 | 01/03/2005 | $0.400 | 2.16% | 2.34% | $34.21 |
| 06/14/2004 | 07/01/2004 | $0.390 | 2.69% | 2.48% | $31.40 |
| 12/03/2003 | 01/02/2004 | $0.360 | 2.48% | 2.39% | $30.11 |
| 06/09/2003 | 07/01/2003 | $0.340 | 2.43% | 2.47% | $27.50 |
| 12/04/2002 | 01/02/2003 | $0.310 | 2.46% | 2.52% | $24.65 |
| 06/10/2002 | 07/02/2002 | $0.310 | 2.85% | 2.49% | $24.87 |
| 12/05/2001 | 01/02/2002 | $0.290 | 2.65% | 2.68% | $21.66 |
| 06/08/2001 | 07/02/2001 | $0.280 | 2.98% | 2.49% | $22.50 |
| 12/06/2000 | 01/02/2001 | $0.280 | 3.79% | 3.67% | $15.25 |
| 06/09/2000 | 07/03/2000 | $0.260 | 3.27% | 3.33% | $15.63 |
| 12/07/1999 | 01/03/2000 | $0.250 | 2.47% | 2.47% | $20.25 |
| 06/11/1999 | 07/01/1999 | $0.220 | 2.39% | 2.32% | $18.97 |
| 12/04/1998 | 01/04/1999 | $0.220 | 1.97% | 1.72% | $25.56 |
| 06/12/1998 | 07/01/1998 | $0.205 | 1.65% | 1.63% | $25.19 |
| 12/04/1997 | 01/02/1998 | $0.195 | 1.72% | 1.43% | $27.38 |
| 06/13/1997 | 07/01/1997 | $0.167 | 2% | 1.97% | $16.90 |
| 12/13/1996 | 01/02/1997 | $0.167 | 2.04% | 1.97% | $16.90 |
| 12/13/1995 | 01/02/1996 | $0.127 | 1.75% | 1.6% | $15.87 |
| 12/14/1994 | 01/03/1995 | $0.121 | 1.78% | 1.7% | $14.25 |
| 06/15/1994 | 07/01/1994 | $0.117 | 1.56% | 1.52% | $15.33 |
| 12/15/1993 | 01/02/1994 | $0.117 | 1.66% | 1.66% | $14.04 |
| 06/09/1993 | 07/01/1993 | $0.108 | 1.91% | 1.87% | $11.55 |
| 12/09/1992 | 01/02/1993 | $0.108 | 2.27% | 2.22% | $9.72 |
| 06/11/1992 | 07/01/1992 | $0.086 | 2.1% | 2.16% | $7.99 |
Projected Future Returns & Dividends for THFF
Based on past 10-year performance, here are THFF growth metrics:
Share price CAGR of +6.5%
Dividend CAGR of +8.63%
Using THFF CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| THFF (DRIP) | THFF - No DRIP | |
|---|---|---|
| Current Price | $74.98 | $74.98 |
| Start Shares | 133.37 | 133.37 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 184.75 | 133.37 |
| Dividends Payment | $1.28 | $1.28 |
| Annual Dividends | $947 | $684 |
| Yield on cost | 9.47% | 6.84% |
| Share Price | $140.73 | $140.73 |
| Total Dividends | $5,339 | $4,460 |
| Final Value | $25,999 | $23,229 |
Estimated Future Value + Dividends - THFF
NOTE: Above numbers are our estimate based on THFF's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
First Financial Corporation (THFF) had its IPO on 1992-03-02, and is traded on NASDAQ stock exchange.
First Financial Corporation operates as the bank holding company for First Financial Bank N.A. that provides various financial services for individuals and businesses in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia in the United States. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits; checking and savings accounts; personal and business certificates of deposit; and digital banking services. It also provides commercial loans primarily to expand a business or finance asset purchases; real estate mortgages, including residential real estate and residential real estate construction loans; home equity loans and lines, secured loans, cash/CD secured loans, and unsecured loans; mortgage refinance; personal and auto loans; and credit cards. In addition, the company offers lease financing, trust account, and depositor services; business services, including accounts receivable and payable, merchant services, fraud protection, money management, and workplace rewards; and wealth services. The company was formerly known as Terre Haute First Corporation and changed its name to First Financial Corporation in December 1984. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.
THFF website: https://www.first-online.bank
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DCF Model — THFF
Value from:
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The full DCF valuation — fair value, implied growth and the price path — is a paid feature.
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Pay up to today
—
vs current price $74.98
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
