What is First Financial Corp's earnings per share (EPS)?

First Financial Corp (THFF) reported diluted earnings per share of $6.68 for fiscal year 2025. This represents a 67.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Financial Corp Financials

THFF

Trailing 12 months to June 30, 2026

Revenue $320.5M +9.9% YoY

Net Income $84.8M +36.8% YoY

EPS (Diluted) $6.68 FY2025 annual

Free Cash Flow $93.0M +40.1% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

First Financial Corp (THFF) reported $320.5M in revenue over the twelve months to Jun 30, 2026, up 9.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI THFF FY2025 2026-08-29

Funding costs drive earnings swings, while a liability-funded balance sheet and modest reinvestment shape the business's operating mechanics.

The earnings trough looks more connected to funding economics than volume: revenue reached $264.7M in FY2024 while interest expense climbed to $89.8M. In FY2025, margin recovery lifted net margin to 25.9% as interest expense eased to $85.7M, linking profit recovery to financing conditions rather than top-line growth alone.

FY2025 cash conversion was close: free cash flow was $86.4M versus net income of $79.2M, indicating reported profit was broadly accompanied by cash generation. Operating cash flow of $90.4M and capital expenditures of $4.0M left little internally generated cash absorbed by measured reinvestment.

The balance-sheet scale makes margins easy to overread: a 25.9% net margin translated into only a 1.4% ROA because earnings sit atop a large asset base. Debt-to-equity rose from 0.1x in FY2024 to 0.3x in FY2025, so leverage increased alongside the profit recovery rather than declining with it.

Financial Health Signals

Financial Health Score 51/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Financial Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for First Financial Corp, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

5/7

First Financial Corp passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.14x

For every $1 of reported earnings, First Financial Corp generates $1.14 in operating cash flow ($90.4M OCF vs $79.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$305.6M

YoY+15.4%

5Y CAGR+13.7%

10Y CAGR+10.9%

First Financial Corp generated $305.6M in revenue in fiscal year 2025. This represents an increase of 15.4% from the prior year.

Net Income

$79.2M

YoY+67.5%

5Y CAGR+8.0%

10Y CAGR+10.1%

First Financial Corp reported $79.2M in net income in fiscal year 2025. This represents an increase of 67.5% from the prior year.

EPS (Diluted)

$6.68

YoY+67.0%

5Y CAGR+11.2%

First Financial Corp earned $6.68 per diluted share (EPS) in fiscal year 2025. This represents an increase of 67.0% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$86.4M

YoY+59.3%

5Y CAGR+3.3%

10Y CAGR+8.6%

First Financial Corp generated $86.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 59.3% from the prior year.

Cash & Debt

$130.4M

YoY+39.4%

5Y CAGR-27.6%

10Y CAGR+3.9%

First Financial Corp held $130.4M in cash against $188.2M in long-term debt as of fiscal year 2025.

Dividends Per Share

$2.09

YoY+12.4%

5Y CAGR+14.8%

10Y CAGR+7.9%

First Financial Corp paid $2.09 per share in dividends in fiscal year 2025. This represents an increase of 12.4% from the prior year.

Shares Outstanding

12M

YoY+0.3%

5Y CAGR-2.5%

10Y CAGR-0.6%

First Financial Corp had 12M shares outstanding in fiscal year 2025. This represents an increase of 0.3% from the prior year.

Margins & Returns

Net Margin

25.9%

YoY+8.1pp

5Y CAGR-7.6pp

10Y CAGR-1.9pp

First Financial Corp's net profit margin was 25.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 8.1 percentage points from the prior year.

Return on Equity

12.2%

YoY+3.6pp

5Y CAGR+3.1pp

10Y CAGR+4.8pp

First Financial Corp's ROE was 12.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 3.6 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$795K

YoY+111.4%

5Y CAGR-38.7%

10Y CAGR-21.3%

First Financial Corp spent $795K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 111.4% from the prior year.

Capital Expenditures

$4.0M

YoY-34.8%

5Y CAGR+0.4%

10Y CAGR+1.6%

First Financial Corp invested $4.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 34.8% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

THFF Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

THFF quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$320.5M	$305.6M+15.4%	$264.7M+15.9%	$228.4M+24.6%	$183.3M+20.4%	$152.2M-5.2%	$160.5M+7.6%	$149.1M+18.1%	$126.2M+10.5%	$114.2M+4.4%	$109.4M+0.6%	$108.7M-4.1%	$113.4M-2.5%	$116.2M-5.0%	$122.3M+5.1%	$116.3M
SG&A Expenses	$82.8M	$79.1M+6.1%	$74.6M+8.8%	$68.5M+4.5%	$65.6M+1.7%	$64.5M+4.1%	$61.9M+13.0%	$54.8M+8.2%	$50.7M+1.1%	$50.1M0.0%	$50.1M-16.7%	$60.1M+7.5%	$55.9M+1.5%	$55.1M-40.8%	$93.1M+23.8%	$75.2M
Interest Expense	$87.2M	$85.7M-4.5%	$89.8M+46.8%	$61.1M+234.8%	$18.3M+107.6%	$8.8M-37.8%	$14.1M-19.1%	$17.5M+81.1%	$9.6M+52.2%	$6.3M+43.8%	$4.4M+5.7%	$4.2M-24.6%	$5.5M-38.3%	$9.0M-33.1%	$13.4M-21.9%	$17.1M
Income Tax	$20.1M	$19.5M+97.4%	$9.9M-16.4%	$11.8M-29.0%	$16.7M+31.9%	$12.6M+8.0%	$11.7M-3.6%	$12.1M+8.8%	$11.1M-46.0%	$20.6M+3.7%	$19.9M+91.3%	$10.4M-26.8%	$14.2M+3.1%	$13.8M-0.4%	$13.8M-4.0%	$14.4M
Net Income	$84.8M	$79.2M+67.5%	$47.3M-22.1%	$60.7M-14.7%	$71.1M+34.2%	$53.0M-1.6%	$53.8M+10.2%	$48.9M+4.9%	$46.6M+59.9%	$29.1M-24.2%	$38.4M+27.2%	$30.2M-10.6%	$33.8M+7.1%	$31.5M-3.9%	$32.8M-11.8%	$37.2M
EPS (Diluted)	—	$6.68+67.0%	$4.00-21.3%	$5.08-12.7%	$5.82+44.8%	$4.02+2.3%	$3.93	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$84.2M+8.0%	$77.9M-4.6%	$81.7M+6.6%	$76.6M+3.3%	$74.2M+1.6%	$73.0M+0.2%	$72.9M+1.6%	$71.7M
SG&A Expenses	$21.3M-0.4%	$21.4M+4.7%	$20.4M+3.1%	$19.8M+0.5%	$19.7M+2.3%	$19.2M-9.7%	$21.3M+15.1%	$18.5M
Interest Expense	$23.0M+9.4%	$21.0M-0.5%	$21.1M-4.2%	$22.0M+2.5%	$21.5M+2.1%	$21.1M-9.5%	$23.3M-5.1%	$24.5M
Income Tax	$5.3M+7.7%	$4.9M+0.3%	$4.9M-1.8%	$5.0M+17.7%	$4.2M-21.1%	$5.4M+42.4%	$3.8M+123.5%	$1.7M
Net Income	$22.7M+14.8%	$19.8M-7.7%	$21.5M+3.3%	$20.8M+11.7%	$18.6M+1.0%	$18.4M+13.3%	$16.2M+85.8%	$8.7M
EPS (Diluted)	N/A	$1.67-7.7%	$1.81+3.4%	$1.75+11.5%	$1.57+1.3%	$1.55+13.1%	$1.37+85.1%	$0.74

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

THFF Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

THFF quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$5.8B+3.5%	$5.6B+14.6%	$4.9B-2.8%	$5.0B-3.6%	$5.2B+13.5%	$4.6B+13.4%	$4.0B+33.7%	$3.0B+0.3%	$3.0B+0.4%	$3.0B+0.3%	$3.0B-0.8%	$3.0B-0.5%	$3.0B+4.3%	$2.9B-2.0%	$3.0B
Cash & Equivalents	$130.4M+39.4%	$93.5M+21.8%	$76.8M-65.5%	$222.5M-67.7%	$688.0M+4.6%	$657.5M+416.0%	$127.4M+71.3%	$74.4M+0.4%	$74.1M-1.2%	$75.0M-15.4%	$88.7M+13.6%	$78.1M+10.0%	$71.0M-18.6%	$87.2M-35.0%	$134.3M
Goodwill	$98.2M-1.8%	$100.0M+15.0%	$87.0M0.0%	$87.0M+1.0%	$86.1M+9.6%	$78.6M0.0%	$78.6M+128.8%	$34.4M0.0%	$34.4M0.0%	$34.4M-13.0%	$39.5M0.0%	$39.5M0.0%	$39.5M+5.0%	$37.6M+1.9%	$36.9M
Total Liabilities	$5.1B+1.9%	$5.0B+15.9%	$4.3B-4.2%	$4.5B-1.7%	$4.6B+15.9%	$4.0B+14.4%	$3.5B+35.1%	$2.6B-0.8%	$2.6B+0.5%	$2.6B+0.2%	$2.6B-1.5%	$2.6B-0.9%	$2.6B+4.3%	$2.5B-3.2%	$2.6B
Long-Term Debt	$188.2M+569.3%	$28.1M-74.1%	$108.6M+1032.3%	$9.6M-39.8%	$15.9M+265516.7%	$6K-80.6%	$31K	$0	$0-100.0%	$132K-99.0%	$12.7M-1.6%	$12.9M-77.9%	$58.3M+48593.0%	$120K	N/A
Total Equity	$650.9M+18.5%	$549.0M+4.0%	$528.0M+11.1%	$475.3M-18.4%	$582.6M-2.4%	$597.0M+9.1%	$547.1M+23.6%	$442.7M+7.0%	$413.6M-0.2%	$414.4M+1.0%	$410.3M+4.1%	$394.2M+2.1%	$386.2M+3.8%	$372.1M+7.3%	$347.0M
Retained Earnings	$741.8M+7.9%	$687.4M+3.6%	$663.7M+8.0%	$614.8M+10.0%	$559.1M+7.3%	$521.1M+5.9%	$492.1M+7.7%	$456.7M+8.7%	$420.3M-0.4%	$421.8M+6.6%	$395.6M+4.7%	$378.0M+5.8%	$357.1M+5.5%	$338.3M+6.4%	$318.1M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$6.2B+0.8%	$6.1B+6.5%	$5.8B+1.5%	$5.7B+1.2%	$5.6B+1.0%	$5.5B-0.2%	$5.6B+1.4%	$5.5B
Cash & Equivalents	$96.6M-0.3%	$96.9M-25.7%	$130.4M+49.1%	$87.4M-10.1%	$97.3M+12.8%	$86.2M-7.8%	$93.5M+21.0%	$77.3M
Goodwill	$98.2M0.0%	$98.2M0.0%	$98.2M0.0%	$98.2M0.0%	$98.2M-1.8%	$100.0M0.0%	$100.0M+2.8%	$97.3M
Total Liabilities	$5.5B+0.5%	$5.5B+7.2%	$5.1B+1.1%	$5.0B+0.6%	$5.0B+0.8%	$5.0B-0.7%	$5.0B+1.9%	$4.9B
Long-Term Debt	$291.5M+39.6%	$208.8M+10.9%	$188.2M+10.4%	$170.5M+38.9%	$122.7M-1.8%	$124.9M+344.2%	$28.1M-7.7%	$30.5M
Total Equity	$675.8M+3.1%	$655.3M+0.7%	$650.9M+4.6%	$622.2M+5.9%	$587.7M+2.7%	$571.9M+4.2%	$549.0M-3.0%	$566.0M
Retained Earnings	$771.0M+2.1%	$754.9M+1.8%	$741.8M+2.0%	$727.0M+2.1%	$712.3M+1.8%	$699.7M+1.8%	$687.4M+1.5%	$677.2M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.

THFF Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

THFF quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$97.3M	$90.4M+49.8%	$60.4M-29.9%	$86.1M+9.3%	$78.8M+43.1%	$55.1M-28.9%	$77.4M+55.2%	$49.9M-13.1%	$57.4M+14.6%	$50.1M+21.7%	$41.2M-0.2%	$41.3M-28.7%	$57.8M-7.7%	$62.7M+14.9%	$54.6M+26.2%	$43.2M
Capital Expenditures	$4.3M	$4.0M-34.8%	$6.1M-6.6%	$6.5M+358.7%	$1.4M-62.8%	$3.8M-1.9%	$3.9M+254.3%	$1.1M-45.2%	$2.0M-32.4%	$3.0M-2.3%	$3.0M-10.1%	$3.4M-35.9%	$5.3M+110.0%	$2.5M-77.0%	$10.9M+641.5%	$1.5M
Free Cash Flow	$93.0M	$86.4M+59.3%	$54.3M-31.8%	$79.5M+2.8%	$77.4M+51.0%	$51.2M-30.3%	$73.5M+50.7%	$48.8M-12.0%	$55.4M+17.6%	$47.2M+23.6%	$38.1M+0.7%	$37.9M-27.9%	$52.5M-12.7%	$60.2M+37.9%	$43.6M+4.5%	$41.8M
Investing Cash Flow	-$224.2M	-$126.2M-90.8%	-$66.1M-199.2%	-$22.1M+94.9%	-$433.7M-38.9%	-$312.2M-1821.2%	-$16.2M+50.6%	-$32.9M+4.2%	-$34.3M-28.7%	-$26.7M	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	$126.2M	$72.6M+222.4%	$22.5M+110.7%	-$209.8M-89.6%	-$110.6M-138.5%	$287.6M-38.7%	$468.9M+1202.3%	$36.0M+257.6%	-$22.8M+6.3%	-$24.4M	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	$25.4M	$24.2M+13.7%	$21.2M+38.1%	$15.4M+6.4%	$14.5M+2.0%	$14.2M-0.6%	$14.3M+12.8%	$12.6M+1.2%	$12.5M-59.1%	$30.6M+147.2%	$12.4M-2.2%	$12.6M-2.4%	$12.9M+1.4%	$12.8M+2.7%	$12.4M+1.6%	$12.2M
Share Buybacks	$332K	$795K+111.4%	$376K-96.7%	$11.5M-58.4%	$27.7M-34.8%	$42.5M+360.6%	$9.2M+2827.0%	$315K-19.4%	$391K-22.3%	$503K-97.4%	$19.4M+123.0%	$8.7M-40.6%	$14.6M+8932.7%	$162K	$0	$0

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$18.1M-20.1%	$22.6M-24.0%	$29.8M+10.9%	$26.9M+111.1%	$12.7M-39.6%	$21.1M+32.8%	$15.9M-32.0%	$23.3M
Capital Expenditures	$1.3M+89.2%	$687K-42.6%	$1.2M+9.9%	$1.1M-4.0%	$1.1M+100.2%	$566K-45.5%	$1.0M-72.5%	$3.8M
Free Cash Flow	$16.8M-23.6%	$21.9M-23.3%	$28.6M+10.9%	$25.8M+122.4%	$11.6M-43.5%	$20.5M+38.3%	$14.8M-24.2%	$19.5M
Investing Cash Flow	-$45.9M+34.7%	-$70.3M-58.8%	-$44.3M+30.6%	-$63.8M-126.7%	-$28.1M-380.6%	$10.0M+110.4%	-$96.3M-273.9%	$55.3M
Financing Cash Flow	$27.5M+94.3%	$14.2M-75.3%	$57.4M+111.8%	$27.1M+2.4%	$26.5M+168.9%	-$38.4M-139.7%	$96.6M+226.5%	-$76.4M
Dividends Paid	$6.7M+0.2%	$6.7M+10.0%	$6.0M0.0%	$6.0M0.0%	$6.0M+0.2%	$6.0M+13.5%	$5.3M0.0%	$5.3M
Share Buybacks	$0-100.0%	$332K	$0	$0	$0-100.0%	$795K	$0	$0

THFF Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

THFF quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	25.9%+8.1pp	17.9%-8.7pp	26.6%-12.2pp	38.8%+4.0pp	34.8%+1.3pp	33.6%+0.8pp	32.8%-4.1pp	36.9%+11.4pp	25.5%-9.6pp	35.1%+7.3pp	27.8%-2.0pp	29.8%+2.7pp	27.1%+0.3pp	26.8%-5.1pp	32.0%
Return on Equity	12.2%+3.6pp	8.6%-2.9pp	11.5%-3.5pp	15.0%+5.9pp	9.1%+0.1pp	9.0%+0.1pp	8.9%-1.6pp	10.5%+3.5pp	7.0%-2.2pp	9.3%+1.9pp	7.4%-1.2pp	8.6%+0.4pp	8.2%-0.7pp	8.8%-1.9pp	10.7%
Return on Assets	1.4%+0.5pp	0.9%-0.4pp	1.3%-0.2pp	1.4%+0.4pp	1.0%-0.2pp	1.2%0.0pp	1.2%-0.3pp	1.6%+0.6pp	1.0%-0.3pp	1.3%+0.3pp	1.0%-0.1pp	1.1%+0.1pp	1.0%-0.1pp	1.1%-0.1pp	1.3%
Debt-to-Equity	0.29+0.2x	0.05-0.2x	0.21+0.2x	0.020.0x	0.030.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.030.0x	0.03-0.1x	0.15+0.2x	0.00-7.5x	7.51
FCF Margin	28.3%+7.8pp	20.5%-14.3pp	34.8%-7.4pp	42.2%+8.5pp	33.7%-12.2pp	45.8%+13.1pp	32.7%-11.2pp	43.9%+2.6pp	41.3%+6.4pp	34.9%0.0pp	34.8%-11.5pp	46.4%-5.4pp	51.8%+16.1pp	35.7%-0.2pp	35.9%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	27.0%+1.6pp	25.4%-0.8pp	26.3%-0.8pp	27.1%+2.0pp	25.1%-0.1pp	25.2%+2.9pp	22.3%+10.1pp	12.2%
Return on Equity	3.4%+0.3pp	3.0%-0.3pp	3.3%0.0pp	3.3%+0.2pp	3.2%-0.1pp	3.2%+0.3pp	3.0%+1.4pp	1.5%
Return on Assets	0.4%+0.1pp	0.3%-0.1pp	0.4%0.0pp	0.4%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.2%
Debt-to-Equity	0.43+0.1x	0.320.0x	0.290.0x	0.27+0.1x	0.210.0x	0.22+0.2x	0.050.0x	0.05
FCF Margin	19.9%-8.2pp	28.1%-6.8pp	35.0%+1.4pp	33.6%+18.0pp	15.6%-12.4pp	28.1%+7.7pp	20.3%-6.9pp	27.3%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where First Financial Corp Ranks

Frequently Asked Questions

What is First Financial Corp's annual revenue?

First Financial Corp (THFF) reported $305.6M in total revenue for fiscal year 2025. This represents a 15.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Financial Corp's revenue growing?

First Financial Corp (THFF) revenue grew by 15.4% year-over-year, from $264.7M to $305.6M in fiscal year 2025.

Is First Financial Corp profitable?

Yes, First Financial Corp (THFF) reported a net income of $79.2M in fiscal year 2025, with a net profit margin of 25.9%.

How much debt does First Financial Corp have?

As of fiscal year 2025, First Financial Corp (THFF) had $130.4M in cash and equivalents against $188.2M in long-term debt.

What is First Financial Corp's net profit margin?

First Financial Corp (THFF) had a net profit margin of 25.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Financial Corp pay dividends?

Yes, First Financial Corp (THFF) paid $2.09 per share in dividends during fiscal year 2025.

What is First Financial Corp's return on equity (ROE)?

First Financial Corp (THFF) has a return on equity of 12.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Financial Corp's free cash flow?

First Financial Corp (THFF) generated $86.4M in free cash flow during fiscal year 2025. This represents a 59.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Financial Corp's operating cash flow?

First Financial Corp (THFF) generated $90.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First Financial Corp's total assets?

First Financial Corp (THFF) had $5.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First Financial Corp's capital expenditures?

First Financial Corp (THFF) invested $4.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does First Financial Corp buy back shares?

Yes, First Financial Corp (THFF) spent $795K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does First Financial Corp have outstanding?

First Financial Corp (THFF) had 12M shares outstanding as of fiscal year 2025.

What is First Financial Corp's debt-to-equity ratio?

First Financial Corp (THFF) had a debt-to-equity ratio of 0.29 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Financial Corp's return on assets (ROA)?

First Financial Corp (THFF) had a return on assets of 1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Financial Corp's Piotroski F-Score?

First Financial Corp (THFF) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Financial Corp's earnings high quality?

First Financial Corp (THFF) has an earnings quality ratio of 1.14x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Financial Corp?

First Financial Corp (THFF) scores 51 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.