First Financial Corporation (THFF)
Financial Services · NMS
Fundamentals
Valuation and ratings
First Financial Corporation trades at USD77.51, which is 72% below the USD133.56 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 42 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 11.2 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
THFF dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD1.68 | 3 |
| 2025 | USD2.04 | 4 |
| 2024 | USD1.35 | 3 |
| 2023 | USD1.73 | 3 |
| 2022 | USD1.17 | 2 |
| 2021 | USD1.06 | 2 |
| 2020 | USD1.04 | 2 |
| 2019 | USD1.03 | 2 |
| 2018 | USD1.02 | 2 |
| 2017 | USD2.50 | 3 |
| 2016 | USD0.990 | 2 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
THFF earnings and analyst estimates
Recommendation mix, 3 analyst ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About First Financial Corporation
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 passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is First Financial Corporation (THFF) undervalued?
Against our discounted cash flow estimate of USD133.56, THFF at USD77.51 is 72% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
What is THFF's P/E ratio?
THFF trades at 11.2 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does First Financial Corporation (THFF) pay a dividend?
Yes. First Financial Corporation yields 2.94% at the current share price. It has paid USD2.19 per share over the trailing twelve months. It has paid a dividend in each of the last 34 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
When does THFF report earnings next?
First Financial Corporation is scheduled to report on 28 Jul 2026. Companies move earnings dates, so read it as scheduled rather than certain.
The full research page for THFF, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.