US · THFF
First Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Terre Haute, IN 47807
- Website
- first-online.com
Price · as of 2025-12-31
$66.09
Market cap 750.85M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $112.96 | +70.92% |
| Intrinsic Value(DCF) | $53.06 | -19.72% |
| Graham-Dodd Method(GD) | $80.04 | +21.1% |
| Graham Formula(GF) | $93.96 | +42.17% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $20.52 | $36.89 | $21.53 | $23.75 | $16.49 |
| 2012 | $21.01 | $25.44 | $44.78 | $23.58 | $39.59 |
| 2013 | $23.86 | $23.52 | $50.96 | $23.51 | $12.01 |
| 2014 | $24.23 | $27.14 | $61.00 | $24.90 | $16.85 |
| 2015 | $24.85 | $30.68 | $62.10 | $25.89 | $10.13 |
| 2016 | $34.93 | $34.79 | $68.82 | $31.40 | $42.66 |
| 2017 | $35.74 | $28.82 | $68.06 | $5.44 | $10.26 |
| 2018 | $34.55 | $34.49 | $66.28 | $37.03 | $65.80 |
| 2019 | $32.91 | $28.45 | $69.99 | $41.48 | $81.76 |
| 2020 | $39.20 | $24.25 | $90.87 | $41.81 | $62.71 |
| 2021 | $40.16 | $34.88 | $124.70 | $41.60 | $16.52 |
| 2022 | $35.89 | $28.27 | $131.55 | $43.16 | $149.84 |
| 2023 | $34.66 | $27.71 | $117.08 | $43.03 | $127.86 |
| 2024 | $47.30 | $42.04 | $104.56 | $31.04 | $83.84 |
| 2025 | $64.80 | $112.96 | $118.58 | $80.04 | $93.96 |
AI valuation
Our deep-learning model estimates First Financial Corporation's (THFF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $112.96
- Current price
- $66.09
- AI upside
- +70.92%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$53.06
-19.72% upside
Graham-Dodd
$80.04
+21.1% upside
Graham Formula
$93.96
+42.17% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| THFF | First Financial Corporati… | $66.09 | 750.85M | +71% | -20% | +21% | +42% | 9.70 | 1.18 | 2.35 | -0.29 | 14.47 | 1.43 | 77.68% | 30.44% | 24.26% | 13.20% | -77.42% | 1.40% | 0.74 | 1.31 | 4.47 | 4.47 | 3.23 | 6700.00% | 616.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.31 | — | -0.10 | 0.60 |
| BCAL | Southern California Banco… | $18.31 | 591.83M | +194% | +14% | +30% | +249% | 9.53 | 1.04 | 2.58 | 4.39 | 1.23 | 1.34 | 79.37% | 37.75% | 27.06% | 11.59% | 16.62% | 1.56% | 0.12 | 1.55 | 0.24 | 0.24 | 0.22 | 77727.00% | 2623.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 1.31% | 4.39 | — | 1.66 | 0.02 |
| BOH | Bank of Hawaii Corporatio… | $75.77 | 3.01B | -33% | -3% | -62% | -10% | 15.04 | 1.67 | 2.86 | 7.17 | 44.87 | 1.70 | 67.44% | 26.75% | 19.00% | 11.70% | 57.25% | 0.86% | 0.05 | 0.83 | 11.00 | 11.00 | -2.73 | 3353.00% | 525.00% | 919.00% | 5.95% | 2.36 | 46.30% | 3.65% | 54.90% | 30.97% | 7.74 | 12.17 | 2.07 | 0.34 |
| CAC | Camden National Corporati… | $46.16 | 781.13M | +11% | +40% | -50% | +83% | 10.94 | 1.09 | 2.00 | 4.79 | 50.00 | 1.33 | 59.41% | 22.59% | 18.29% | 10.33% | 18.19% | 0.92% | 1.03 | 0.56 | 0.15 | 0.15 | 4.76 | 2189.00% | 1574.00% | -1469.00% | 9.54% | 0.01 | 19.00% | 4.23% | 46.30% | 21.78% | 5.07 | 6.00 | 1.15 | -0.62 |
| GSBC | Great Southern Bancorp, I… | $61.53 | 688.48M | +41% | -23% | +41% | -51% | 10.09 | 1.13 | 2.09 | 3.38 | 57.04 | 1.14 | 66.93% | 25.43% | 20.67% | 11.49% | 18.06% | 1.23% | 0.64 | 0.77 | 2.54 | 2.54 | 3.52 | 1768.00% | -337.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.38 | — | 0.86 | 0.46 |
| IBCP | Independent Bank Corporat… | $34.75 | 719.05M | +17% | -26% | -37% | +75% | 9.56 | 1.40 | 2.02 | 6.64 | 72.10 | 1.69 | 66.92% | 26.25% | 21.11% | 15.55% | 112.83% | 1.26% | 0.27 | 0.83 | 0.03 | 0.03 | 0.05 | 1326.00% | 1145.00% | -2065.00% | 8.64% | 0.01 | 93.25% | 3.14% | 30.00% | 3.14% | 7.44 | 11.19 | 1.95 | -0.77 |
| MCBS | MetroCity Bankshares, Inc… | $28.10 | 809.79M | +75% | +6% | -40% | +78% | 10.75 | 1.65 | 2.96 | 9.11 | 43.44 | 1.65 | 59.36% | 37.25% | 27.52% | 16.07% | 11.65% | 1.82% | 0.91 | 0.92 | 0.10 | 0.10 | 1.62 | 2475.00% | 1196.00% | -1938.00% | 8.97% | 0.02 | 11.24% | 3.04% | 32.60% | 9.77% | 9.42 | 13.22 | 3.51 | -0.41 |
| MPB | Mid Penn Bancorp, Inc. | $32.17 | 741.27M | -6% | +25% | +3% | +151% | 9.00 | 0.68 | 1.45 | 3.18 | 33.80 | 0.85 | 56.94% | 19.57% | 16.12% | 8.26% | 9.72% | 0.92% | 0.12 | 0.46 | 0.07 | 0.07 | 0.42 | 2664.00% | 2057.00% | -1029.00% | 9.99% | 0.01 | 8.74% | 3.11% | 28.00% | 58.93% | 3.54 | 4.78 | 0.69 | -0.76 |
| ORRF | Orrstown Financial Servic… | $35.94 | 700.79M | +1% | +31% | -32% | +184% | 20.65 | 0.88 | 1.60 | -11.03 | — | 1.14 | 61.20% | 9.79% | 7.76% | 5.64% | -9.07% | 0.52% | 0.41 | 0.30 | 0.24 | 0.24 | -1.04 | -5673.00% | 6299.00% | -1939.00% | 7.33% | 0.01 | -13.73% | 2.89% | 59.80% | 37.07% | -14.87 | -12.39 | -1.46 | -0.63 |
| SMBK | SmartFinancial, Inc. | $39.21 | 667.72M | -22% | -16% | -25% | +42% | 14.87 | 1.09 | 1.88 | -1.75 | 55.85 | 1.39 | 58.31% | 15.94% | 12.67% | 7.60% | -21.66% | 0.72% | 0.10 | 0.40 | 0.16 | 0.16 | -5.73 | 2663.00% | 1868.00% | 3842.00% | 8.61% | 0.01 | -27.74% | 1.01% | 15.00% | 17.58% | -2.19 | -2.15 | -0.35 | -0.69 |
| SPFI | South Plains Financial, I… | $40.96 | 667.39M | -6% | -27% | -21% | +59% | 11.00 | 1.25 | 1.93 | 0.43 | — | 1.40 | 65.35% | 22.36% | 17.56% | 11.75% | -133.01% | 1.18% | 0.25 | 0.67 | 0.18 | 0.18 | -3.56 | -1934.00% | 1392.00% | 403.00% | 10.25% | 0.02 | -149.89% | 1.67% | 18.40% | 7.18% | 0.47 | 0.53 | 0.11 | -0.51 |
About First Financial Corporation
First Financial Corporation, through its subsidiaries, provides various financial services. It offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. The company also provides commercial loans primarily to expand a business or finance asset purchases; residential real estate and residential real estate construction loans; and home equity loans and lines, secured loans, and cash/CD secured and unsecured loans. In addition, it offers lease financing, trust account, depositor, and insurance services. The company operates 78 branches in west-central Indiana, east-central Illinois, western Kentucky, and middle and western Tennessee. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.
- CEO
- Norman D. Lowery
- Employees
- 937
- Beta
- 0.41
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($53.06 ÷ $66.09) − 1 = -19.72% (DCF, example).