First Financial Corporation

THFF

Banks - Regional · Financial Services

Price

$76.45

-1.71 (-2.19%)

Market Cap

$909.1M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−10.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 13.2M (2021) → 11.9M (2025)

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, t

Winston Score History

Score breakdown

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Quality

Gross Margin

73.0%

Premium pricing power — 73.0% gross margin

Operating Margin

17.3%

Healthy — 17.3% operating margin

ROCE

1.1%

Weak — 1.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-0.4%

Shrinking sales (-0.4% YoY)

EPS YoY

+46.9%

Earnings growing fast (46.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

114%

Turns 114% of profit into real cash

FCF Margin

27.2%

Converts sales into free cash efficiently (27.2%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.85

Moderate — manageable debt (0.85)

Interest Cover

1.18x

Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

11.2x

Attractive valuation — P/E 11.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+0.7

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

2.84%

Moderate income — 2.84% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+10.6%

Dividend growing fast (10.6% YoY)

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