First Financial (THFF) Stock Price
First Financial Price
First Financial (THFF) Stock | ISIN US3202181000 | WKN 923508. The current First Financial stock price is 73.11 USD (2026). Revenue is 298.93 M USD. Net income is 83.94 M USD. The P/E ratio is 10.32. Market capitalization is 868.61 M USD. First Financial operates in the Finance sector.
Over the last 19 years First Financial grew revenue by 4.2% annually, reaching 347.56 M USD. Earnings per share have grown at 7.3% per year over the last 19 years. For First Financial, the net margin of 22.8% is down versus 27.3% a few years ago. At today's price the dividend yield works out to roughly 2.79%. The payout ratio is around 22% of earnings. The dividend has grown at 4.7% per year over the past 19 years.
First Financial stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of First Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how First Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing First Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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First Financial Revenue, EBIT, Net Income
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First Financial Income Statement, Balance Sheet, Cash Flow Statement
| REVENUE (M USD) |
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| REVENUE GROWTH (%) |
| GROSS MARGIN (%) |
| GROSS INCOME (M USD) |
| EBIT (M USD) |
| EBIT MARGIN (%) |
| NET INCOME (M USD) |
| NET INCOME GROWTH (%) |
| DIVIDEND (USD)DIV. (USD) |
| DIVIDEND GROWTH (%)DIV. GROWTH (%) |
| SHARES (M) |
| DOCUMENTS |
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e |
|---|---|---|---|---|---|---|---|
| 203 | 194 | 230 | 271 | 307 | 347 | 298 | 309 |
| 8.56 | -4.43 | 18.56 | 17.83 | 13.28 | 13.03 | -14.12 | 3.69 |
| - | - | - | - | - | - | - | - |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 122 | 125 |
| – | – | – | – | – | – | – | – |
| 53 | 53 | 71 | 60 | 47 | 79 | 83 | 86 |
| 10.42 | – | 33.96 | -15.49 | -21.67 | 68.09 | 5.06 | 3.61 |
| 1.04 | 1.06 | 1.07 | 1.98 | 1.35 | 2.04 | 0.56 | 1.63 |
| 0.97 | 1.92 | 0.94 | 85.05 | -31.82 | 51.11 | -72.55 | 191.07 |
| 13.7 | 13.2 | 12.2 | 11.94 | 11.81 | 11.85 | 11.85 | 11.85 |
| – | – | – | – | – | – | – | – |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales First Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue First Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare First Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares First Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against First Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
First Financial stock margins
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First Financial Stock Revenue, EBIT, Earnings per Share
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First Financial business model & stock analysis
First Financial SWOT Analysis
Strengths
First Financial Corp has a strong market presence and brand reputation, which has been built over several years of operation. It has successfully established a loyal customer base and has earned the trust of its clients.
The company's extensive product and service offerings cater to a wide range of financial needs. This diversified portfolio helps First Financial Corp attract and retain customers by offering them a comprehensive suite of financial solutions.
First Financial Corp benefits from a well-experienced and knowledgeable management team, equipped with expertise in various areas of banking and finance. Their leadership skills and strategic decision-making have contributed to the company's growth and profitability.
Weaknesses
Despite its strong market presence, First Financial Corp faces intense competition from both traditional banks and emerging fintech companies. This competitive landscape puts pressure on the company to continuously innovate and stay ahead of the curve.
First Financial Corp may be vulnerable to changes in interest rates and economic conditions, which could impact its profitability and loan portfolios. Fluctuations in the market and economic downturns pose risks to the company's performance.
The company's geographical concentration in specific regions exposes it to local economic factors. Any adverse developments in the local economy could significantly impact First Financial Corp's operations and financial performance.
Opportunities
First Financial Corp has the opportunity to expand its market reach by leveraging technology and investing in digital banking solutions. This enables the company to reach a wider customer base and provide convenient and efficient banking services.
The increasing demand for sustainable and socially responsible investment options presents an opportunity for First Financial Corp to develop and offer innovative green financial products. This aligns with the growing trend of conscious consumerism and enhances the company's brand image.
Collaborating with fintech startups or acquiring disruptive technology companies can help First Financial Corp stay competitive and foster innovation in its product and service offerings.
Threats
Regulatory changes and compliance requirements pose a significant threat to First Financial Corp. Adapting to new regulations and ensuring compliance can be time-consuming and costly for the company.
Cybersecurity threats and data breaches pose a risk to the security and privacy of First Financial Corp's customers. The company needs to continuously invest in robust cybersecurity measures to protect its systems and customer data from potential attacks.
Macroeconomic factors, such as economic recessions or financial crises, could adversely affect the banking industry as a whole. First Financial Corp needs to be prepared to navigate such challenges and mitigate potential negative impacts on its operations.
First Financial Eulerpool Fair Value
First Financial historical P/E ratio, EBIT multiple, and P/S ratio
First Financial annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
First Financial shares outstanding
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First Financial Dividend History
35 years of dividend payments
First Financial dividend history and estimates
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First Financial dividend payout ratio
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First Financial Earnings Estimates
First Financial Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 4/28/2026 | 1.67USD | 70.96 MUSD | 2026 Q1 |
| 4/20/2026 | 1.67USD | 70.96 MUSD | 2026 Q1 |
| 2/10/2026 | 1.75USD | 69.45 MUSD | 2025 Q4 |
| 2/2/2026 | 1.76USD | 69.45 MUSD | 2025 Q4 |
| 4/17/2024 | 1.06USD | 52.21 MUSD | 2024 Q1 |
| 1/17/2024 | 1.16USD | 53.16 MUSD | 2023 Q4 |
| 7/24/2023 | 1.37USD | 56.49 MUSD | 2023 Q2 |
| 4/24/2023 | 1.31USD | 55.86 MUSD | 2023 Q1 |
| 1/30/2023 | 1.39USD | 56.39 MUSD | 2022 Q4 |
| 10/25/2022 | 1.38USD | 54.24 MUSD | 2022 Q3 |
EESG©
Eulerpool ESG Scorecard© for the First Financial stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
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First Financial shareholder structure
| % | Name |
|---|---|
8.96512% | |
6.33972% | |
6.08104% | |
5.21141% | |
3.76662% | |
3.52358% | |
3.32267% | |
2.52916% | |
2.39675% | |
2.0776% |
First Financial Executives and Management Board
Mr. Norman Lowery
(78)Non-Executive Chairman of the Board · since 2025
Mr. Norman Lowery
(57)President, Chief Executive Officer, Director · since 2010
Mr. Mark Franklin
(46)Chief Lending Officer
Mr. Rodger Mchargue
(63)Chief Financial Officer, Treasurer, Secretary
Mr. Stephen Panagouleas
(52)Senior Vice President, Chief Lending Officer, Chief Credit Officer
First Financial Supply Chain
Frequently asked questions about First Financial
The business model of First Financial Corp revolves around providing financial services to individuals and businesses. As a leading financial institution, First Financial Corp offers a wide range of services including banking, lending, investment, and insurance products. Through its personalized approach and customer-centric focus, the company aims to meet the diverse needs of its clients, helping them achieve their financial goals and aspirations. With its extensive experience and expertise in the industry, First Financial Corp strives to deliver comprehensive and innovative solutions, ensuring a strong foundation for financial success.
First Financial stock
First Financial Peer Group
First Financial Ticker
First Financial FIGI
All fundamentals and in-depth analysis of First Financial
Our stock analysis for First Financial Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of First Financial Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.