First Financial Corporation
THFFFinancial ServicesNASDAQBanks - Regional
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Daily timeframeFirst Financial Corporation operates as the bank holding company for First Financial Bank N.A. With a market capitalization of $822.7M, it sits in small-cap territory. 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.
Market Cap
$822.7M
Beta
0.41
P/E (TTM)
10.17
P/E (Fwd)
9.13
EPS (TTM)
$6.80
EPS (Fwd)
$7.58
ROE
13.1%
ROA
1.4%
Cash
$96.9M
Total Debt
$565.9M
Free CF
—
52W Change
35.4%
Annual Financials
Cash vs Debt
On the balance sheet, THFF has $96.9M in cash with $565.9M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 13.1%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.4% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $211.8M (2022) to $261.8M (2025), reflecting a 24% increase over the period.
The relatively low beta of 0.41 suggests THFF is a less volatile holding compared to the broader index. Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence First Financial Corporation's trajectory.