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    First Financial Corporation Indiana (THFF)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $73.38
    -0.25 (-0.34%)

    Market Cap: $868.23M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    74%(29/39)
    Avg Surprise
    +11.31%
    Streak
    7 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$2.03
    Range$1.99 - $2.09
    3 analysts
    EPS RevisionsNo revisions (7d)
    2
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.89+7.0%
    60d ago$2.030.0%
    30d ago$2.030.0%
    7d ago$2.030.0%
    Current$2.03
    Revenue Consensus
    $75M
    Range$75M - $75M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$2.34
    Range$2.30 - $2.40
    3 analysts
    Revenue Consensus
    $79M
    Range$76M - $83M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$2.34---
    Sep 26EST
    		-$2.03---
    Jun 26
    Reported Jul 28
    		$1.91$1.71+11.70%Beat+21.7%
    Mar 26
    Reported Apr 28
    		$1.67$1.64+1.83%Beat+7.7%
    Dec 25
    Reported Feb 3
    		$1.81$1.72+5.23%Beat+32.1%
    Sep 25
    Reported Oct 28
    		$1.75$1.59+10.06%Beat+136.5%
    Jun 25
    Reported Jul 22
    		$1.57$1.40+12.14%Beat+63.5%
    Mar 25
    Reported Apr 22
    		$1.55$1.30+19.23%Beat+66.7%
    Dec 24
    Reported Feb 4
    		$1.37$1.28+7.03%Beat+29.2%
    Sep 24
    Reported Oct 22
    		$0.74$1.22-39.34%Miss-46.0%
    Jun 24
    Reported Jul 23
    		$0.96$0.97-1.03%Miss-27.8%
    Mar 24
    Reported Apr 30
    		$0.93$0.98-5.10%Miss-30.1%
    Dec 23
    Reported Jan 30
    		$1.06$1.13-6.19%Miss-22.6%
    Sep 23
    Reported Oct 24
    		$1.37$1.17+17.09%Beat-8.7%
    Jun 23
    Reported Jul 25
    		$1.33$1.22+9.02%Beat+4.7%
    Mar 23
    Reported Apr 25
    		$1.33$1.25+6.40%Beat-20.4%
    Dec 22
    Reported Feb 7
    		$1.37$1.38-0.72%Miss+38.4%
    Sep 22
    Reported Oct 25
    		$1.50$1.35+11.11%Beat+21.0%
    Jun 22
    Reported Jul 26
    		$1.27$1.09+16.51%Beat+2.4%
    Mar 22
    Reported Apr 26
    		$1.67$1.04+60.58%Beat+75.8%
    Dec 21
    Reported Feb 1
    		$0.99$1.10-10.00%Miss-13.9%
    Sep 21
    Reported Oct 26
    		$1.24$1.17+5.98%Beat+21.6%
    Jun 21
    Reported Jul 27
    		$1.24$0.91+36.26%Beat+42.5%
    Mar 21
    Reported Apr 27
    		$0.95$0.83+14.46%Beat+6.7%
    Dec 20
    Reported Feb 2
    		$1.15$0.89+29.21%Beat-12.9%
    Sep 20
    Reported Oct 28
    		$1.02$0.73+39.73%Beat-1.0%
    Jun 20
    Reported Jul 31
    		$0.87$0.61+42.62%Beat-16.3%
    Mar 20
    Reported Apr 29
    		$0.89$0.64+39.06%Beat+8.5%
    Dec 19
    Reported Feb 6
    		$1.32$1.00+32.00%Beat+46.7%
    Sep 19
    Reported Oct 25
    		$1.03$0.92+11.96%Beat+12.0%
    Jun 19
    Reported Jul 23
    		$1.04$0.84+23.81%Beat-16.8%
    Mar 19
    Reported Apr 23
    		$0.82$0.82+0.00%Beat+12.3%
    Dec 18
    Reported Feb 1
    		$0.90$0.91-1.10%Miss+23.3%
    Sep 18
    Reported Oct 23
    		$0.92$0.89+3.37%Beat+27.8%
    Jun 18
    Reported Jul 24
    		$1.25$0.84+48.81%Beat+83.8%
    Mar 18
    Reported Apr 24
    		$0.73$0.76-3.95%Miss-5.2%
    Dec 17
    Reported Feb 6
    		$0.73$0.71+2.82%Beat+58.7%
    Sep 17
    Reported Oct 23
    		$0.72$0.70+2.86%Beat-
    Jun 17
    Reported Jul 25
    		$0.68$0.69-1.45%Miss-
    Mar 17
    Reported Apr 26
    		$0.77$0.64+20.31%Beat-
    Dec 16
    Reported Feb 7
    		$0.46$0.67-31.34%Miss-

    Dividends

    Dividend Metrics

    Forward Yield3.05%
    Forward Annual Dividend$2.24
    Payout Ratio31.43%
    FrequencyQuarterly
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+20.36%
    5Y CAGR+14.42%
    THFF dividend history and ex-dividend datesRun THFF in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio10.28EV/EBITDA8.89x
    Price/FCF9.38xFCF Yield10.66%
    Profitability
    Profit Margin31.60%Operating Margin40.70%
    ROE13.40%ROIC8.76%
    Financial Health
    Debt/Equity0.43xInterest Coverage1.20x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.44Avg Volume121.43K
    52-Week High$83.5352-Week Low$49.54

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$73.86
    SMA 20$74.48
    SMA 50$77.30
    SMA 200$69.63
    EMA 10$73.86
    EMA 20$74.61
    EMA 50$75.66
    EMA 200$70.13

    MACD

    Line: -1.00Signal: -1.00Hist: 0.01

    ADX

    ADX: 30.8+DI: 16.1-DI: 26.7

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down68.0
    PSAR$72.04

    Bollinger Bands

    Upper Band$76.54
    Lower Band$72.42
    %B Position553%(Upper)
    Band Width0.23

    RSI (14-Day)

    Neutral
    39.6

    Momentum Oscillators

    Stoch %K35.1
    Stoch %D32.6
    Williams %R-61.0
    ROC (10d)-0.4%
    Momentum-0.32
    CCI (20d)-83.8
    MFI (14d)52.2

    Volatility Measures

    ATR (14d)$1.58(2.2%)
    StdDev (20d)1.03
    Hist Vol14.8%(Low)

    Volume Flow

    VWAP$73.61
    OBV1.8M
    AD Line-30.3M
    CMF (20d)-0.478

    Volume Metrics

    Avg Vol (20d)123.1K
    Vol Ratio1.4x
    VWMA (20d)$74.62

    Pivot Points

    R3$75.48
    R2$74.84
    R1$74.24
    Pivot Point$73.60
    S1$73.00
    S2$72.36
    S3$71.76

    Advanced Oscillators

    TSI-23.58
    Ultimate Osc34.4
    KST-50.66

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$71.87M$68.15M$70.55M$65.75M$63.05M$62.49M$61.81M$58.39M$49.20M$48.35M$50.84M$52.78M
    Cost of RevenueN/A$21.01M$2.40M$23.99M$23.46M$23.01M$25.27M$33.92M$24.44M$22.28M$21.65M$18.77M
    Gross ProfitN/A$56.93M$68.15M$63.80M$61.10M$60.54M$59.81M$48.99M$46.23M$46.55M$48.34M$51.58M
    Operating Expenses$42.53M$40.88M$41.84M$38.05M$38.28M$36.76M$39.80M$38.56M$32.65M$33.42M$34.24M$32.27M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$13.50M$27.00M$25.75M$22.83M$23.78M$20.01M$10.43M$13.58M$13.13M$14.10M$19.31M
    Interest Income$84.22M$77.95M$81.73M$76.64M$74.18M$73.03M$72.87M$71.69M$60.77M$59.40M$58.74M$58.72M
    Interest Expense$23.00M$21.01M$21.12M$22.04M$21.51M$21.06M$23.27M$24.52M$21.48M$20.48M$19.16M$17.57M
    Income Before Tax$28.04M$24.72M$26.36M$25.75M$22.83M$23.78M$20.01M$10.43M$13.58M$13.13M$14.10M$19.31M
    Income Tax Expense$5.30M$4.92M$4.90M$4.99M$4.24M$5.37M$3.77M$1.69M$2.21M$2.21M$1.68M$3.03M
    Net Income$22.74M$19.80M$21.45M$20.76M$18.59M$18.41M$16.24M$8.74M$11.37M$10.92M$12.42M$16.29M
    EBITDA$32.01M$28.34M$30.39M$29.34M$27.02M$28.08M$24.41M$14.82M$16.44M$15.99M$16.96M$22.23M
    EBIT$28.04M$24.72M$26.36M$25.75M$22.83M$23.78M$20.01M$10.43M$13.58M$13.13M$14.10M$19.31M
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

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    News

    First Financial Corporation Indiana (NASDAQ:THFF) Sees Large Volume Increase - What's Next?

    First Financial Corporation Indiana (NASDAQ:THFF) experienced unusually high trading volume on Tuesday, with 74,058 shares traded...

    MarketBeat•10/13/26•Bullish

    THFF Initiates Coverage by Hovde Group -- Rating Set to Outperfo

    Hovde Group has initiated coverage on First Financial (THFF) with an "Outperform" rating and a price target of $85.00...

    GuruFocus•10/12/26•Somewhat-Bullish

    Why First Financial Corp. (THFF) is a Top Dividend Stock for Your Portfolio

    First Financial Corp. (THFF) is highlighted as a top dividend stock due to its 3.03% dividend yield, which surpasses its industry and the S&P 500. The company has a strong history of dividend growth...

    Yahoo! Finance Canada•10/9/26•Bullish

    Shareholders get 56 cents from First Financial on Oct. 15

    First Financial Corporation (THFF) has declared a quarterly cash dividend of $0.56 per share. This dividend is payable on October 15, 2026, to shareholders of record as of October 1...

    Stock Titan•9/17/26•Somewhat-Bullish

    UNIVEST FINANCIAL Corp Makes New Investment in First Financial Corporation Indiana $THFF

    UNIVEST FINANCIAL Corp has made a new investment in First Financial Corporation Indiana (NASDAQ:THFF), acquiring 503,433 shares valued at approximately $22.0 million...

    MarketBeat•8/18/26•Somewhat-Bullish

    THFF Valuation and Fair Value

    P/E
    10.3x
    Forward P/E
    8.9x
    EV/EBITDA
    8.9x
    P/FCF
    9.4x
    PEG
    9.5x
    P/B
    1.3x
    See GNG's fair value

    THFF Profitability: Margins, ROIC and FCF

    Operating margin
    40.7%
    Net margin
    31.6%
    ROIC
    8.8%
    ROE
    13.4%
    FCF margin
    33.7%
    FCF yield
    10.7%

    THFF Competitors

    CompanyTicker
    Navient CorpNAVI
    Merchants BancorpMBINN
    Farmers National Banc CorpFMNB
    SmartFinancial, Inc.SMBK
    Barings BDC IncBBDC
    Prospect Capital CorporationPSEC
    Employers Holdings IncEIG
    Great Southern Bancorp IncGSBC

    Sector: Financial Services

    THFF Analyst Ratings

    Consensus
    Hold
    Analysts
    3
    Strong Buy
    0
    Buy
    0
    Hold
    3
    Sell
    0
    Strong Sell
    0

    THFF Bull Case vs Bear Case

    Bull case

    • THFF converts 33.7% of revenue into free cash flow.
    • THFF has a 31.6% net profit margin.
    • THFF beat EPS estimates in 87.5% of its last 8 reported quarters.

    THFF Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    3.5%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $2.03
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 0 down

    THFF Dividend

    Forward yield
    3.1%
    Payout ratio
    31.4%
    3Y DPS growth
    20.4%
    5Y DPS growth
    14.4%
    Pay months
    Jan, Apr, Jul, Oct
    THFF dividend history

    Frequently Asked Questions About THFF

    What is THFF's current dividend yield?

    First Financial Corporation Indiana (THFF) has a forward dividend yield of 3.05%.

    Does THFF pay dividends?

    Yes, First Financial Corporation Indiana pays dividends with a forward dividend yield of 3.05%.

    What is THFF's P/E ratio?

    First Financial Corporation Indiana has a price-to-earnings (P/E) ratio of 10.28.

    What is THFF's market cap?

    First Financial Corporation Indiana (THFF) has a market capitalization of $868.23M with a current stock price of $73.38.

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    Sector: Financial Services

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