THFF First Financial Corp

Price (delayed)

$35.35

Market cap

$417.63M

P/E Ratio

7.54

Dividend/share

$1.44

EPS

$4.69

Enterprise value

$495.85M

First Financial Corporation is a financial holding company. The Company, through its subsidiaries, offers financial services, including commercial, mortgage and consumer lending, lease financing, trust account services, depositor services and ...

Highlights
THFF's equity is up by 3% year-on-year
The P/E is 18% less than the 5-year quarterly average of 9.2 but 4.7% more than the last 4 quarters average of 7.2
The debt fell by 16% QoQ but it rose by 3% YoY
The company's net income fell by 16% YoY and by 8% QoQ
The EPS has declined by 14% year-on-year and by 8% since the previous quarter

Key stats

What are the main financial stats of THFF
Market
Shares outstanding
11.81M
Market cap
$417.63M
Enterprise value
$495.85M
Valuations
Price to earnings (P/E)
7.54
Price to book (P/B)
0.8
Price to sales (P/S)
2.11
EV/EBIT
7.51
EV/EBITDA
6.83
EV/Sales
2.51
Earnings
Revenue
$197.31M
EBIT
$66.03M
EBITDA
$72.64M
Free cash flow
$70.52M
Per share
EPS
$4.69
Free cash flow per share
$5.97
Book value per share
$44.08
Revenue per share
$16.72
TBVPS
$403.31
Balance sheet
Total assets
$4.85B
Total liabilities
$4.33B
Debt
$147.45M
Equity
$520.77M
Working capital
N/A
Liquidity
Debt to equity
0.28
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.08
Margins
EBITDA margin
36.8%
Gross margin
100%
Net margin
28.2%
Operating margin
33.5%
Efficiency
Return on assets
1.1%
Return on equity
11%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
33.5%
Dividend
Dividend yield
4.07%
DPS
$1.44
Payout ratio
30.7%

THFF stock price

How has the First Financial stock price performed over time
Intraday
-0.76%
1 week
-0.81%
1 month
-6.06%
1 year
4.93%
YTD
-17.85%
QTD
-7.77%

Financial performance

How have First Financial's revenue and profit performed over time
Revenue
$197.31M
Gross profit
$197.31M
Operating income
$66.03M
Net income
$55.62M
Gross margin
100%
Net margin
28.2%
First Financial's operating income has decreased by 18% YoY and by 9% QoQ
The company's net income fell by 16% YoY and by 8% QoQ
First Financial's operating margin has decreased by 14% YoY and by 6% QoQ
The net margin fell by 12% YoY and by 6% QoQ

Growth

What is First Financial's growth rate over time

Valuation

What is First Financial stock price valuation
P/E
7.54
P/B
0.8
P/S
2.11
EV/EBIT
7.51
EV/EBITDA
6.83
EV/Sales
2.51
The P/E is 18% less than the 5-year quarterly average of 9.2 but 4.7% more than the last 4 quarters average of 7.2
The EPS has declined by 14% year-on-year and by 8% since the previous quarter
The stock's P/B is 20% below its 5-year quarterly average of 1.0 and 11% below its last 4 quarters average of 0.9
THFF's equity is up by 3% year-on-year
THFF's price to sales (P/S) is 25% lower than its 5-year quarterly average of 2.8 and 4.1% lower than its last 4 quarters average of 2.2
The company's revenue fell by 5% YoY and by 2.6% QoQ

Efficiency

How efficient is First Financial business performance
The ROE has decreased by 22% YoY and by 9% from the previous quarter
The ROIC is down by 18% year-on-year and by 7% since the previous quarter
The ROA has contracted by 15% from the previous quarter and by 15% YoY
The return on sales has declined by 14% year-on-year and by 6% since the previous quarter

Dividends

What is THFF's dividend history
DPS
$1.44
Dividend yield
4.07%
Payout ratio
30.7%
Recent dividends

Financial health

How did First Financial financials performed over time
The total assets is 12% more than the total liabilities
The debt is 72% lower than the equity
The debt fell by 16% QoQ but it rose by 3% YoY
The debt to equity is down by 15% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.