First Financial Corporation

NASDAQ•THFF

CEO: Mr. Norman D. Lowery

セクター: Financial Services

業種: Banks - Regional

上場日: 1992-03-03

First Financial Corporation, through its subsidiaries, provides various financial services. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. It 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, the company offers lease financing, trust account, depositor, and insurance services. The company was founded in 1834 and is headquartered in Terre Haute, Indiana.

連絡先情報

One First Financial Plaza, Terre Haute, IN, 47807, United States

812-238-6000

www.first-online.bank

時価総額

$745.17M

PER (TTM)

9.4

13.9

配当利回り

3.3%

52週高値

$69.21

52週安値

$42.05

52週レンジ

77%

順位35Top 29.9%

4.6

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 4.6 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$70.55M-41.60%

直近4四半期の推移

EPS

$1.81+0.00%

直近4四半期の推移

フリーCF

$27.51M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Net Income Growth Net income rose to 79.2M in 2025 from 47.3M in 2024, primarily driven by organic growth and improved net interest income.

Net Interest Margin Net interest margin expanded to 4.29% in 2025 from 3.71% in 2024, supported by a 37 basis point increase in earning asset yields.

Strong Capital Position Corporation maintained robust capital with a 13.21% CET1 ratio and 14.22% total risk-based capital ratio as of December 31, 2025.

リスク要因

Credit Quality Deterioration Non-accrual loans increased to 27.5M in 2025 from 11.5M in 2024, reflecting potential credit risk within the commercial and real estate portfolios.

Interest Rate Sensitivity Earnings remain highly sensitive to interest rate fluctuations; 2025 Fed rate cuts impacted net interest income and future rate changes remain uncertain.

Geographic Concentration Risk Operations are concentrated in specific regional markets, making the Corporation highly susceptible to local economic downturns and regional real estate market volatility.

見通し

Strategic Growth Focus Corporation continues to pursue growth through organic expansion and strategic acquisitions, such as the completed CedarStone merger effective March 1, 2026.

Capital Management Strategy Management expects to maintain a strong capital position to support operations and continue the policy of paying regular cash dividends to shareholders.

Regulatory Compliance Adaptation The Corporation is actively assessing and preparing for new accounting standards and regulatory requirements, including upcoming CECL-related updates effective in 2026.

同業比較

売上高 (TTM)

BOH

$1.08B

+5.2%

BFST

$511.93M

+11.8%

CAC

$367.34M

+26.8%

粗利益率 (最新四半期)

THFF

96.6%

+26.3pp

FCBC

90.9%

+4.8pp

BCAL

83.9%

+0.0pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
BOH	$3.05B	14.7	11.6%	0.4%
HBNC	$855.84M	-5.7	-20.6%	6.3%
MCBS	$817.86M	11.1	14.8%	11.3%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

-5.5%

成長鈍化

4四半期純利益CAGR

5.2%

収益性の着実な向上

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月20日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし