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First Financial Corporation operates as the bank holding company for First Financial Bank N.A. that provides various financial services for individuals and businesses in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia in the United States. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits; checking and savings accounts; personal and business certificates of deposit; and digital banking services. It also provides commercial loans primarily to expand a business or finance asset purchases; real estate mortgages, including residential real estate and residential real estate construction loans; home equity loans and lines, secured loans, cash/CD secured loans, and unsecured loans; mortgage refinance; personal and auto loans; and credit cards. In addition, the company offers lease financing, trust account, and depositor services; business services, including accounts receivable and payable, merchant services, fraud protection, money management, and workplace rewards; and wealth services. The company was formerly known as Terre Haute First Corporation and changed its name to First Financial Corporation in December 1984. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
First Financial Corporation Indiana is a regional bank holding company offering commercial and consumer banking, mortgage, wealth management and treasury services through a community banking franchise in Indiana and nearby markets. Long-term growth may be driven by local loan and deposit expansion, careful management of net interest margins through the rate cycle, and incremental fee income from wealth and mortgage services that could support steady earnings and franchise value.
Key investment risks include sensitivity to interest-rate and margin pressure, potential credit-quality deterioration in a regional downturn, competitive pressure from larger banks and fintech, and regulatory or compliance costs that could weigh on profitability.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 99.36M | 57.15M | 72.49M | 87.76M | 65.61M |
| Net income | 79.21M | 47.27M | 60.67M | 71.11M | 52.99M |
| Selling general administrative | 102.11M | 77.34M | 71.43M | 67.88M | 65.77M |
| Selling and marketing expenses | - | - | 20.46M | - | - |
| Gross profit | 253.59M | 201.59M | 202.67M | 211.76M | 185.49M |
| Reconciled depreciation | 12.22M | 9.95M | 6.53M | 6.11M | 6.15M |
| Ebit | 99.36M | 57.15M | 72.49M | 112.57M | 65.61M |
| Ebitda | 108.46M | 67.10M | 79.02M | 118.68M | 71.77M |
| Depreciation and amortization | 9.10M | 9.95M | 6.53M | 6.11M | 6.15M |
| Operating income | 99.36M | 57.15M | 72.49M | 112.57M | 65.61M |
| Other operating expenses | 227.09M | 250.36M | 198.61M | -99.19M | -119.87M |
| Interest expense | 75.80M | 89.76M | 61.13M | 18.26M | 8.80M |
| Tax provision | 19.51M | 9.88M | 11.82M | 16.65M | 12.63M |
| Interest income | 305.59M | 264.74M | 228.40M | 183.30M | 152.20M |
| Net interest income | 219.87M | 174.99M | 167.26M | 165.04M | 143.40M |
| Income tax expense | 20.15M | 9.88M | 11.82M | 16.65M | 12.63M |
| Total revenue | 326.44M | 307.51M | 271.10M | 211.76M | 185.49M |
| Total operating expenses | 154.23M | 144.44M | 130.18M | -99.19M | -119.87M |
| Cost of revenue | 72.85M | 105.92M | 68.43M | - | - |
| Total other income expense net | - | 214.01M | 72.49M | -24.81M | -8.80M |
| Net income from continuing ops | 79.21M | 47.27M | 60.67M | 71.11M | 52.99M |
| Net income applicable to common shares | - | - | - | 71.11M | 52.99M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 5756.13M | 5560.35M | 4851.15M | 4989.28M | 5170.80M |
| Intangible assets | 16.23M | 21.55M | 5.59M | 6.71M | 8.02M |
| Other current assets | - | - | 102.03M | -1552.98M | 1577.90M |
| Total liab | 5105.26M | 5011.31M | 4323.17M | 4514.00M | 4588.22M |
| Total stockholder equity | 650.87M | 549.04M | 527.98M | 475.28M | 582.58M |
| Other current liab | 4551.11M | 4718.91M | 750.34M | 4368.87M | -93.37M |
| Common stock | 2.02M | 2.02M | 2.01M | 2.01M | 2.01M |
| Capital stock | 2.02M | 2.02M | 2.01M | 2.01M | 2.01M |
| Retained earnings | 741.79M | 687.37M | 663.73M | 614.83M | 559.14M |
| Other liab | - | - | - | 58.77M | 69.34M |
| Good will | 98.23M | 100.03M | 86.98M | 86.98M | 86.14M |
| Other assets | 4255.42M | 4040.82M | - | 4808.15M | 1577.90M |
| Cash | 130.37M | 93.53M | 76.76M | 220.04M | 682.81M |
| Total current liabilities | 4843.58M | 4905.97M | 817.56M | 70.88M | 93.37M |
| Net debt | 350.31M | 121.65M | 99.04M | -139.57M | -573.50M |
| Short term debt | 292.47M | 187.06M | 67.22M | 70.88M | 93.37M |
| Short long term debt | - | - | - | 70.88M | 93.37M |
| Short long term debt total | 480.68M | 215.18M | 175.80M | 80.46M | 109.31M |
| Other stockholder equity | -6.26M | -8.06M | -10.68M | -1.57M | 23.85M |
| Property plant equipment | - | - | - | 66.15M | 69.52M |
| Total current assets | 853.09M | 847.42M | 102.03M | 21.29M | 2064.49M |
| Long term investments | 1149.53M | 1195.99M | 1259.14M | 1332.95M | 1364.73M |
| Net tangible assets | - | - | - | 381.59M | 488.42M |
| Short term investments | 694.96M | 726.96M | 1259.14M | 1332.95M | 1364.73M |
| Net receivables | 27.76M | 26.93M | 24.88M | 21.29M | 16.95M |
| Long term debt | 188.21M | 28.12M | 108.58M | 9.59M | 15.94M |
| Inventory | - | - | 51.88M | 0.34M | 0.11M |
| Accounts payable | - | - | - | 4368.87M | 4409.57M |
| Accumulated other comprehensive income | -86.68M | -132.28M | -127.09M | -139.98M | -2.43M |
| Common stock total equity | - | - | - | 2.01M | 2.01M |
| Retained earnings total equity | - | - | - | 614.83M | 559.14M |
| Treasury stock | - | - | - | -144.76M | -118.12M |
| Non currrent assets other | 248.12M | 200.48M | 178.25M | -1332.95M | -1528.41M |
| Non current assets total | 4903.04M | 4712.93M | 4749.12M | 159.85M | 1528.41M |
| Capital lease obligations | - | - | - | - | 6.22M |
| Long term debt total | - | - | - | 9.59M | 15.94M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 95.55M | -66.12M | -22.10M | -433.37M | -276.13M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -126.16M | -66.12M | -22.10M | -433.69M | -317.38M |
| Net borrowings | 265.34M | 37.58M | 95.35M | -28.90M | -23.69M |
| Total cash from financing activities | 72.59M | 22.52M | -209.75M | -110.61M | 287.65M |
| Net income | 79.21M | 47.27M | 60.67M | 71.11M | 52.99M |
| Change in cash | 36.84M | 16.77M | -145.76M | -465.51M | 25.34M |
| Begin period cash flow | 93.53M | 76.76M | 222.52M | 688.03M | 657.47M |
| End period cash flow | 130.37M | 93.53M | 76.76M | 222.52M | 682.81M |
| Total cash from operating activities | 90.41M | 60.37M | 86.09M | 78.79M | 55.07M |
| Depreciation | 12.22M | 9.95M | 6.53M | 6.11M | 6.15M |
| Other cashflows from investing activities | -217.73M | -211.76M | -96.64M | 1.11M | -37.41M |
| Dividends paid | 24.16M | 21.25M | 15.38M | -14.46M | -14.18M |
| Change to account receivables | -0.83M | -2.06M | -3.59M | -4.34M | 0.98M |
| Sale purchase of stock | -0.80M | -0.38M | -11.51M | -27.70M | -42.47M |
| Other cashflows from financing activities | -167.78M | 6.56M | -278.20M | -62.05M | 345.30M |
| Change to netincome | - | - | - | -0.64M | -13.38M |
| Capital expenditures | 3.98M | 6.11M | 6.54M | 1.43M | 3.83M |
| Change receivables | - | - | - | -4.34M | 0.98M |
| Cash flows other operating | - | - | - | -0.00M | -0.11M |
| Cash and cash equivalents changes | - | - | - | -465.51M | 25.34M |
| Change in working capital | -0.83M | -2.06M | -3.59M | -4.34M | 0.98M |
| Stock based compensation | 2.59M | 3.00M | 2.41M | 2.28M | 2.21M |
| Other non cash items | -2.00M | -1.08M | 20.54M | 6.78M | -5.70M |
| Free cash flow | 86.42M | 54.26M | 79.55M | 77.36M | 51.23M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| THFF First Financial Corporation Indiana |
1.32 1.73% |
77.78 | 10.94 | 8.94 | 3.46 | 1.38 | 4.42 |
| DBSDY DBS Group Holdings Ltd ADR |
-1.02 0.44% |
231.03 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.01 0.08% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.34 1.02% |
33.58 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
83.45 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
First Financial Corporation operates as the bank holding company for First Financial Bank N.A. that provides various financial services for individuals and businesses in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia in the United States. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits; checking and savings accounts; personal and business certificates of deposit; and digital banking services. It also provides commercial loans primarily to expand a business or finance asset purchases; real estate mortgages, including residential real estate and residential real estate construction loans; home equity loans and lines, secured loans, cash/CD secured loans, and unsecured loans; mortgage refinance; personal and auto loans; and credit cards. In addition, the company offers lease financing, trust account, and depositor services; business services, including accounts receivable and payable, merchant services, fraud protection, money management, and workplace rewards; and wealth services. The company was formerly known as Terre Haute First Corporation and changed its name to First Financial Corporation in December 1984. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.
One First Financial Plaza, Terre Haute, IN, United States, 47807
812 238 6000
946
| Name | Title | Year Born |
|---|---|---|
| Mr. Norman L. Lowery | Chairman, Pres & CEO | 1946 |
| Mr. Rodger A. McHargue | Sr. VP, Sec., Treasurer & CFO | 1962 |
| Mr. Norman D. Lowery | COO & Director | 1968 |
| Mr. Steven Harold Holliday | Sr. VP & Chief Credit Officer | 1961 |
| Ms. Karen L. Stinson-Milienu | Chief Branch Banking Officer, First Financial Bank NA | 1961 |
| Mr. Terry Tevlin | VP of Marketing | 1954 |
| Mark A. Franklin | Sr. VP & Chief Lending Officer | 1979 |
| Mr. Norman L. Lowery | Executive Chairman | 1946 |
| Mr. Norman D. Lowery | President, CEO & Director | 1968 |
| Mr. Rodger A. McHargue | Senior VP, Secretary, Treasurer & CFO | 1962 |
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