Accessibility Menu
First Financial logo

First Financial

(NASDAQ) THFF

Current Price$76.62
Market Cap$909.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1991)+3,412%
5 Year+129%
1 Year+40%
1 Month+6%
First Financial last closing stock price
MetricPriceDate
Last closeUSD 76.452026-07-17
First Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.64%USD 75.222026-07-10
1 month+5.66%USD 72.352026-06-17
3 month+14.07%USD 67.022026-04-17
Year to date+29.8%USD 58.902025-12-31
1 year+40.44%USD 54.442025-07-17
3 year+140%USD 31.852023-07-18
5 year+128.74%USD 33.422021-07-16
Since inception+3,411.71%USD 2.181991-01-31

First Financial Financials at a Glance

Market Cap

$909.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$320.85M

Net Income (TTM)

$80.61M

EPS (TTM)

$6.79

P/E Ratio

11.25

Dividend

$2.19

Beta (Volatility)

0.60 (Low)

Price

$76.62

Volume

86,266.16

Open

$77.47

Previous Close

$76.45

Daily Range

$75.56 - $77.97

52-Week Range

$51.21 - $78.74

Estimated Earnings Date

Jul 28, 2026

THFF News

Foolcom-Featured.png

First Financial Posts Record NII in Q2

Motley Fool Markets TeamJul 22, 2025

7 Regional Banks Within 3% of Their 52-Week Lows

Anand ChokkaveluSep 7, 2011

The Top Dividend Achievers in the Banking Industry

Jim RoyalOct 4, 2010

THFF: Motley Fool Moneyball Superscore

65

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About First Financial

First Financial helps people and businesses manage their money. It lends money for homes and helps companies grow. The bank also offers safe places for savings.

Loans, Savings, and Protection

  • Commercial Lending: Loans for business expansion and asset purchases; accounts for 58.6% of the total loan portfolio as of December 31, 2025.
  • Residential Mortgages: Financing for one-to-four family houses, including construction loans and long-term home purchases.
  • Consumer Loans: Personal credit products such as home equity lines, automobile loans, and secured credit for individual customers.
  • Trust and Insurance: Professional management of investment accounts and specialized protection services for individuals and corporate clients.

Growing Across the Map

  • Expanded operations into northern Georgia with the opening of three new full-service banking branches.
  • Managed specialized subsidiaries including JBMM, LLC and Fort Webb LP, LLC located in Christian County, Kentucky.
  • Maintained a network of 78 branches and eight loan production offices across five states as of late 2025.
  • Grew the workforce to 946 full-time equivalent employees to support multi-state operations by December 31, 2025.

What Makes the Bank Different

First Financial operates as a financial holding company, which lets it offer more diverse services like insurance and trust management than traditional banks. It maintains a geographically diverse loan portfolio across the Midwest and South to reduce risks from local economic downturns.

The Numbers for 2025 and 2026

  • Net income rose to $19.8 million in Q1 2026, a 7.6% increase compared to $18.4 million in Q1 2025.
  • Revenue reached $77.9 million in Q1 2026, down 6.7% from $83.5 million in Q1 2025.
  • Operating income fell to $13.5 million in Q1 2026, a 43.2% decrease from the previous year.
  • Free cash flow hit $27.5 million for the quarter ending December 31, 2025.

Final Word

First Financial has evolved from a local Indiana lender into a regional financial holding company serving five states. Its move into specialized services and broader geographic markets helps the firm navigate changing interest rates and economic shifts.

AI Generated • May 3, 2026

Industry

Banks

Sector

Financials

Employees

946

CEO

Norman D. Lowery, MBA

Website

www.first-online.bank

Headquarters

Terre Haute, IN 47807, US

THFF Financials

Key Financial Metrics (TTM)

Gross Margin

77.91%

Operating Margin

27.77%

Net Income Margin

25.12%

Return on Equity

12.81%

Return on Capital

8.78%

Return on Assets

1.32%

Earnings Yield

8.89%

Dividend Yield

2.86%

Payout Ratio

30.74%

Stock Overview

Market Cap

$909.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

11.89M

Volume

86.27K

Avg. Volume

100.82K

Financials (TTM)

Gross Profit

$249.99M

Operating Income

$89.08M

EBITDA

$98.05M

Operating Cash Flow

$91.97M

Capital Expenditure

-$1.32M

Free Cash Flow

$90.65M

Cash & ST Invst.

$96.89M

Total Debt

$558.54M

First Financial Performance Analysis

First Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 230,017,00018.4%
20232023-12-31USD 271,099,00017.9%
20242024-12-31USD 307,514,00013.4%
20252025-12-31USD 347,560,00013.0%
First Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-301.2%
Q32025-09-303.8%
Q42025-12-31-19.6%
Q12026-03-3110.5%
First Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 5.8245.0%
20232023-12-31USD 5.08-12.7%
20242024-12-31USD 4.00-21.3%
20252025-12-31USD 6.6867.0%
First Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-301.3%
Q32025-09-3011.5%
Q42025-12-313.4%
Q12026-03-31-7.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$77.95M

-6.7%

Gross Profit

$56.93M

-6.0%

Gross Margin

73.04%

N/A

Market Cap

$909.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$961.03K

N/A

Employees

946

N/A

Net Income

$19.80M

+7.6%

EBITDA

$13.50M

-50.0%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$96.89M

-92.4%

Total Debt

$558.54M

+112.8%

Accounts Receivable

$27.88M

+9.1%

Inventory

$0.00

N/A

Long Term Debt

$208.76M

+67.1%

Short Term Debt

$349.78M

+154.2%

Return on Assets

1.32%

N/A

Return on Invested Capital

1.54%

N/A

Free Cash Flow

$21.93M

+7.0%

Operating Cash Flow

$22.62M

+7.4%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
CACCamden National Corp.
$54.20-2.50%
MPBMid Penn Bancorp, Inc.
$35.44-1.39%
GSBCGreat Southern Bancorp, Inc.
$78.25-2.32%
SMBKSmartFinancial, Inc.
$48.15-1.01%

Trending Stocks

Symbol / CompanyPricePrice Chg
ONDSOndas
$6.53-0.02%
NOKNokia
$10.12-0.03%
JOBYJoby Aviation
$7.23-0.01%
SOFISoFi Technologies
$17.28-0.00%

Questions About THFF

What is the current price of First Financial?

First Financial is trading at $76.45 per share.

What is the 52-week range for First Financial?

Over the past 52 weeks, First Financial has traded between $51.21 and $78.74.

How much debt does First Financial have?

As of the most recent reporting period, First Financial reported total debt of $565.92M.

How much cash does First Financial have on hand?

First Financial does not have cash on hand data available.

What is First Financial’s dividend yield?

First Financial currently has a dividend yield of 2.86%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services