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First Financial Corporation

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
$804.18M
PER (TTM)
10.2
14.8
配当利回り
3.1%
52週高値
$69.21
52週安値
$42.05
52週レンジ
95%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Nine Month Net Income Soars Nine-month net income reached $57.8M, up significantly from $31.0M in 2024; Basic EPS increased to $4.87 for the period.
Net Interest Margin Expansion Net interest income grew $33.9M to $159.2M for nine months; NIM improved significantly to 4.17% compared to 3.63% last year.
Credit Loss Provision Decreases Nine-month provision for credit losses fell $8.3M to $5.9M year-over-year; net charge-offs also declined substantially to $5.2M.
Capital Ratios Remain Strong Corporation's CET1 ratio stood at 13.12% as of September 30, 2025, well exceeding regulatory minimums and conservation buffer requirements.

リスク要因

Non-Performing Loan Increase Non-accrual loans rose to $17.5M; ACL coverage ratio dropped to 246.1% from 351.4% compared to year-end 2024.
Interest Rate Shock Exposure Rate shock analysis indicates potential NII decrease of 9.49% over 36 months under a worst-case 300 basis point rate increase scenario.
Deposit Base Moderation Total deposits decreased 2.2% to $4.6B since year-end 2024; other borrowings increased $142.3M to $170.5M to fund growth.

見通し

Adequate Allowance Outlook Management believes current allowance for credit losses is adequate based on portfolio analysis and stable CECL model assumptions for future performance.
Liquidity Position Maintained Liquidity remains strong, relying on $203.1M unused FHLB capacity and $898M Fed line to meet expected short-term and long-term obligations.
Proactive Balance Sheet Stance Corporation proactively positioned balance sheet to mitigate risks stemming from banking sector events, recessionary concerns, and ongoing interest rate activity.

同業比較

売上高 (TTM)

Bank of Hawaii CorporationBOH
$1.08B
+5.2%
Business First Bancshares, Inc.BFST
$511.93M
+11.8%
Camden National CorporationCAC
$367.34M
+26.8%

粗利益率 (最新四半期)

First Financial CorporationTHFF
96.6%
+26.3pp
First Community Bankshares, Inc.FCBC
90.9%
+4.8pp
California BanCorp.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$3.14B15.211.6%0.4%
HBNC$927.04M-6.1-20.6%6.3%
BFST$867.44M9.810.2%6.7%

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
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月20日
|
EPS:-
|
売上高:-
財務レポート
財務データ
ニュース
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月5日|
    売上高: $87.79M+5.9%
    |
    EPS: $1.75+136.5%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月7日|
    売上高: $84.56M+19.6%
    |
    EPS: $1.57+63.5%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月7日|
    売上高: $83.54M+21.4%
    |
    EPS: $1.55+66.7%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月5日|
    売上高: $307.51M+13.4%
    |
    EPS: $4.00-21.3%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月6日|
    売上高: $82.92M+17.9%
    |
    EPS: $0.74-46.0%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月7日|
    売上高: $70.68M+6.0%
    |
    EPS: $0.96-27.8%
    予想通り

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月8日|
    売上高: $68.83M+7.4%
    |
    EPS: $0.93-30.1%
    予想を下回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月11日|
    売上高: $271.10M+17.9%
    |
    EPS: $5.08-12.7%
    予想を上回る