First Financial Corporation
THFFFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, First Financial Corporation focuses on Banks - Regional services and products. First Financial Corporation operates as the bank holding company for First Financial Bank N.A. Valued at $909.1M, THFF is a small-cap name in its sector. 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
$909.1M
Beta
0.41
P/E (TTM)
11.46
P/E (Fwd)
10.13
EPS (TTM)
$6.67
EPS (Fwd)
$7.55
ROE
13.1%
ROA
1.4%
Cash
$96.9M
Total Debt
$565.9M
Free CF
—
52W Change
36.4%
Annual Financials
Cash vs Debt
The company holds $96.9M in cash, though total debt stands at $565.9M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 13.1% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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.
With a beta below 0.7, First Financial Corporation typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. First Financial Corporation carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence First Financial Corporation's trajectory.