Stocks · Financial Services · Banks - Regional
First Financial Corporation THFF
$74.99 +1.35% Close, Oct 2, 2026 · NASDAQ · Market cap $891.8M
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 7 quarters (average surprise over the last four: +6.1%).
- Net debt is 5.0× EBITDA, a high level of leverage.
- Diluted EPS over the last four quarters was $7.14, up 36.3% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth43Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 23%
- EPS growth (TTM, YoY)Top 30%
- FCF growth (TTM, YoY)Top 32%
- Revenue growth, 3-year CAGRBottom 39%
- Revenue growth accelerationBottom 42%
Quality63Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 29%
- Gross marginTop 19%
- Operating marginTop 32%
- Cash conversion (OCF / net income)Bottom 49%
- Accruals (lower is better)Bottom 45%
- Net debt / EBITDA (lower is better)Bottom 26%
- Interest coverTop 42%
Value60Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 19%
- Free-cash-flow yieldTop 31%
- EBITDA / enterprise valueTop 46%
- Sales / enterprise valueBottom 33%
- P/E vs own 5-year history (lower is better)Bottom 31%
Momentum76Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 11%
- 6-month returnTop 24%
- 1-year return vs S&P 500Top 15%
- Distance from 52-week highBottom 48%
- Trend checklist (0–4)Top 48%
Revisions62Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 43%
- Consecutive EPS beatsTop 16%
- Share of analysts rating BuyBottom 19%
- Upside to consensus price targetTop 37%
Stability45Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 40%
- Maximum drawdown, 3 yearsTop 30%
- Beta vs S&P 500 (lower is better)Bottom 33%
- Net debt / EBITDA (lower is better)Bottom 26%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -0.4% | -1.5% | ↓ |
| EPS growth (YoY) | 46.9% | 36.3% | ↓ |
| Gross margin | 68.6% | 78.3% | ↑ |
| Operating margin | 22.9% | 28.5% | ↑ |
| FCF margin | 19.8% | 28.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -1.5% | -0.4% | ↓ | Bottom 23% |
| EPS growth (TTM, YoY) | 36.3% | 46.9% | ↓ | Top 30% |
| Gross margin | 78.3% | 68.6% | ↑ | Top 19% |
| Operating margin | 28.5% | 22.9% | ↑ | Top 32% |
| Net margin | 25.6% | 18.4% | ↑ | — |
| Free-cash-flow margin | 28.9% | 19.8% | ↑ | — |
| Return on invested capital | 5.1% | — | Top 29% | |
| Revenue growth, 3-year CAGR | 12.4% | — | Bottom 39% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.15×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +10.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 5.04×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.85%
- Net buyback yield (TTM)
- 0.04%
- Shareholder yield
- 2.89%
- Share count change, 1 year
- +0.3%
- Share count change, 3-year CAGR
- -0.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 7
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +6.1%
- Average 2-day reaction, last 8
- +2.5%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $90.00
- Target vs current price
- +20.0%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 25%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +6.7% | +2.9% | +6.3% | +2.5% | — |
| Apr 28, 2026 | +1.8% | +0.8% | -2.2% | +4.1% | +13.7% |
| Feb 3, 2026 | +7.1% | +1.2% | +2.2% | -2.5% | -1.4% |
| Oct 28, 2025 | +8.7% | +3.1% | -1.7% | +5.8% | +14.9% |
| Jul 22, 2025 | +9.8% | +1.3% | -0.1% | -0.5% | -2.0% |
| Apr 22, 2025 | +20.2% | +5.4% | +12.1% | +20.8% | +28.5% |
| Feb 4, 2025 | +6.2% | +4.1% | +8.3% | +4.8% | +2.8% |
| Oct 22, 2024 | -18.7% | +0.8% | +2.3% | +14.0% | +9.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $1.91 | $1.79 | +6.7% | $71.9M |
| Apr 28, 2026 | $1.67 | $1.64 | +1.8% | $68.2M |
| Feb 3, 2026 | $1.81 | $1.69 | +7.1% | $70.5M |
| Oct 28, 2025 | $1.75 | $1.61 | +8.7% | $65.8M |
| Jul 22, 2025 | $1.57 | $1.43 | +9.8% | $63.1M |
| Apr 22, 2025 | $1.55 | $1.29 | +20.2% | $62.5M |
| Feb 4, 2025 | $1.37 | $1.29 | +6.2% | $61.8M |
| Oct 22, 2024 | $0.74 | $0.91 | -18.7% | $58.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.5× | 9.6× | 76th | Top 19% |
| P/E (forward) | 9.6× | — | — | — |
| EV / EBITDA | 13.9× | — | — | Top 46% |
| EV / Sales | 4.22× | — | — | Bottom 33% |
| Free-cash-flow yield | 10.75% | — | — | Top 31% |
| Earnings yield | 9.52% | — | — | Top 19% |
P/E over the past five years
Range 5.8× – 13.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +35.9%
- Earnings per share growth (TTM)
- +36.3%
- Change in P/E multiple
- +15.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 240
- 50-day average slope (20 days)
- -0.1%
- 200-day average slope (20 days)
- +2.4%
- Distance from 50-day average
- -4.6%
- Distance from 200-day average
- +7.2%
- RSI (14)
- 40.1
- Relative volume
- 0.62×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.9%
- Volatility vs own 5-year history
- 20th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.84
- Correlation with S&P 500
- 0.48
- Current drawdown from 1-year high
- -9.4%
- Maximum drawdown, 3 years
- -22.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 10, 2022 | May 4, 2023 | -36.0% | 119 days | 380 days (Nov 6, 2024) |
| Feb 11, 2025 | Apr 11, 2025 | -20.2% | 42 days | 51 days (Jun 26, 2025) |
| Mar 8, 2021 | Jul 8, 2021 | -17.2% | 85 days | 155 days (Feb 16, 2022) |
| Dec 11, 2024 | Jan 10, 2025 | -14.1% | 19 days | 17 days (Feb 5, 2025) |
| Sep 4, 2025 | Oct 17, 2025 | -14.0% | 31 days | 32 days (Dec 3, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $891.8M
- P/E (TTM)
- 10.5
- EPS, diluted (TTM)
- $7.14
- Revenue (TTM)
- $331.2M
- Dividend yield
- 2.99%
- 52-week range
- $51.21 – $84.17
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $194.3M | $230.0M | $271.1M | $307.5M | $326.4M |
| Gross profit | $183.0M | $213.8M | $202.7M | $201.6M | $253.6M |
| Operating income | $65.6M | $87.8M | $72.5M | $57.2M | $99.4M |
| Net income | $53.0M | $71.1M | $60.7M | $47.3M | $79.2M |
| EPS (diluted) | $4.02 | $5.82 | $5.08 | $4.00 | $6.68 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $82.9M | $85.1M | $83.5M | $84.6M | $87.8M | $70.5M | $77.9M | $94.9M |
| Net income | $8.7M | $16.2M | $18.4M | $18.6M | $20.8M | $21.5M | $19.8M | $22.7M |
| EPS (diluted) | $0.74 | $1.38 | $1.55 | $1.57 | $1.75 | $1.81 | $1.67 | $1.91 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $55.1M | $78.8M | $86.1M | $60.4M | $90.4M |
| Capital expenditure | -$3.8M | -$1.4M | -$6.5M | -$6.1M | -$4.0M |
| Free cash flow | $51.2M | $77.4M | $79.5M | $54.3M | $86.4M |
| Dividends paid | -$14.2M | -$14.5M | -$15.4M | -$21.2M | -$24.2M |
| Net share buybacks | -$42.5M | -$27.7M | -$11.5M | -$376,000 | -$795,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.26B
- Total assets
- $6.18B
- Total liabilities
- $5.50B
- Total debt
- $601.6M
- Net debt
- $504.9M
- Shareholders’ equity
- $675.8M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 1, 2026 | $0.56 | Oct 15, 2026 |
| Jul 1, 2026 | $0.56 | Jul 15, 2026 |
| Apr 1, 2026 | $0.56 | Apr 15, 2026 |
| Jan 2, 2026 | $0.56 | Jan 15, 2026 |
| Oct 1, 2025 | $0.51 | Oct 15, 2025 |
| Jul 1, 2025 | $0.51 | Jul 15, 2025 |
| Apr 1, 2025 | $0.51 | Apr 15, 2025 |
| Jan 3, 2025 | $0.51 | Jan 15, 2025 |
Short interest
- Shares sold short
- 399,683
- Days to cover
- 3.37
- Change vs previous report
- +6.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Oct 16, 2003
- 2-for-1
- Jan 7, 1998
- 21-for-20
- Jun 14, 1996
- 21-for-20
- Jun 16, 1995
- 21-for-20
- Oct 25, 1993
- 2-for-1