First Financial Corporation Indiana (THFF) Key Ratios
$79.34
As on 04-Sep-2026 16:00EDT
Market cap
$944 Mln
Revenue (TTM)
$331 Mln
P/E Ratio
11.1
P/B Ratio
1.4
Div. Yield
2.8 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 21.71 | 12.19 | -1.47 | 9.26 | 10.62 |
| EBIT | -- | -- | -31.53 | -13.24 | -6.13 |
| Net Profit | 14.84 | 22.37 | 36.77 | 8.40 | 7.43 |
| EPS | 14.77 | 21.94 | 36.33 | 8.98 | 10.30 |
| Book Value | -- | -- | 18.12 | 11.92 | 4.48 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 25.25 | 29.54 | 15.93 | 30.44 | 18.59 |
| Net Margin
| -- | -- | 25.60 | -- | -- |
| Return on equity
| 11.36 | 11.30 | 12.78 | 13.20 | 8.78 |
| Return on Capital
| 8.14 | 8.65 | -- | 8.36 | 6.44 |
| Return on Assets
| 1.18 | 1.21 | 1.22 | 1.40 | 0.91 |
| Debt to Equity (x)
| -- | -- | 0.43 | 0.74 | 0.39 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
--
|
8.36
|
6.44
|
9.63
|
11.34
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
12.78
Higher than Peers by 2.89
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
12.78
|
13.20
|
8.78
|
12.09
|
13.44
|
|
Peer Median
|
9.89
|
--
|
--
|
--
|
--
|
ROA
1.22
Higher than Peers by 0.25
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
1.22
|
1.40
|
0.91
|
1.23
|
1.40
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
15.93
Lower than Peers by 4.92
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
15.93
|
30.44
|
18.59
|
26.74
|
38.15
|
|
Peer Median
|
20.85
|
--
|
--
|
--
|
--
|
Net Margin
25.60
Higher than Peers by 5.49
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
25.60
|
24.26
|
15.37
|
22.38
|
30.91
|
|
Peer Median
|
20.11
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
-1.47
Lower than Peers by 12.58
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
-1.47
|
0.06
|
0.13
|
0.18
|
0.18
|
|
Peer Median
|
11.10
|
--
|
--
|
--
|
--
|
EBIT Growth
-31.53
Lower than Peers by 20.03
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
-31.53
|
73.84
|
-21.16
|
-17.40
|
33.75
|
|
Peer Median
|
-11.50
|
--
|
--
|
--
|
--
|
Net Profit Growth
36.77
Higher than Peers by 29.50
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
36.77
|
67.55
|
-22.08
|
-14.68
|
34.20
|
|
Peer Median
|
7.27
|
--
|
--
|
--
|
--
|
EPS Growth
36.33
Higher than Peers by 30.49
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
36.33
|
0.67
|
-0.21
|
-0.13
|
0.42
|
|
Peer Median
|
5.84
|
--
|
--
|
--
|
--
|
Book Value Growth
14.60
Higher than Peers by 5.86
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
14.60
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.74
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.43
Higher than Peers by 0.22
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
0.43
|
0.74
|
0.39
|
0.33
|
0.17
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.46
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
0.46
|
0.45
|
0.34
|
0.13
|
0.15
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
4.17
Higher than Peers by 3.87
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
4.17
|
0.18
|
0.17
|
0.33
|
0.35
|
|
Peer Median
|
0.30
|
--
|
--
|
--
|
--
|
Quick Ratio
4.17
Higher than Peers by 3.81
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
4.17
|
--
|
--
|
0.31
|
0.35
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
2.37
Higher than Peers by 0.62
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
2.37
|
1.31
|
0.64
|
1.19
|
4.81
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
8.55
Higher than Peers by 1.62
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
8.55
|
8.50
|
8.76
|
9.18
|
9.25
|
|
Peer Median
|
6.93
|
--
|
--
|
--
|
--
|
Asset Turnover
0.05
Lower than Peers by 0.00
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
0.05
|
0.06
|
0.06
|
0.06
|
0.05
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
--
|
30.60
|
30.77
|
31.10
|
30.36
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
--
|
--
|
178.90
|
139.36
|
-7,872.79
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
--
|
--
|
--
|
23,319.16
|
98,753.39
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
--
|
--
|
--
|
-23,148.70
|
-106,595.82
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
11.11
Lower than Peers by 1.83
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
11.11
|
9.04
|
11.54
|
8.47
|
7.86
|
|
Peer Median
|
12.95
|
--
|
--
|
--
|
--
|
Price / Book Value
1.39
Higher than Peers by 0.07
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
1.39
|
1.10
|
0.99
|
0.97
|
1.18
|
|
Peer Median
|
1.32
|
--
|
--
|
--
|
--
|
Dividend Yield
2.78
Higher than Peers by 0.33
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
2.78
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.45
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
--
|
3.43
|
-0.89
|
-8.18
|
-9.73
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
944
Higher than Peers by 626
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
First Financial Corporation Indiana (THFF)
|
944
|
--
|
--
|
--
|
--
|
|
Peer Median
|
317
|
--
|
--
|
--
|
--
|