First Financial Financials

THFF Stock  USD 49.56  0.68  1.35%   
Based on the analysis of First Financial's profitability, liquidity, and operating efficiency, First Financial is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At this time, First Financial's Retained Earnings are most likely to increase significantly in the upcoming years. The First Financial's current Cash is estimated to increase to about 127.8 M, while Total Current Liabilities is projected to decrease to roughly 63.9 M. Key indicators impacting First Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.20.2994
Way Down
Slightly volatile
Return On Assets0.0090.0125
Way Down
Pretty Stable
Return On Equity0.110.1149
Sufficiently Down
Slightly volatile
Debt Equity Ratio0.01070.0113
Notably Down
Slightly volatile
Operating Income59.5 M72.5 M
Significantly Down
Slightly volatile
Current Ratio0.260.27
Sufficiently Down
Slightly volatile
The essential information of the day-to-day investment outlook for First Financial includes many different criteria found on its balance sheet. An individual investor should monitor First Financial's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in First Financial.

Net Income

32.6 Million

  
Understanding current and past First Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in First Financial's assets may result in an increase in income on the income statement.

First Financial Stock Summary

First Financial competes with Chemung Financial, Citizens Northern, National Bankshares, Fidelity, and Finward Bancorp. First Financial Corporation, through its subsidiaries, provides various financial services. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana. First Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 883 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS3202181000
CUSIP320218100
LocationIndiana; U.S.A
Business AddressOne First Financial
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.first-online.bank
Phone812 238 6000
CurrencyUSD - US Dollar

First Financial Key Financial Ratios

First Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets4.0B4.6B5.2B5.0B4.9B2.8B
Other Current Liab(80.1M)(116.1M)(93.4M)(70.9M)750.3M1.3B
Net Debt(47.3M)(541.4M)(573.5M)(139.6M)31.8M30.2M
Retained Earnings492.1M521.1M559.1M614.8M663.7M696.9M
Cash127.4M657.5M682.8M220.0M76.8M127.8M
Other Assets1.9B1.7B1.6B4.8B3.3B2.7B
Net Receivables18.5M17.0M16.9M21.3M24.9M15.2M
Total Liab3.5B4.0B4.6B4.5B4.3B2.5B
Total Current Assets1.1B1.7B2.1B21.3M101.9M96.8M
Short Term Debt80.1M116.1M93.4M70.9M67.2M53.0M
Common Stock2.0M2.0M2.0M2.0M2.0M1.9M
Other Liab73.2M82.7M69.3M58.8M67.6M63.9M
Accounts Payable3.3B3.8B4.4B4.4B5.0B5.3B
Treasury Stock(68.6M)(76.7M)(118.1M)(144.8M)(130.3M)(123.8M)
Other Current Assets157.1M675.7M700.2M(1.6B)102.0M96.9M
Intangible Assets10.6M9.0M8.0M6.7M5.6M5.4M
Inventory(157.1M)(675.7M)(700.2M)337K51.9M54.5M
Net Tangible Assets468.4M509.4M488.4M381.6M438.8M437.6M
Capital Surpluse139.7M140.8M142.0M143.2M164.7M107.9M

First Financial Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense17.5M14.1M8.8M18.3M61.1M64.2M
Total Revenue170.1M188.8M185.5M211.8M202.7M128.2M
Gross Profit170.1M188.8M185.5M211.8M202.7M128.2M
Operating Income61.1M65.5M65.6M112.6M72.5M59.5M
Ebit61.1M65.5M65.6M87.8M72.5M58.9M
Ebitda65.9M71.6M71.8M93.9M79.0M61.9M
Income Before Tax61.1M65.5M65.6M87.8M72.5M43.5M
Net Income48.9M53.8M53.0M71.1M60.7M32.6M
Income Tax Expense12.2M11.7M12.6M16.7M11.8M10.9M
Tax Provision12.1M11.7M12.6M16.7M11.8M11.3M
Net Interest Income131.7M146.3M143.4M165.0M167.3M145.2M
Interest Income149.1M160.5M152.2M183.3M228.4M162.8M

First Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash53.0M530.0M25.3M(465.5M)(145.8M)(138.5M)
Free Cash Flow48.8M73.5M51.2M77.4M79.5M40.7M
Depreciation4.8M6.1M6.2M6.1M6.5M4.1M
Other Non Cash Items(2.1M)17.4M(5.7M)6.8M20.5M21.6M
Dividends Paid12.6M14.3M14.2M14.5M15.4M11.1M
Capital Expenditures1.1M3.9M3.8M1.4M6.5M3.7M
Net Income48.9M53.8M53.0M71.1M60.7M32.6M
End Period Cash Flow127.4M657.5M682.8M222.5M76.8M146.8M
Investments887K(16.9M)(276.1M)(433.4M)(22.1M)(23.2M)
Change Receivables(903K)1.6M982K(4.3M)(3.9M)(3.7M)
Net Borrowings(55.1M)10.6M(23.7M)(28.9M)(26.0M)(24.7M)
Change To Netincome(7.7M)9.0M(13.4M)(639K)(575.1K)(546.3K)

First Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First Financial's current stock value. Our valuation model uses many indicators to compare First Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Financial competition to find correlations between indicators driving First Financial's intrinsic value. More Info.
First Financial is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First Financial is roughly  9.87 . At this time, First Financial's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value First Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

First Financial Systematic Risk

First Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. First Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on First Financial correlated with the market. If Beta is less than 0 First Financial generally moves in the opposite direction as compared to the market. If First Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one First Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of First Financial is generally in the same direction as the market. If Beta > 1 First Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in First Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.63)

At this time, First Financial's Price Earnings To Growth Ratio is most likely to increase slightly in the upcoming years.

First Financial November 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of First Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of First Financial based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First Financial's daily price indicators and compare them against related drivers.

Complementary Tools for First Stock analysis

When running First Financial's price analysis, check to measure First Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Financial is operating at the current time. Most of First Financial's value examination focuses on studying past and present price action to predict the probability of First Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Financial's price. Additionally, you may evaluate how the addition of First Financial to your portfolios can decrease your overall portfolio volatility.
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