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First Financial Corporation Indiana (THFF) Financials

First Financial Corporation Indiana logo
$67.96 +0.57 (+0.84%)
As of 01:41 PM Eastern
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Annual Income Statements for First Financial Corporation Indiana

Annual Income Statements for First Financial Corporation Indiana

This table shows First Financial Corporation Indiana's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 30 38 29 47 49 54 53 71 61 47 79
Consolidated Net Income / (Loss)		 30 38 29 47 49 54 53 71 61 47 79
Net Income / (Loss) Continuing Operations		 30 38 29 47 49 54 53 71 61 47 79
Total Pre-Tax Income 		41 58 50 58 61 66 66 88 72 57 99
Total Revenue		 144 152 144 155 170 189 185 212 210 218 262
Net Interest Income / (Expense)		 105 105 108 117 132 146 143 165 167 175 220
Total Interest Income		 109 109 114 126 149 160 152 183 228 265 306
Loans and Leases Interest Income		 84 86 91 101 125 137 128 146 190 226 268
Investment Securities Interest Income		 23 22 22 24 23 21 22 31 35 35 34
Other Interest Income		 1.65 1.48 1.38 1.29 1.47 2.31 2.33 6.02 3.54 3.71 3.32
Total Interest Expense		 4.17 4.41 6.34 9.65 17 14 8.80 18 61 90 86
Deposits Interest Expense		 3.93 4.16 6.01 9.03 16 13 8.16 17 52 81 72
Short-Term Borrowings Interest Expense		 0.07 0.13 0.25 0.50 1.11 0.57 0.39 1.24 5.37 4.28 6.50
Other Interest Expense		 0.17 0.11 0.08 0.11 0.65 0.77 0.25 0.27 4.07 4.40 6.79
Total Non-Interest Income		 39 47 36 38 38 42 42 47 43 43 42
Trust Fees by Commissions		 5.59 5.21 5.00 5.29 5.04 4.84 5.26 5.16 5.16 5.47 5.78
Other Service Charges		 32 27 29 31 31 30 31 39 36 35 39
Net Realized & Unrealized Capital Gains on Investments		 2.02 15 1.75 1.83 2.62 6.86 5.00 2.00 0.97 1.26 -3.15
Other Non-Interest Income		 - - - 0.00 0.00 0.34 0.55 0.56 0.68 0.66 0.76
Provision for Credit Losses		 4.70 3.30 5.30 5.77 4.70 11 2.47 -2.03 7.30 16 8.20
Total Non-Interest Expense		 98 90 89 91 104 113 117 126 130 144 155
Salaries and Employee Benefits		 60 50 50 51 55 62 64 66 69 75 79
Net Occupancy & Equipment Expense		 14 14 14 14 16 19 19 22 23 27 29
Property & Liability Insurance Claims		 1.77 1.30 0.92 0.93 0.69 0.32 1.29 2.33 2.91 2.79 2.85
Other Operating Expenses		 23 25 24 26 33 32 33 36 35 40 43
Income Tax Expense		 10 20 21 11 12 12 13 17 12 9.88 20
Basic Earnings per Share		 $2.35 $3.12 $2.38 $3.80 $3.80 $3.93 $4.02 $5.82 $5.08 $4.00 $6.68
Weighted Average Basic Shares Outstanding		 12.84M 12.32M 12.23M 12.26M 12.87M 13.72M 13.19M 12.21M 11.94M 11.81M 11.85M
Diluted Earnings per Share		 $2.35 $3.12 $2.38 $3.80 $3.80 $3.93 $4.02 $5.82 $5.08 $4.00 $6.68
Weighted Average Diluted Shares Outstanding		 12.84M 12.32M 12.23M 12.26M 12.87M 13.72M 13.19M 12.21M 11.94M 11.81M 11.85M
Weighted Average Basic & Diluted Shares Outstanding		 12.84M 12.32M 12.23M 12.26M 12.87M 13.72M 13.19M 12.07M 11.85M - 11.89M
Cash Dividends to Common per Share		 $0.98 $1.00 $2.51 $1.02 $1.03 $1.05 $1.16 $1.28 - $1.86 $2.09

Quarterly Income Statements for First Financial Corporation Indiana

This table shows First Financial Corporation Indiana's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 16 16 12 11 11 8.74 16 18 19 21 21
Consolidated Net Income / (Loss)		 16 16 12 11 11 8.74 16 18 19 21 21
Net Income / (Loss) Continuing Operations		 16 16 12 11 11 8.74 16 18 19 21 21
Total Pre-Tax Income 		19 19 14 13 14 10 20 24 23 26 26
Total Revenue		 53 53 51 48 49 58 62 62 63 66 71
Net Interest Income / (Expense)		 42 41 40 39 39 47 50 52 53 55 61
Total Interest Income		 56 59 59 59 61 72 73 73 74 77 82
Loans and Leases Interest Income		 46 49 49 50 51 61 63 64 65 67 72
Investment Securities Interest Income		 8.91 8.83 8.65 8.53 8.43 9.03 8.77 8.61 8.54 8.67 8.66
Other Interest Income		 0.84 0.75 0.68 0.82 0.88 1.29 0.72 0.81 0.87 0.90 0.74
Total Interest Expense		 14 18 19 20 21 25 23 21 22 22 21
Deposits Interest Expense		 12 14 17 18 20 22 21 18 18 18 18
Short-Term Borrowings Interest Expense		 1.29 1.92 1.35 0.98 0.96 0.99 1.36 1.69 1.40 1.92 1.50
Other Interest Expense		 0.79 2.02 1.23 1.78 0.82 1.34 0.47 1.17 1.61 2.12 1.88
Total Non-Interest Income		 10 12 11 9.43 9.91 11 12 11 10 11 9.93
Trust Fees by Commissions		 1.19 1.14 1.51 1.33 1.32 1.25 1.57 1.39 1.49 1.28 1.62
Other Service Charges		 8.96 10 8.95 7.74 8.15 9.28 10 8.68 8.28 9.18 12
Net Realized & Unrealized Capital Gains on Investments		 0.31 0.32 0.15 0.18 0.30 0.51 0.27 0.23 0.43 0.52 -4.32
Other Non-Interest Income		 0.00 0.00 0.63 0.18 0.14 0.18 0.16 0.21 0.18 0.18 0.19
Provision for Credit Losses		 1.80 1.20 2.50 1.80 2.97 9.40 2.00 1.95 1.95 1.95 2.35
Total Non-Interest Expense		 31 32 34 33 33 39 40 37 38 38 42
Salaries and Employee Benefits		 17 17 17 17 17 19 21 19 20 20 20
Net Occupancy & Equipment Expense		 5.66 5.97 5.85 6.50 6.51 6.84 7.38 7.18 7.06 7.55 7.67
Property & Liability Insurance Claims		 0.58 0.61 0.93 0.66 0.50 0.56 1.07 0.75 0.80 0.69 0.61
Other Operating Expenses		 8.17 8.52 10 8.93 8.26 13 10 9.58 11 10 13
Income Tax Expense		 3.51 3.03 1.68 2.21 2.21 1.69 3.77 5.37 4.24 4.99 4.90
Basic Earnings per Share		 $1.33 $1.37 $1.05 $0.93 $0.96 $0.74 $1.37 $1.55 $1.57 $1.75 $1.81
Weighted Average Basic Shares Outstanding		 12.02M 11.90M 11.94M 11.80M 11.81M 11.81M 11.81M 11.84M 11.85M 11.85M 11.85M
Diluted Earnings per Share		 $1.33 $1.37 $1.05 $0.93 $0.96 $0.74 $1.37 $1.55 $1.57 $1.75 $1.81
Weighted Average Diluted Shares Outstanding		 12.02M 11.90M 11.94M 11.80M 11.81M 11.81M 11.81M 11.84M 11.85M 11.85M 11.85M
Weighted Average Basic & Diluted Shares Outstanding		 11.98M 11.75M 11.85M 11.81M 11.81M 11.81M 0.00 11.85M 11.85M 11.85M 11.89M

Annual Cash Flow Statements for First Financial Corporation Indiana

This table details how cash moves in and out of First Financial Corporation Indiana's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 11 -14 -0.91 0.28 53 530 31 -466 -146 17 37
Net Cash From Operating Activities		 41 41 50 57 50 77 55 79 86 60 90
Net Cash From Continuing Operating Activities		 41 41 50 57 50 77 55 79 86 60 90
Net Income / (Loss) Continuing Operations		 30 38 29 47 49 54 53 71 61 47 79
Consolidated Net Income / (Loss)		 30 38 29 47 49 54 53 71 61 47 79
Provision For Loan Losses		 4.70 3.30 5.30 5.77 4.70 11 2.47 -2.03 7.30 16 8.20
Depreciation Expense		 5.49 4.97 4.43 4.16 4.83 6.09 6.15 6.11 6.53 9.95 12
Amortization Expense		 2.94 3.70 3.79 3.62 4.85 7.18 8.43 6.55 5.06 4.56 3.90
Non-Cash Adjustments to Reconcile Net Income		 -1.93 -8.61 8.10 -1.63 -12 -1.79 -16 1.38 10 -16 -12
Changes in Operating Assets and Liabilities, net		 -0.14 -0.58 -0.60 -1.06 -0.90 1.57 0.98 -4.34 -3.59 -2.06 -0.83
Net Cash From Investing Activities		 20 -44 -27 -34 -33 -16 -312 -434 -22 -66 -126
Net Cash From Continuing Investing Activities		 20 -44 -27 -34 -33 -16 -312 -434 -22 -66 -126
Purchase of Property, Leasehold Improvements and Equipment		 -3.39 -3.05 -2.98 -2.01 -1.10 -3.91 -3.84 -1.43 -6.54 -6.11 -3.98
Purchase of Investment Securities		 -149 -231 -184 -177 -214 -313 -623 -618 -30 -42 -111
Sale and/or Maturity of Investments		 174 171 153 145 189 293 304 195 5.84 -17 -12
Net Increase in Fed Funds Sold		 -1.82 2.86 6.95 0.00 -7.50 7.20 10 -9.07 9.09 -0.54 0.35
Net Cash From Financing Activities		 -50 -11 -24 -23 36 469 288 -111 -210 23 73
Net Cash From Continuing Financing Activities		 -50 -11 -24 -23 36 469 288 -111 -210 23 73
Net Change in Deposits		 -15 -14 30 -22 104 482 368 -40 -278 6.56 -168
Issuance of Debt		 37 54 170 116 217 17 0.00 0.00 2,080 1,525 2,850
Repayment of Debt		 -37 -67 -170 -116 -217 -42 -1.00 -6.40 -1,981 -1,607 -2,690
Repurchase of Common Equity		 -8.70 -19 -0.50 -0.39 -0.32 -9.22 -42 -28 -12 -0.38 -0.80
Payment of Dividends		 -13 -12 -31 -12 -13 -14 -14 -14 -15 -21 -24
Other Financing Activities, Net		 -14 47 -23 12 -55 36 -23 -22 -3.65 120 105
Cash Interest Paid		 4.24 4.43 6.34 9.41 16 15 9.14 18 59 89 86
Cash Income Taxes Paid		 13 19 11 7.19 9.60 7.55 15 14 11 10 13

Quarterly Cash Flow Statements for First Financial Corporation Indiana

This table details how cash moves in and out of First Financial Corporation Indiana's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2024 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents		 -0.53 -7.43 165 -7.53 5.84 2.24 16 -7.32 11 -9.83 43
Net Cash From Operating Activities		 14 28 -5.83 12 8.78 23 16 21 13 27 30
Net Cash From Continuing Operating Activities		 14 28 -5.83 12 8.78 23 16 21 13 27 30
Net Income / (Loss) Continuing Operations		 16 16 -0.98 11 11 8.74 16 18 19 21 21
Consolidated Net Income / (Loss)		 16 16 -0.98 11 11 8.74 16 18 19 21 21
Provision For Loan Losses		 1.80 1.20 11 1.80 2.97 9.40 2.00 1.95 1.95 1.95 2.35
Depreciation Expense		 1.67 1.65 5.04 1.66 1.65 3.31 3.33 3.26 3.21 2.64 3.12
Amortization Expense		 1.28 1.27 0.74 1.20 1.21 1.08 1.07 1.05 0.98 0.95 0.92
Non-Cash Adjustments to Reconcile Net Income		 -6.78 8.06 -20 -3.15 -8.42 0.77 -4.73 -3.61 -12 0.56 2.77
Net Cash From Investing Activities		 -24 41 -69 -1.00 -24 55 -96 10 -28 -64 -44
Net Cash From Continuing Investing Activities		 -24 41 -69 -1.00 -24 55 -96 10 -28 -64 -44
Purchase of Property, Leasehold Improvements and Equipment		 -0.32 -1.69 -0.83 -0.96 -0.34 -3.77 -1.04 -0.57 -1.13 -1.09 -1.20
Purchase of Investment Securities		 -62 70 15 -0.01 17 -3.34 -2.21 -17 -3.07 -24 -67
Sale and/or Maturity of Investments		 27 -27 -75 -0.31 -17 40 -94 27 -24 -40 24
Net Increase in Fed Funds Sold		 13 -0.33 -9.22 0.28 -24 23 0.54 0.39 -0.43 0.70 -0.32
Net Cash From Financing Activities		 9.06 -77 240 -19 21 -76 97 -38 26 27 57
Net Cash From Continuing Financing Activities		 9.06 -77 240 -19 21 -76 97 -38 26 27 57
Net Change in Deposits		 -102 -22 334 15 27 -37 1.62 -79 23 -48 -64
Issuance of Debt		 655 750 95 750 400 375 - 350 425 1,075 1,000
Repayment of Debt		 -555 -800 -252 -800 -350 -455 -2.38 -253 -427 -1,027 -982
Payment of Dividends		 -6.47 - -5.87 -5.30 -5.32 -5.31 -5.31 -6.03 -6.04 -6.04 -6.04
Other Financing Activities, Net		 20 3.88 58 22 -51 46 103 -49 12 33 110

Annual Balance Sheets for First Financial Corporation Indiana

This table presents First Financial Corporation Indiana's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,980 2,989 3,001 3,009 4,023 4,561 5,175 4,989 4,851 5,560 5,756
Cash and Due from Banks		 89 75 74 74 127 657 688 223 77 94 130
Federal Funds Sold		 9.82 6.95 0.00 0.00 7.50 0.30 0.31 9.37 0.28 0.82 0.48
Trading Account Securities		 891 854 815 785 927 1,021 - 1,330 1,259 1,196 1,150
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,020 3,128 3,790 4,007
Loans and Leases		 - - - - - - - 3,060 3,168 3,837 4,055
Allowance for Loan and Lease Losses		 - - - - - - - 40 40 47 48
Premises and Equipment, Net		 51 49 48 47 63 62 70 66 67 82 79
Goodwill		 39 34 34 34 79 79 86 87 87 100 98
Intangible Assets		 3.18 2.11 1.63 1.20 11 8.97 8.02 6.71 5.59 22 16
Other Assets		 1,897 1,967 2,027 2,067 2,810 2,732 180 247 227 277 275
Total Liabilities & Shareholders' Equity		 2,980 2,989 3,001 3,009 4,023 4,561 5,175 4,989 4,851 5,560 5,756
Total Liabilities		 2,569 2,574 2,587 2,566 3,466 3,964 989 4,514 4,323 5,011 5,105
Non-Interest Bearing Deposits		 563 564 425 432 547 733 915 858 750 859 916
Interest Bearing Deposits		 1,879 1,864 2,034 2,005 2,728 3,023 - 3,511 3,340 3,860 3,635
Federal Funds Purchased and Securities Sold		 34 81 58 70 80 116 - 71 67 187 292
Long-Term Debt		 - - 0.00 0.00 31 5.86 - 9.59 109 28 188
Other Long-Term Liabilities		 80 64 71 60 79 86 74 65 57 77 73
Total Equity & Noncontrolling Interests		 410 414 414 443 558 597 583 475 528 549 651
Total Preferred & Common Equity		 410 414 414 443 558 597 583 475 528 549 651
Total Common Equity		 410 414 414 443 558 597 583 475 528 549 651
Common Stock		 75 76 77 79 142 143 144 145 146 148 149
Retained Earnings		 396 422 420 457 492 521 559 615 664 687 742
Treasury Stock		 -51 -70 -69 -69 -69 -77 -118 -145 -155 -154 -154
Accumulated Other Comprehensive Income / (Loss)		 -9.40 -14 -15 -23 -7.50 9.76 -2.43 -140 -127 -132 -87

Quarterly Balance Sheets for First Financial Corporation Indiana

This table presents First Financial Corporation Indiana's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025
Total Assets		 5,009 4,867 4,877 4,785 4,853 4,891 5,485 5,549 5,603 5,670
Cash and Due from Banks		 328 83 82 75 69 75 77 86 97 87
Federal Funds Sold		 8.22 13 0.36 0.69 0.00 24 1.36 0.43 0.85 0.16
Trading Account Securities		 1,332 1,341 1,299 1,225 1,218 1,206 1,272 1,182 1,170 1,186
Loans and Leases, Net of Allowance		 2,931 0.00 3,087 3,071 3,152 3,158 3,662 3,802 3,844 3,915
Loans and Leases		 2,970 - 3,127 3,110 3,192 3,197 3,708 3,849 3,891 3,962
Allowance for Loan and Lease Losses		 39 - 40 39 40 38 46 47 47 47
Premises and Equipment, Net		 68 68 67 67 67 66 82 80 80 79
Goodwill		 87 87 87 87 87 87 97 100 98 98
Intangible Assets		 7.02 6.40 6.08 5.82 5.35 5.12 23 20 19 17
Other Assets		 248 229 249 253 254 270 269 278 294 286
Total Liabilities & Shareholders' Equity		 5,009 4,867 4,877 4,785 4,853 4,891 5,485 5,549 5,603 5,670
Total Liabilities		 4,571 883 4,380 4,315 4,332 4,360 4,919 4,977 5,015 5,047
Non-Interest Bearing Deposits		 894 830 817 771 738 748 832 856 860 850
Interest Bearing Deposits		 3,513 - 3,246 3,270 3,367 3,384 3,886 3,784 3,803 3,765
Federal Funds Purchased and Securities Sold		 - - 129 133 89 38 84 138 150 183
Long-Term Debt		 9.59 - 135 85 59 109 30 125 - 170
Other Long-Term Liabilities		 64 53 54 56 79 81 86 75 80 79
Total Equity & Noncontrolling Interests		 439 505 497 470 521 531 566 572 588 622
Total Preferred & Common Equity		 439 505 497 470 521 531 566 572 588 622
Total Common Equity		 439 505 497 470 521 531 566 572 588 622
Common Stock		 145 145 146 146 146 147 147 148 148 149
Retained Earnings		 607 631 640 657 668 674 677 700 712 727
Treasury Stock		 -146 -145 -148 -156 -155 -155 -155 -155 -155 -155
Accumulated Other Comprehensive Income / (Loss)		 -167 -126 -141 -176 -138 -135 -103 -121 -118 -99

Annual Metrics And Ratios for First Financial Corporation Indiana

This table displays calculated financial ratios and metrics derived from First Financial Corporation Indiana's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 12,703,869.00 12,185,737.00 12,223,750.00 12,255,045.00 13,713,355.00 13,714,524.00 12,871,936.00 - - 11,808,304.00 11,850,645.00
DEI Adjusted Shares Outstanding		 12,703,869.00 12,185,737.00 12,223,750.00 12,255,045.00 13,713,355.00 13,714,524.00 12,871,936.00 - - 11,808,304.00 11,850,645.00
DEI Earnings Per Adjusted Shares Outstanding		 2.38 3.15 2.38 3.80 3.56 3.93 4.12 - - 4.00 6.68
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.32% 5.72% -5.34% 7.64% 9.90% 11.00% -1.77% 14.16% -0.85% 3.71% 20.24%
EBITDA Growth		 -14.52% 36.60% -13.43% 13.02% 7.87% 11.52% 1.76% 25.21% -13.37% -14.77% 60.25%
EBIT Growth		 -15.37% 43.63% -14.65% 16.03% 5.67% 7.44% 0.12% 33.75% -17.40% -21.16% 72.72%
NOPAT Growth		 -10.59% 27.21% -24.16% 59.91% 4.91% 10.17% -1.59% 34.20% -14.68% -22.08% 67.55%
Net Income Growth		 -10.59% 27.21% -24.16% 59.91% 4.91% 10.17% -1.59% 34.20% -14.68% -22.08% 67.55%
EPS Growth		 -7.84% 32.77% -23.72% 59.66% 0.00% 3.42% 2.29% 44.78% -12.71% -21.26% 67.00%
Operating Cash Flow Growth		 -28.68% -0.15% 21.71% 14.59% -13.14% 55.16% -28.88% 43.07% -23.38% -29.88% 49.76%
Free Cash Flow Firm Growth		 -79.90% 227.76% -35.82% -42.00% -655.89% 140.79% -9,021.73% 206.86% -102.41% 217.22% -271.29%
Invested Capital Growth		 3.90% -2.00% -0.23% 7.04% 32.95% 2.42% 594.45% -88.42% 31.28% -9.33% 45.38%
Revenue Q/Q Growth		 -1.48% -0.37% 0.76% 4.08% 4.82% 1.97% -2.37% 2.56% -1.59% 5.31% 0.00%
EBITDA Q/Q Growth		 -7.29% 3.85% 1.32% 7.67% 3.28% 5.05% -12.81% 8.95% -2.24% 6.75% 0.00%
EBIT Q/Q Growth		 -7.01% 4.09% 1.94% 9.01% 1.79% 5.33% -15.34% 11.54% -6.33% 11.55% 0.00%
NOPAT Q/Q Growth		 -6.41% 3.31% -16.43% 22.13% 7.26% 2.62% -13.60% 14.72% -6.33% 8.79% 0.00%
Net Income Q/Q Growth		 -6.41% 3.31% -16.43% 22.13% 7.26% 8.86% -17.08% 13.91% -6.33% 8.79% 0.00%
EPS Q/Q Growth		 -6.00% 4.35% -16.78% 22.19% 4.40% 2.34% -12.23% 15.71% -6.10% 8.70% 0.00%
Operating Cash Flow Q/Q Growth		 -22.06% 17.62% 1.06% 2.91% -9.38% 21.83% -18.47% 22.24% -34.87% 56.03% 0.00%
Free Cash Flow Firm Q/Q Growth		 -86.01% 76.78% 26.39% -7.80% 6.90% -35.14% -5,575.88% 2,911.38% -291.31% 5,849.08% 6.91%
Invested Capital Q/Q Growth		 0.27% -4.16% -6.76% -4.34% -3.91% -0.19% 596.78% -9.80% 14.75% -3.23% 5.85%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.11% 44.08% 40.31% 42.33% 41.55% 41.74% 43.24% 47.42% 41.44% 32.91% 43.86%
EBIT Margin		 28.25% 38.38% 34.60% 37.30% 35.86% 34.71% 35.37% 41.44% 34.53% 26.25% 37.70%
Profit (Net Income) Margin		 21.02% 25.29% 20.26% 30.10% 28.73% 28.52% 28.57% 33.58% 28.90% 21.71% 30.25%
Tax Burden Percent		 74.40% 65.89% 58.55% 80.69% 80.12% 82.16% 80.76% 81.03% 83.69% 82.72% 80.24%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.60% 34.11% 41.45% 19.31% 19.88% 17.84% 19.24% 18.97% 16.31% 17.28% 19.76%
Return on Invested Capital (ROIC)		 7.28% 9.17% 7.04% 10.88% 9.48% 9.04% 2.21% 3.04% 10.82% 7.79% 11.19%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.28% 9.17% 7.04% 0.00% 9.48% 9.04% 2.21% 3.04% 10.82% 7.79% 11.19%
Return on Net Nonoperating Assets (RNNOA)		 0.23% 0.14% 0.00% 0.00% 0.29% 0.29% 6.77% 10.40% 1.27% 0.99% 2.02%
Return on Equity (ROE)		 7.51% 9.32% 7.04% 0.00% 9.77% 9.33% 8.98% 13.44% 12.09% 8.78% 13.20%
Cash Return on Invested Capital (CROIC)		 3.45% 11.19% 7.27% 4.08% -18.81% 6.64% -147.44% 161.53% -16.23% 17.58% -25.80%
Operating Return on Assets (OROA)		 1.36% 1.95% 1.66% 1.92% 1.73% 1.53% 1.35% 1.73% 1.47% 1.10% 1.74%
Return on Assets (ROA)		 1.01% 1.29% 0.97% 1.55% 1.39% 1.25% 1.09% 1.40% 1.23% 0.91% 1.40%
Return on Common Equity (ROCE)		 7.51% 9.32% 7.04% 0.00% 9.77% 9.33% 8.98% 13.44% 12.09% 8.78% 13.20%
Return on Equity Simple (ROE_SIMPLE)		 7.36% 9.27% 7.04% 10.52% 8.76% 9.02% 9.10% 14.96% 11.49% 8.61% 12.17%
Net Operating Profit after Tax (NOPAT)		 30 38 29 47 49 54 53 71 61 47 79
NOPAT Margin		 21.02% 25.29% 20.26% 30.10% 28.73% 28.52% 28.57% 33.58% 28.90% 21.71% 30.25%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.56% 42.30% 44.65% 41.68% 41.55% 42.74% 44.98% 41.42% 43.77% 46.74% 41.47%
Operating Expenses to Revenue		 68.48% 59.45% 61.72% 58.98% 61.38% 59.72% 63.30% 59.51% 62.00% 66.33% 59.17%
Earnings before Interest and Taxes (EBIT)		 41 58 50 58 61 66 66 88 72 57 99
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 49 67 58 66 71 79 80 100 87 72 115
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.80 1.22 1.11 0.94 0.97 0.79 0.91 1.07 0.92 0.95 1.09
Price to Tangible Book Value (P/TBV)		 0.89 1.33 1.21 1.02 1.16 0.93 1.09 1.33 1.11 1.21 1.32
Price to Revenue (P/Rev)		 2.29 3.32 3.18 2.69 3.19 2.51 2.87 2.40 2.30 2.38 2.71
Price to Earnings (P/E)		 10.89 13.13 15.71 8.92 11.12 8.80 10.03 7.14 7.96 10.98 8.96
Dividend Yield		 3.79% 2.39% 6.68% 7.43% 2.60% 3.01% 2.57% 2.53% 2.41% 4.09% 3.41%
Earnings Yield		 9.18% 7.62% 6.36% 11.21% 9.00% 11.36% 9.97% 14.01% 12.56% 9.11% 11.17%
Enterprise Value to Invested Capital (EV/IC)		 0.57 1.02 0.93 0.77 0.75 0.00 0.00 0.59 0.81 0.78 0.91
Enterprise Value to Revenue (EV/Rev)		 1.69 2.78 2.67 2.21 2.58 0.00 0.00 1.35 2.45 2.08 2.93
Enterprise Value to EBITDA (EV/EBITDA)		 4.96 6.31 6.62 5.21 6.22 0.00 0.00 2.84 5.92 6.32 6.68
Enterprise Value to EBIT (EV/EBIT)		 5.99 7.25 7.71 5.91 7.20 0.00 0.00 3.25 7.10 7.92 7.77
Enterprise Value to NOPAT (EV/NOPAT)		 8.05 11.00 13.17 7.33 8.99 0.00 0.00 4.01 8.48 9.58 9.68
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.89 10.26 7.65 5.94 8.80 0.00 0.00 3.62 8.53 7.50 8.48
Enterprise Value to Free Cash Flow (EV/FCFF)		 16.99 9.01 12.75 19.56 0.00 0.00 0.00 0.08 0.00 4.25 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.03 0.00 0.00 0.00 0.06 0.01 0.00 0.02 0.21 0.05 0.29
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.06 0.01 0.00 0.02 0.21 0.05 0.29
Financial Leverage		 0.03 0.02 0.00 0.00 0.03 0.03 3.06 3.42 0.12 0.13 0.18
Leverage Ratio		 7.44 7.24 7.23 7.02 7.03 7.43 8.25 9.61 9.81 9.67 9.43
Compound Leverage Factor		 7.44 7.24 7.23 7.02 7.03 7.43 8.25 9.61 9.81 9.67 9.43
Debt to Total Capital		 3.00% 0.03% 0.00% 0.00% 5.26% 0.97% 0.00% 1.98% 17.06% 4.87% 22.43%
Short-Term Debt to Total Capital		 3.00% 0.03% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 5.26% 0.97% 0.00% 1.98% 17.06% 4.87% 22.43%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 97.00% 99.97% 100.00% 100.00% 94.74% 99.03% 100.00% 98.02% 82.94% 95.13% 77.57%
Debt to EBITDA		 0.26 0.00 0.00 0.00 0.44 0.07 0.00 0.10 1.25 0.39 1.64
Net Debt to EBITDA		 -1.75 -1.22 0.00 0.00 -1.47 -8.27 0.00 -2.21 0.36 -0.92 0.50
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.44 0.07 0.00 0.10 1.25 0.39 1.64
Debt to NOPAT		 0.42 0.00 0.00 0.00 0.63 0.11 0.00 0.13 1.79 0.59 2.38
Net Debt to NOPAT		 -2.84 -2.13 0.00 0.00 -2.13 -12.11 0.00 -3.13 0.52 -1.40 0.72
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.63 0.11 0.00 0.13 1.79 0.59 2.38
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 14 47 30 17 -97 40 -3,531 3,773 -91 107 -183
Operating Cash Flow to CapEx		 1,215.89% 0.00% 1,682.95% 2,853.85% 4,524.12% 1,981.19% 1,435.91% 5,525.04% 988.31% 988.31% 2,269.77%
Free Cash Flow to Firm to Interest Expense		 3.43 10.64 4.75 1.81 -5.55 2.80 -401.35 206.62 -1.49 1.19 -2.13
Operating Cash Flow to Interest Expense		 9.90 9.35 7.91 5.96 2.86 5.48 6.26 4.32 0.99 0.67 1.05
Operating Cash Flow Less CapEx to Interest Expense		 9.08 12.49 7.44 5.75 2.79 5.20 5.82 4.24 0.89 0.60 1.01
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04 0.05
Fixed Asset Turnover		 2.81 3.05 2.95 3.26 3.12 3.03 2.82 3.12 3.15 2.93 3.27
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 423 415 414 443 589 603 4,187 485 637 577 839
Invested Capital Turnover		 0.35 0.36 0.35 0.36 0.33 0.32 0.08 0.09 0.37 0.36 0.37
Increase / (Decrease) in Invested Capital		 16 -8.47 -0.96 29 146 14 3,584 -3,702 152 -59 262
Enterprise Value (EV)		 243 423 384 341 439 -178 -157 285 515 453 767
Market Capitalization		 329 504 458 416 543 474 532 508 483 519 709
Book Value per Share		 $32.30 $34.01 $33.83 $36.12 $40.66 $43.53 $45.26 $39.54 $44.92 $46.50 $54.92
Tangible Book Value per Share		 $28.94 $31.01 $30.89 $33.22 $34.15 $37.15 $37.94 $31.74 $37.04 $36.20 $45.26
Total Capital		 423 415 414 443 589 603 583 485 637 577 839
Total Debt		 13 0.13 0.00 0.00 31 5.86 0.00 9.59 109 28 188
Total Long-Term Debt		 0.00 0.00 0.00 0.00 31 5.86 0.00 9.59 109 28 188
Net Debt		 -86 -82 -74 -74 -104 -652 -688 -222 32 -66 57
Capital Expenditures (CapEx)		 3.39 -14 2.98 2.01 1.10 3.91 3.84 1.43 6.11 6.11 3.98
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 13 0.13 0.00 0.00 31 5.86 3,604 9.59 109 28 188
Total Depreciation and Amortization (D&A)		 8.43 8.66 8.21 7.79 9.67 13 15 13 15 15 16
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.35 $3.12 $2.38 $3.80 $3.80 $3.93 $4.02 $5.82 $5.08 $0.00 $6.68
Adjusted Weighted Average Basic Shares Outstanding		 12.66M 12.22M 12.26M 12.29M 13.75M 27.05M 12.47M 12.21M 11.94M 0.00 11.85M
Adjusted Diluted Earnings per Share		 $2.35 $3.12 $2.38 $3.80 $3.80 $3.93 $4.02 $5.82 $5.08 $0.00 $6.68
Adjusted Weighted Average Diluted Shares Outstanding		 12.66M 12.22M 12.26M 12.29M 13.75M 27.05M 12.47M 12.21M 11.94M 0.00 11.85M
Adjusted Basic & Diluted Earnings per Share		 $2.35 $3.12 $2.38 $3.80 $3.80 $3.93 $4.02 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 12.84M 12.32M 12.23M 12.26M 12.87M 13.72M 13.19M 12.07M 11.85M 0.00 11.89M
Normalized Net Operating Profit after Tax (NOPAT)		 30 38 29 47 49 54 53 71 61 47 79
Normalized NOPAT Margin		 21.02% 25.29% 20.26% 30.10% 28.73% 28.52% 28.57% 33.58% 28.90% 21.71% 30.25%
Pre Tax Income Margin		 28.25% 38.38% 34.60% 37.30% 35.86% 34.71% 35.37% 41.44% 34.53% 26.25% 37.70%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 9.74 13.23 7.85 5.99 3.49 4.64 7.46 4.81 1.19 0.64 1.15
NOPAT to Interest Expense		 7.24 8.72 4.60 4.83 2.80 3.81 6.02 3.89 0.99 0.53 0.92
EBIT Less CapEx to Interest Expense		 8.92 16.37 7.38 5.78 3.43 4.36 7.02 4.73 1.09 0.57 1.11
NOPAT Less CapEx to Interest Expense		 6.43 11.86 4.13 4.62 2.73 3.53 5.59 3.82 0.89 0.46 0.88
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 41.83% 32.17% 104.89% 26.83% 25.88% 26.51% 26.76% 20.33% 35.02% 44.95% 30.51%
Augmented Payout Ratio		 70.64% 82.67% 106.62% 27.66% 26.52% 43.63% 106.92% 59.29% 35.64% 45.74% 31.51%

Quarterly Metrics And Ratios for First Financial Corporation Indiana

This table displays calculated financial ratios and metrics derived from First Financial Corporation Indiana's official financial filings.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
DEI Shares Outstanding		 - - - - - - 11,808,304.00 11,853,489.00 11,850,645.00 11,850,645.00 11,850,645.00
DEI Adjusted Shares Outstanding		 - - - - - - 11,808,304.00 11,853,489.00 11,850,645.00 11,850,645.00 11,850,645.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 1.38 1.55 1.57 1.75 1.81
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 3.75% -4.47% -6.25% -9.98% -6.54% 10.64% 21.59% 29.23% 28.16% 12.60% 14.13%
EBITDA Growth		 -0.68% -13.73% -9.09% -28.77% -26.72% -33.36% 43.91% 75.66% 64.33% 98.02% 24.48%
EBIT Growth		 0.93% -14.89% -25.80% -32.98% -30.33% -46.00% 41.96% 81.10% 68.06% 146.95% 31.69%
NOPAT Growth		 2.40% -9.78% -24.82% -31.64% -28.89% -46.32% 30.76% 68.49% 63.48% 137.52% 32.10%
Net Income Growth		 2.40% -9.78% -24.82% -31.64% -28.89% -46.32% 30.76% 68.49% 63.48% 137.52% 32.10%
EPS Growth		 4.72% -8.67% -23.91% -30.08% -27.82% -45.99% 30.48% 66.67% 63.54% 136.49% 32.12%
Operating Cash Flow Growth		 15.54% 44.66% -122.00% -47.70% -37.08% -18.14% -20.33% 69.32% 44.92% 15.23% 87.85%
Free Cash Flow Firm Growth		 -204.40% -101.13% -103.75% 199.68% 102.60% -3,474.38% 154.31% -102.90% -1,561.16% -433.12% -417.93%
Invested Capital Growth		 32.26% 3.20% 31.28% -85.46% 1.23% 7.51% -9.33% 20.28% 11.12% 32.91% 45.38%
Revenue Q/Q Growth		 -1.99% 0.26% -3.68% -4.89% 1.75% 18.69% 5.86% 0.00% 0.91% 4.28% 7.30%
EBITDA Q/Q Growth		 -0.03% -0.92% -10.56% -5.76% 2.84% -9.89% 64.78% 0.00% -3.79% 8.59% 3.59%
EBIT Q/Q Growth		 -0.49% -0.93% -27.00% -6.87% 3.45% -23.21% 91.91% 0.00% -4.00% 12.83% 2.34%
NOPAT Q/Q Growth		 0.04% 1.86% -23.73% -12.05% 4.07% -23.12% 85.80% 0.00% 0.98% 11.71% 3.33%
Net Income Q/Q Growth		 0.04% 1.86% -23.73% -12.05% 4.07% -23.12% 85.80% 0.00% 0.98% 11.71% 3.33%
EPS Q/Q Growth		 0.00% 3.01% -23.36% -11.43% 3.23% -22.92% 85.14% 0.00% 1.29% 11.47% 3.43%
Operating Cash Flow Q/Q Growth		 -41.33% 104.08% -120.47% -37.50% -29.42% 165.49% -31.98% 0.00% -39.59% 111.10% 10.89%
Free Cash Flow Firm Q/Q Growth		 95.97% 99.33% -15,019.54% 2,552.70% -99.89% -1,015.97% 329.75% 0.00% 47.01% -234.20% -37.01%
Invested Capital Q/Q Growth		 -84.15% -12.15% 14.75% -8.99% 10.34% -6.70% -3.23% 0.00% 1.94% 11.59% 5.85%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.63% 42.12% 39.11% 33.07% 33.42% 25.37% 39.50% 44.94% 42.85% 44.62% 43.08%
EBIT Margin		 37.03% 36.59% 27.73% 27.15% 27.61% 17.86% 32.38% 38.05% 36.20% 39.17% 37.36%
Profit (Net Income) Margin		 30.37% 30.86% 24.43% 22.59% 23.11% 14.97% 26.27% 29.46% 29.48% 31.58% 30.41%
Tax Burden Percent		 82.01% 84.33% 88.10% 83.21% 83.71% 83.81% 81.15% 77.41% 81.42% 80.62% 81.40%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.99% 15.67% 11.90% 16.79% 16.29% 16.19% 18.85% 22.59% 18.58% 19.38% 18.60%
Return on Invested Capital (ROIC)		 11.82% 12.05% 9.15% 2.03% 7.32% 5.38% 9.43% 0.00% 0.00% 0.00% 11.24%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.82% 12.05% 9.15% 2.03% 7.32% 5.38% 9.43% 0.00% 0.00% 0.00% 11.24%
Return on Net Nonoperating Assets (RNNOA)		 1.86% 2.43% 1.08% 6.98% 1.73% 0.60% 1.20% 0.00% 0.00% 0.00% 2.03%
Return on Equity (ROE)		 13.68% 14.49% 10.23% 9.01% 9.05% 5.97% 10.62% 0.00% 0.00% 0.00% 13.27%
Cash Return on Invested Capital (CROIC)		 -15.78% 8.71% -16.23% 151.65% 6.80% 0.31% 17.58% -18.41% -10.54% -28.26% -25.80%
Operating Return on Assets (OROA)		 1.62% 1.59% 1.18% 1.14% 1.14% 0.72% 1.35% 0.00% 0.00% 0.00% 1.73%
Return on Assets (ROA)		 1.33% 1.34% 1.04% 0.95% 0.95% 0.60% 1.10% 0.00% 0.00% 0.00% 1.41%
Return on Common Equity (ROCE)		 13.68% 14.49% 10.23% 9.01% 9.05% 5.97% 10.62% 0.00% 0.00% 0.00% 13.27%
Return on Equity Simple (ROE_SIMPLE)		 13.39% 13.78% 0.00% 10.68% 9.61% 7.68% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 16 16 12 11 11 8.74 16 18 19 21 21
NOPAT Margin		 30.37% 30.86% 24.43% 22.59% 23.11% 14.97% 26.27% 29.46% 29.48% 31.58% 30.41%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 42.94% 43.82% 45.46% 49.29% 48.56% 43.42% 46.43% 42.30% 42.42% 41.58% 39.79%
Operating Expenses to Revenue		 59.55% 61.13% 67.36% 69.12% 66.37% 66.04% 64.39% 58.83% 60.71% 57.87% 59.31%
Earnings before Interest and Taxes (EBIT)		 19 19 14 13 14 10 20 24 23 26 26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 22 22 20 16 16 15 24 28 27 29 30
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.76 0.82 0.92 0.86 0.81 0.91 0.95 1.00 1.08 1.07 1.09
Price to Tangible Book Value (P/TBV)		 0.94 1.03 1.11 1.04 0.98 1.15 1.21 1.27 1.35 1.31 1.32
Price to Revenue (P/Rev)		 1.75 1.81 2.30 2.19 2.14 2.48 2.38 0.00 0.00 0.00 2.71
Price to Earnings (P/E)		 5.69 5.98 7.96 8.04 8.44 11.80 10.98 0.00 0.00 0.00 8.96
Dividend Yield		 3.44% 3.34% 2.41% 3.80% 3.95% 3.11% 4.09% 3.84% 3.58% 3.54% 3.41%
Earnings Yield		 17.58% 16.73% 12.56% 12.43% 11.85% 8.48% 9.11% 0.00% 0.00% 0.00% 11.17%
Enterprise Value to Invested Capital (EV/IC)		 0.68 0.71 0.81 0.75 0.69 0.78 0.78 0.88 0.93 0.94 0.91
Enterprise Value to Revenue (EV/Rev)		 2.00 1.86 2.45 2.13 2.19 2.25 2.08 0.00 0.00 0.00 2.93
Enterprise Value to EBITDA (EV/EBITDA)		 4.65 4.45 5.92 5.63 6.14 7.23 6.32 0.00 0.00 0.00 6.68
Enterprise Value to EBIT (EV/EBIT)		 5.33 5.12 7.10 6.61 7.32 9.07 7.92 0.00 0.00 0.00 7.77
Enterprise Value to NOPAT (EV/NOPAT)		 6.47 6.12 8.48 7.85 8.63 10.69 9.58 0.00 0.00 0.00 9.68
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.13 4.28 8.53 5.84 6.32 7.21 7.50 0.00 0.00 0.00 8.48
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 8.33 0.00 0.13 10.18 259.07 4.25 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.27 0.18 0.21 0.11 0.20 0.05 0.05 0.22 0.21 0.27 0.29
Long-Term Debt to Equity		 0.27 0.18 0.21 0.11 0.20 0.05 0.05 0.22 0.00 0.27 0.29
Financial Leverage		 0.16 0.20 0.12 3.45 0.24 0.11 0.13 0.17 0.21 0.17 0.18
Leverage Ratio		 10.31 10.78 9.81 9.47 9.51 9.91 9.67 9.52 9.38 9.39 9.43
Compound Leverage Factor		 10.31 10.78 9.81 9.47 9.51 9.91 9.67 9.52 9.38 9.39 9.43
Debt to Total Capital		 21.31% 15.25% 17.06% 10.11% 16.98% 5.11% 4.87% 17.92% 17.27% 21.50% 22.43%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 17.27% 0.00% 0.00%
Long-Term Debt to Total Capital		 21.31% 15.25% 17.06% 10.11% 16.98% 5.11% 4.87% 17.92% 0.00% 21.50% 22.43%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 78.69% 84.75% 82.94% 89.89% 83.02% 94.89% 95.13% 82.08% 82.73% 78.50% 77.57%
Debt to EBITDA		 1.45 0.95 1.25 0.75 1.52 0.47 0.39 0.00 0.00 0.00 1.64
Net Debt to EBITDA		 0.56 0.10 0.36 -0.14 0.13 -0.75 -0.92 0.00 0.00 0.00 0.50
Long-Term Debt to EBITDA		 1.45 0.95 1.25 0.75 1.52 0.47 0.39 0.00 0.00 0.00 1.64
Debt to NOPAT		 2.02 1.31 1.79 1.05 2.13 0.70 0.59 0.00 0.00 0.00 2.38
Net Debt to NOPAT		 0.78 0.14 0.52 -0.19 0.19 -1.11 -1.40 0.00 0.00 0.00 0.72
Long-Term Debt to NOPAT		 2.02 1.31 1.79 1.05 2.13 0.70 0.59 0.00 0.00 0.00 2.38
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -138 -0.92 -139 3,415 3.59 -33 76 -99 -53 -176 -240
Operating Cash Flow to CapEx		 4,345.48% 1,687.43% -705.45% 1,290.04% 2,596.75% 618.42% 1,527.07% 3,720.32% 1,122.68% 2,468.01% 2,489.63%
Free Cash Flow to Firm to Interest Expense		 -9.83 -0.05 -7.27 166.74 0.17 -1.34 3.25 -4.71 -2.44 -7.96 -11.39
Operating Cash Flow to Interest Expense		 0.99 1.62 -0.30 0.61 0.41 0.95 0.68 1.00 0.59 1.22 1.41
Operating Cash Flow Less CapEx to Interest Expense		 0.97 1.52 -0.35 0.56 0.39 0.80 0.64 0.97 0.54 1.17 1.35
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.00 0.00 0.00 0.05
Fixed Asset Turnover		 3.17 3.15 3.15 3.03 3.03 2.76 2.93 0.00 0.00 0.00 3.27
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 631 555 637 579 639 596 577 697 710 793 839
Invested Capital Turnover		 0.39 0.39 0.37 0.09 0.32 0.36 0.36 0.00 0.00 0.00 0.37
Increase / (Decrease) in Invested Capital		 154 17 152 -3,404 7.78 42 -59 118 71 196 262
Enterprise Value (EV)		 431 396 515 437 440 465 453 613 661 746 767
Market Capitalization		 379 387 483 447 430 513 519 575 636 663 709
Book Value per Share		 $41.18 $39.26 $44.92 $44.08 $44.92 $47.90 $46.50 $48.25 $49.59 $52.51 $54.92
Tangible Book Value per Share		 $33.47 $31.51 $37.04 $36.26 $37.12 $37.71 $36.20 $38.12 $39.74 $42.75 $45.26
Total Capital		 631 555 637 579 639 596 577 697 710 793 839
Total Debt		 135 85 109 59 109 30 28 125 123 170 188
Total Long-Term Debt		 135 85 109 59 109 30 28 125 0.00 170 188
Net Debt		 52 9.22 32 -11 9.50 -48 -66 38 25 83 57
Capital Expenditures (CapEx)		 0.32 1.69 0.83 0.96 0.34 3.77 1.04 0.57 1.13 1.09 1.20
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 135 85 109 59 109 30 28 125 123 170 188
Total Depreciation and Amortization (D&A)		 2.94 2.92 5.79 2.86 2.86 4.39 4.40 4.31 4.19 3.59 4.03
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.33 $1.37 $1.05 $0.93 $0.96 $0.74 $1.37 $1.55 $1.57 $1.75 $1.81
Adjusted Weighted Average Basic Shares Outstanding		 12.02M 11.90M 11.94M 11.80M 11.81M 11.81M 11.81M 11.84M 11.85M 11.85M 11.85M
Adjusted Diluted Earnings per Share		 $1.33 $1.37 $1.05 $0.93 $0.96 $0.74 $1.37 $1.55 $1.57 $1.75 $1.81
Adjusted Weighted Average Diluted Shares Outstanding		 12.02M 11.90M 11.94M 11.80M 11.81M 11.81M 11.81M 11.84M 11.85M 11.85M 11.85M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.98M 11.75M 11.85M 11.81M 11.81M 11.81M 0.00 11.85M 11.85M 11.85M 11.89M
Normalized Net Operating Profit after Tax (NOPAT)		 16 16 12 11 11 8.74 16 18 19 21 21
Normalized NOPAT Margin		 30.37% 30.86% 24.43% 22.59% 23.11% 14.97% 26.27% 29.46% 29.48% 31.58% 30.41%
Pre Tax Income Margin		 37.03% 36.59% 27.73% 27.15% 27.61% 17.86% 32.38% 38.05% 36.20% 39.17% 37.36%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.39 1.10 0.74 0.64 0.63 0.43 0.86 1.13 1.06 1.17 1.25
NOPAT to Interest Expense		 1.14 0.93 0.65 0.53 0.53 0.36 0.70 0.87 0.86 0.94 1.02
EBIT Less CapEx to Interest Expense		 1.37 1.00 0.69 0.59 0.62 0.27 0.82 1.10 1.01 1.12 1.19
NOPAT Less CapEx to Interest Expense		 1.12 0.83 0.61 0.49 0.51 0.20 0.65 0.85 0.81 0.89 0.96
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 23.12% 23.75% 35.02% 21.17% 20.82% 36.67% 44.95% 0.00% 0.00% 0.00% 30.51%
Augmented Payout Ratio		 28.36% 41.53% 35.64% 41.86% 38.11% 37.53% 45.74% 0.00% 0.00% 0.00% 31.51%

Financials Breakdown Chart

Key Financial Trends

First Financial Corp /IN/ THFF has shown a pattern of improving profitability and stable cash flow through 2025, supported by solid net interest income, dose-dependant loan performance, and a growing balance sheet. While the bank continues to invest in securities and occasionally relies on debt financing for liquidity, key metrics in Q4 2025 point to stronger earnings, higher dividends per share, and improved per‑share returns compared with the prior year.

  • Net income from continuing operations in Q4 2025 rose to 21.46 million, up from 16.24 million in Q4 2024.
  • Earnings per share improved, with basic and diluted EPS at 1.81 in Q4 2025 versus 1.37 in Q4 2024.
  • Total revenue increased to 70.55 million in Q4 2025, up from 61.82 million in Q4 2024.
  • Net cash from continuing operating activities was 29.78 million in Q4 2025, reflecting healthy cash generation (improving from prior quarters).
  • Net interest income remained robust at about 60.62 million in Q4 2025, contributing to overall profitability.
  • Cash dividends per share increased to 0.51 in Q4 2025 from 0.45 in Q4 2024, signaling a higher return to shareholders.
  • Total assets grew to roughly 5.67 billion by late Q3 2025, with total equity expanding to about 622.2 million and total common equity up year over year.
  • Issuer activity and liquidity support: Issuance of 1.0 billion of debt in 2025, with net financing cash flow around 57.4 million in Q4 2025, suggesting improved liquidity to fund growth.
  • Investing activity involves sizable outflows from purchase of investment securities (for example, about 67.0 million negative cash flow in Q4 2025), indicating ongoing asset deployment.
  • Investing cash flows have been consistently negative across several quarters due to securities purchases, which can compress near-term cash balances if not offset by operating or financing cash flows.
05/07/26 01:42 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About First Financial Corporation Indiana's Financials

When does First Financial Corporation Indiana's fiscal year end?

According to the most recent income statement we have on file, First Financial Corporation Indiana's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

How has First Financial Corporation Indiana's net income changed over the last 10 years?

First Financial Corporation Indiana's net income appears to be on an upward trend, with a most recent value of $79.21 million in 2025, rising from $30.20 million in 2015. The previous period was $47.28 million in 2024. Find out what analysts predict for First Financial Corporation Indiana in the coming months.

How has First Financial Corporation Indiana's revenue changed over the last 10 years?

Over the last 10 years, First Financial Corporation Indiana's total revenue changed from $143.69 million in 2015 to $261.84 million in 2025, a change of 82.2%.

How much debt does First Financial Corporation Indiana have?

First Financial Corporation Indiana's total liabilities were at $5.11 billion at the end of 2025, a 1.9% increase from 2024, and a 98.7% increase since 2015.

How much cash does First Financial Corporation Indiana have?

In the past 10 years, First Financial Corporation Indiana's cash and equivalents has ranged from $74.11 million in 2017 to $688.03 million in 2021, and is currently $130.37 million as of their latest financial filing in 2025.

How has First Financial Corporation Indiana's book value per share changed over the last 10 years?

Over the last 10 years, First Financial Corporation Indiana's book value per share changed from 32.30 in 2015 to 54.92 in 2025, a change of 70.0%.


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Financial statements for NASDAQ:THFF last updated on 4/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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