Financhill
Buy
69

THFF Quote, Financials, Valuation and Earnings

Last price:
$51.60
Seasonality move :
4.76%
Day range:
$51.34 - $51.94
52-week range:
$34.61 - $53.60
Dividend yield:
3.72%
P/E ratio:
11.16x
P/S ratio:
2.63x
P/B ratio:
1.07x
Volume:
34.9K
Avg. volume:
55.3K
1-year change:
38.94%
Market cap:
$611M
Revenue:
$217.8M
EPS (TTM):
$4.62

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
THFF
First Financial
$62.1M $1.30 28.63% 46.18% $56.67
CCNE
CNB Financial
$52.3M $0.58 -6.96% 6.55% $26.17
CIVB
Civista Bancshares
$40.4M $0.52 13.86% 58.15% $25.67
ONB
Old National Bancorp
$478.1M $0.43 30.8% 38.23% $25.09
SRCE
1st Source
$101M $1.37 7.61% -1.57% $69.00
UVSP
Univest Financial
$77.7M $0.64 8.46% 2.69% $31.67
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
THFF
First Financial
$51.56 $56.67 $611M 11.16x $0.51 3.72% 2.63x
CCNE
CNB Financial
$22.04 $26.17 $462.4M 9.46x $0.18 3.24% 2.05x
CIVB
Civista Bancshares
$22.93 $25.67 $355.9M 10.10x $0.17 2.88% 2.28x
ONB
Old National Bancorp
$21.06 $25.09 $7.8B 12.24x $0.14 2.66% 3.47x
SRCE
1st Source
$60.71 $69.00 $1.5B 10.67x $0.38 2.41% 3.75x
UVSP
Univest Financial
$29.70 $31.67 $857.7M 11.12x $0.22 2.86% 2.89x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
THFF
First Financial
17.92% 0.995 21.52% 9.41x
CCNE
CNB Financial
14.43% 1.506 20.07% --
CIVB
Civista Bancshares
54.27% 1.025 155.53% 1.16x
ONB
Old National Bancorp
43.99% 1.802 73.38% 30.97x
SRCE
1st Source
8.01% 1.391 6.62% 22.56x
UVSP
Univest Financial
26.42% 1.535 39.49% 101.70x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
THFF
First Financial
-- -- 8.86% 10% 71.75% $20.5M
CCNE
CNB Financial
-- -- 7.57% 8.89% 86.58% $9.9M
CIVB
Civista Bancshares
-- -- 4.09% 9.22% 82.14% $3.5M
ONB
Old National Bancorp
-- -- 4.97% 9.12% 88.14% $102.4M
SRCE
1st Source
-- -- 10.18% 12.18% 86.57% $69.3M
UVSP
Univest Financial
-- -- 6.26% 8.94% 93.68% $13.7M

First Financial vs. Competitors

  • Which has Higher Returns THFF or CCNE?

    CNB Financial has a net margin of 29.46% compared to First Financial's net margin of 20.58%. First Financial's return on equity of 10% beat CNB Financial's return on equity of 8.89%.

    Company Gross Margin Earnings Per Share Invested Capital
    THFF
    First Financial
    -- $1.55 $696.8M
    CCNE
    CNB Financial
    -- $0.50 $729.8M
  • What do Analysts Say About THFF or CCNE?

    First Financial has a consensus price target of $56.67, signalling upside risk potential of 9.9%. On the other hand CNB Financial has an analysts' consensus of $26.17 which suggests that it could grow by 18.72%. Given that CNB Financial has higher upside potential than First Financial, analysts believe CNB Financial is more attractive than First Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    THFF
    First Financial
    1 1 0
    CCNE
    CNB Financial
    2 1 0
  • Is THFF or CCNE More Risky?

    First Financial has a beta of 0.408, which suggesting that the stock is 59.238% less volatile than S&P 500. In comparison CNB Financial has a beta of 0.645, suggesting its less volatile than the S&P 500 by 35.545%.

  • Which is a Better Dividend Stock THFF or CCNE?

    First Financial has a quarterly dividend of $0.51 per share corresponding to a yield of 3.72%. CNB Financial offers a yield of 3.24% to investors and pays a quarterly dividend of $0.18 per share. First Financial pays 44.95% of its earnings as a dividend. CNB Financial pays out 35.21% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios THFF or CCNE?

    First Financial quarterly revenues are $62.5M, which are larger than CNB Financial quarterly revenues of $55.8M. First Financial's net income of $18.4M is higher than CNB Financial's net income of $11.5M. Notably, First Financial's price-to-earnings ratio is 11.16x while CNB Financial's PE ratio is 9.46x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Financial is 2.63x versus 2.05x for CNB Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    THFF
    First Financial
    2.63x 11.16x $62.5M $18.4M
    CCNE
    CNB Financial
    2.05x 9.46x $55.8M $11.5M
  • Which has Higher Returns THFF or CIVB?

    Civista Bancshares has a net margin of 29.46% compared to First Financial's net margin of 25.39%. First Financial's return on equity of 10% beat Civista Bancshares's return on equity of 9.22%.

    Company Gross Margin Earnings Per Share Invested Capital
    THFF
    First Financial
    -- $1.55 $696.8M
    CIVB
    Civista Bancshares
    -- $0.66 $869.1M
  • What do Analysts Say About THFF or CIVB?

    First Financial has a consensus price target of $56.67, signalling upside risk potential of 9.9%. On the other hand Civista Bancshares has an analysts' consensus of $25.67 which suggests that it could grow by 11.94%. Given that Civista Bancshares has higher upside potential than First Financial, analysts believe Civista Bancshares is more attractive than First Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    THFF
    First Financial
    1 1 0
    CIVB
    Civista Bancshares
    3 2 0
  • Is THFF or CIVB More Risky?

    First Financial has a beta of 0.408, which suggesting that the stock is 59.238% less volatile than S&P 500. In comparison Civista Bancshares has a beta of 0.695, suggesting its less volatile than the S&P 500 by 30.536%.

  • Which is a Better Dividend Stock THFF or CIVB?

    First Financial has a quarterly dividend of $0.51 per share corresponding to a yield of 3.72%. Civista Bancshares offers a yield of 2.88% to investors and pays a quarterly dividend of $0.17 per share. First Financial pays 44.95% of its earnings as a dividend. Civista Bancshares pays out 31.76% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios THFF or CIVB?

    First Financial quarterly revenues are $62.5M, which are larger than Civista Bancshares quarterly revenues of $40.1M. First Financial's net income of $18.4M is higher than Civista Bancshares's net income of $10.2M. Notably, First Financial's price-to-earnings ratio is 11.16x while Civista Bancshares's PE ratio is 10.10x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Financial is 2.63x versus 2.28x for Civista Bancshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    THFF
    First Financial
    2.63x 11.16x $62.5M $18.4M
    CIVB
    Civista Bancshares
    2.28x 10.10x $40.1M $10.2M
  • Which has Higher Returns THFF or ONB?

    Old National Bancorp has a net margin of 29.46% compared to First Financial's net margin of 30.05%. First Financial's return on equity of 10% beat Old National Bancorp's return on equity of 9.12%.

    Company Gross Margin Earnings Per Share Invested Capital
    THFF
    First Financial
    -- $1.55 $696.8M
    ONB
    Old National Bancorp
    -- $0.44 $11.7B
  • What do Analysts Say About THFF or ONB?

    First Financial has a consensus price target of $56.67, signalling upside risk potential of 9.9%. On the other hand Old National Bancorp has an analysts' consensus of $25.09 which suggests that it could grow by 19.14%. Given that Old National Bancorp has higher upside potential than First Financial, analysts believe Old National Bancorp is more attractive than First Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    THFF
    First Financial
    1 1 0
    ONB
    Old National Bancorp
    5 3 0
  • Is THFF or ONB More Risky?

    First Financial has a beta of 0.408, which suggesting that the stock is 59.238% less volatile than S&P 500. In comparison Old National Bancorp has a beta of 0.855, suggesting its less volatile than the S&P 500 by 14.472%.

  • Which is a Better Dividend Stock THFF or ONB?

    First Financial has a quarterly dividend of $0.51 per share corresponding to a yield of 3.72%. Old National Bancorp offers a yield of 2.66% to investors and pays a quarterly dividend of $0.14 per share. First Financial pays 44.95% of its earnings as a dividend. Old National Bancorp pays out 35.45% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios THFF or ONB?

    First Financial quarterly revenues are $62.5M, which are smaller than Old National Bancorp quarterly revenues of $481.4M. First Financial's net income of $18.4M is lower than Old National Bancorp's net income of $144.7M. Notably, First Financial's price-to-earnings ratio is 11.16x while Old National Bancorp's PE ratio is 12.24x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Financial is 2.63x versus 3.47x for Old National Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    THFF
    First Financial
    2.63x 11.16x $62.5M $18.4M
    ONB
    Old National Bancorp
    3.47x 12.24x $481.4M $144.7M
  • Which has Higher Returns THFF or SRCE?

    1st Source has a net margin of 29.46% compared to First Financial's net margin of 36.06%. First Financial's return on equity of 10% beat 1st Source's return on equity of 12.18%.

    Company Gross Margin Earnings Per Share Invested Capital
    THFF
    First Financial
    -- $1.55 $696.8M
    SRCE
    1st Source
    -- $1.52 $1.3B
  • What do Analysts Say About THFF or SRCE?

    First Financial has a consensus price target of $56.67, signalling upside risk potential of 9.9%. On the other hand 1st Source has an analysts' consensus of $69.00 which suggests that it could grow by 13.66%. Given that 1st Source has higher upside potential than First Financial, analysts believe 1st Source is more attractive than First Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    THFF
    First Financial
    1 1 0
    SRCE
    1st Source
    0 2 0
  • Is THFF or SRCE More Risky?

    First Financial has a beta of 0.408, which suggesting that the stock is 59.238% less volatile than S&P 500. In comparison 1st Source has a beta of 0.687, suggesting its less volatile than the S&P 500 by 31.251%.

  • Which is a Better Dividend Stock THFF or SRCE?

    First Financial has a quarterly dividend of $0.51 per share corresponding to a yield of 3.72%. 1st Source offers a yield of 2.41% to investors and pays a quarterly dividend of $0.38 per share. First Financial pays 44.95% of its earnings as a dividend. 1st Source pays out 26.69% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios THFF or SRCE?

    First Financial quarterly revenues are $62.5M, which are smaller than 1st Source quarterly revenues of $104M. First Financial's net income of $18.4M is lower than 1st Source's net income of $37.5M. Notably, First Financial's price-to-earnings ratio is 11.16x while 1st Source's PE ratio is 10.67x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Financial is 2.63x versus 3.75x for 1st Source. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    THFF
    First Financial
    2.63x 11.16x $62.5M $18.4M
    SRCE
    1st Source
    3.75x 10.67x $104M $37.5M
  • Which has Higher Returns THFF or UVSP?

    Univest Financial has a net margin of 29.46% compared to First Financial's net margin of 28.28%. First Financial's return on equity of 10% beat Univest Financial's return on equity of 8.94%.

    Company Gross Margin Earnings Per Share Invested Capital
    THFF
    First Financial
    -- $1.55 $696.8M
    UVSP
    Univest Financial
    -- $0.77 $1.2B
  • What do Analysts Say About THFF or UVSP?

    First Financial has a consensus price target of $56.67, signalling upside risk potential of 9.9%. On the other hand Univest Financial has an analysts' consensus of $31.67 which suggests that it could grow by 6.62%. Given that First Financial has higher upside potential than Univest Financial, analysts believe First Financial is more attractive than Univest Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    THFF
    First Financial
    1 1 0
    UVSP
    Univest Financial
    0 3 0
  • Is THFF or UVSP More Risky?

    First Financial has a beta of 0.408, which suggesting that the stock is 59.238% less volatile than S&P 500. In comparison Univest Financial has a beta of 0.728, suggesting its less volatile than the S&P 500 by 27.161%.

  • Which is a Better Dividend Stock THFF or UVSP?

    First Financial has a quarterly dividend of $0.51 per share corresponding to a yield of 3.72%. Univest Financial offers a yield of 2.86% to investors and pays a quarterly dividend of $0.22 per share. First Financial pays 44.95% of its earnings as a dividend. Univest Financial pays out 32.72% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios THFF or UVSP?

    First Financial quarterly revenues are $62.5M, which are smaller than Univest Financial quarterly revenues of $79.2M. First Financial's net income of $18.4M is lower than Univest Financial's net income of $22.4M. Notably, First Financial's price-to-earnings ratio is 11.16x while Univest Financial's PE ratio is 11.12x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Financial is 2.63x versus 2.89x for Univest Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    THFF
    First Financial
    2.63x 11.16x $62.5M $18.4M
    UVSP
    Univest Financial
    2.89x 11.12x $79.2M $22.4M

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