# First Financial Corporation (THFF) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $79.34, market value $944 million.

## Valuation
- **P/E (trailing): 11.1×** (5-yr avg 8.7×, 3-yr avg 9.1×). First Financial Corporation trades at 11.1× trailing earnings, well above its own five-year average of 8.7×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.14**. A PEG of 0.14 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.9%** (5-yr avg 13.2%). Free cash flow equals 9.9% of the market value, below its five-year average of 13.2%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 9.0%**. The inverse of the P/E: 9.0% of the price is earned each year.

## Profitability
- **Return on equity: 12.2%**. 12.2% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 67.0%** (3-yr 4.7%/yr, 5-yr 11.2%/yr). Earnings per share rose 67.0%.
- **Free-cash-flow growth (3 yr): 3.8%/yr**. Free cash flow has compounded at 3.8% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.82%** ($2.19 per share, trailing). First Financial Corporation yields 2.82%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 31%** (27% of free cash flow). 31% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): 14.4%/yr** (1-yr 51.1%). The dividend has compounded at 14.4% a year over five years, doubling roughly every 5 years at that pace.

## Analyst view
- **Analyst consensus: hold** (2 analysts). 2 analysts cover First Financial Corporation; the consensus is hold, with an average price target of $86.00 (+8% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 37.0%** (YTD 34.7%, 3-mo 12.4%). The shares are up 37.0% over twelve months including dividends.
- **From 52-week high: -5.7%** (54.9% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 0.61** (volatility 26%). Beta of 0.61 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=THFF · Page: https://foliofundamentals.com/stocks/thff

Not investment advice.