First Financial Corporation
Description
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.
About
CEO
Mr. Norman D. Lowery
Employees
861
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNGS
Address
One First Financial Plaza, Terre Haute, IN 47807, United States
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![Enlarged Chart]()
Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Oct 20, 2025 | — | — | — | — |
| Jul 21, 2025 | — | — | — | — |
| Apr 28, 2025 | — | — | — | — |
| Oct 22, 2024 | 0.91 | 0.74 | -0.17 | -18.68% |
| Jul 23, 2024 | 0.96 | 0.96 | 0.00 | 0.00% |
Earnings estimate
|
Next Quarter
(Mar 2025)
|
Next Year
(Dec 2025)
|
|||
|---|---|---|---|---|
| Number of analysts | — | 3 | — | 3 |
| Average estimate | — | 1.18 | — | 5.19 |
| Low estimate | — | 1.16 | — | 5.15 |
| High estimate | — | 1.20 | — | 5.22 |
| Last year EPS | — | 0.93 | — | 4.25 |
[stock_revenue_estimate]
Growth estimates
Current qtr
21.070%
Next qtr. (Mar 2025)
27.240%
Current year
-16.340%
Next year (Dec 2025)
22.120%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 209.96M | 211.76M | 185.49M | 188.82M | 170.10M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 71.43M | 67.88M | 65.77M | 62.25M | 55.52M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 72.49M | 87.76M | 65.61M | 65.54M | 61.00M |
| Tax provision | 11.82M | 16.65M | 12.63M | 11.69M | 12.13M |
| Net income | 60.67M | 71.11M | 52.99M | 53.84M | 48.87M |
| Basic EPS | 5.08 | 5.82 | 4.02 | 3.93 | 3.80 |
| Diluted EPS | 5.08 | 5.82 | 4.02 | 3.93 | 3.80 |
| Basic average shares | 11.94M | 12.21M | 13.19M | 13.72M | 12.87M |
| Diluted average shares | 11.94M | 12.21M | 13.19M | 13.72M | 12.87M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 60.67M | 71.11M | 52.99M | 53.84M | 48.87M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | — | — | — | — | 127.43M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 76.76M | 222.52M | 688.03M | 657.47M | 127.43M |
| Other short term investments | 1.26B | 1.33B | 1.36B | 1.02B | 926.72M |
| Accounts receivable | 24.88M | 21.29M | 16.95M | 16.96M | 18.52M |
| Other receivables | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | — | — | 6.20M | — | — |
| Land and improvements | 17.38M | 17.89M | 18.61M | 17.57M | 17.57M |
| Machinery furniture equipment | 52.20M | 46.67M | 44.84M | 42.17M | 39.72M |
| Construction in progress | — | — | — | — | — |
| Leases | — | — | — | — | — |
| Accumulated depreciation | -70.46M | -68.72M | -67.67M | -64.34M | -61.31M |
| Goodwill | 179.56M | 180.68M | 180.29M | 167.76M | 169.26M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 5.59M | 6.71M | 8.02M | 10.57M | 12.08M |
| Investments and advances | 1.26B | 1.33B | 1.36B | 1.02B | 926.72M |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | — | — | — | — | — |
| Accrued expenses | — | — | — | — | — |
| Short term debt | — | — | — | — | — |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 108.58M | 9.59M | 15.94M | 5.86M | 30.97M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 2.01M | 2.01M | 2.01M | 2.01M | 2.01M |
| Retained earnings | 663.73M | 614.83M | 559.14M | 521.10M | 492.06M |
| Other shareholders equity | -127.09M | -139.97M | -2.43M | 9.76M | -7.50M |
| Total shareholders equity | 527.98M | 475.29M | 582.58M | 596.99M | 557.61M |
| Additional paid in capital | 144.15M | 143.19M | 141.98M | 140.82M | 139.69M |
| Treasury stock | 154.83M | 144.76M | 118.13M | 76.70M | 68.65M |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||||||||||
| Net Income | 60.67M | 71.11M | 52.99M | 53.84M | 48.87M | 46.58M | 29.13M | 38.41M | 30.20M | 33.77M | 31.53M | 32.81M | 37.20M | 28.04M | 22.72M | 24.77M | 25.58M | 23.54M | 23.05M | 28.01M | 26.49M | 28.64M | 24.20M | 23.21M | 21.60M | 18.60M | 18.10M | 16.00M | 13.30M | 12.30M | 12.70M | 11.70M | 8.30M |
| Depreciation | 6.53M | 6.11M | 6.15M | 6.09M | 4.83M | 4.16M | 4.43M | 4.97M | 5.49M | 5.98M | 5.48M | 5.11M | 3.90M | 4.64M | 4.20M | 3.54M | 824,000 | 6.06M | 1.90M | 5.28M | 3.44M | 2.01M | 1.37M | 1.15M | 3.20M | 1.80M | 500,000 | 500,000 | 400,000 | 2.70M | 5.30M | 3.80M | 1.60M |
| Deferred Taxes | -472,000 | -3.15M | -1.57M | -3.77M | -2.84M | -2.43M | -4.24M | -1.51M | -924,000 | 2.87M | -39,000 | -143,000 | 624,000 | -5.94M | -2.04M | -5.15M | 27,000 | -3.58M | 1.72M | 1.65M | -252,000 | -827,000 | 110,000 | 225,000 | -300,000 | -1.00M | -1.10M | -300,000 | -300,000 | -700,000 | 900,000 | -800,000 | -600,000 |
| Stock-Based Compensation | 2.41M | 2.28M | 2.21M | 2.29M | 2.05M | 1.83M | 1.77M | 2.05M | 1.98M | 2.33M | 1.95M | 1.93M | 1.56M | 1.35M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | 9.15M | 4.25M | -11.48M | 6.55M | -9.04M | 795,000 | 12.32M | 5.56M | -970,000 | 6.31M | 16.20M | 7.15M | -4.71M | 10.58M | -7.45M | 2.81M | 9.12M | 17.84M | 13.43M | 7.18M | 13.24M | 4.17M | 2.41M | -12.78M | 19.60M | 6.00M | 5.70M | 4.20M | 400,000 | 3.50M | -1.60M | 2.20M | 2.00M |
| Accounts Receivable | -3.59M | -4.34M | 982,000 | 1.57M | -903,000 | -1.06M | -602,000 | -578,000 | -140,000 | -39,000 | 470,000 | 923,000 | 500,000 | 797,000 | 1.08M | 617,000 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Accounts Payable | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Assets & Liabilities | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Cash Flow | 74.70M | 76.26M | 49.29M | 66.57M | 42.97M | 49.89M | 42.80M | 48.90M | 35.63M | 51.21M | 55.60M | 47.78M | 39.07M | 39.47M | 18.50M | 26.58M | 35.56M | 43.85M | 40.11M | 42.12M | 42.92M | 34.00M | 28.09M | 11.81M | 44.10M | 25.40M | 23.20M | 20.40M | 13.80M | 17.80M | 17.30M | 16.90M | 11.30M |
| Investing Activities | |||||||||||||||||||||||||||||||||
| Capital Expenditures | -6.54M | -1.43M | -3.84M | -3.91M | -1.10M | -2.01M | -2.98M | -3.05M | -3.39M | -5.30M | -2.52M | -10.95M | -1.48M | -2.41M | -4.21M | -266,000 | 1.94M | -5.02M | -2.91M | -4.46M | -1.76M | -2.44M | -2.55M | -3.42M | -4.90M | -2.40M | -1.60M | -3.00M | -5.70M | -2.80M | -1.80M | -2.50M | -2.10M |
| Net Intangibles | — | — | — | — | — | — | — | — | -103,000 | — | — | -114,000 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | -23.09M | — | -32.83M | — | — | 16.90M | — | — | 177.61M | — | 14.85M | -609,000 | 30.98M | — | — | — | — | — | — | 14.55M | -1.70M | — | — | — | — | — | — | — | — | — | — |
| Purchase of Investments | -30.46M | -345.20M | -589.80M | -366.00M | -129.47M | -124.33M | -111.14M | -150.89M | -149.18M | -99.95M | -418.00M | -194.48M | -134.77M | -211.06M | -88.53M | -151.86M | -120.66M | -198.85M | -422.14M | -55.89M | -264.35M | -140.02M | -82.70M | -55.64M | -219.10M | -315.90M | -170.20M | -251.00M | -261.90M | -184.00M | -217.90M | -212.00M | -190.50M |
| Sale of Investments | 111.54M | 179.60M | 271.58M | 288.79M | 185.02M | 143.16M | 151.56M | 168.51M | 154.05M | 136.50M | 163.43M | 168.29M | 139.20M | 236.11M | 128.35M | 96.26M | 114.99M | 157.03M | 387.54M | 117.86M | 197.36M | 184.37M | 158.04M | 97.92M | 230.40M | 219.40M | 232.40M | 175.40M | 139.50M | 225.60M | 243.40M | 169.00M | 104.80M |
| Investing Cash Flow | 74.84M | -165.92M | -354.25M | -76.59M | 21.80M | 18.58M | 38.84M | 33.52M | 8.68M | 38.93M | -74.53M | -24.22M | 22.83M | 28.29M | 97.56M | -53.48M | -64.21M | -53.34M | 6.95M | 19.95M | -74.60M | 62.70M | 13.57M | -114.19M | -77.70M | -176.70M | -29.00M | -78.70M | -156.40M | -19.20M | -27.90M | -126.50M | -124.40M |
| Financing Activities | |||||||||||||||||||||||||||||||||
| Long-Term Debt Issuance | 2.08B | — | — | 16.70M | 217.00M | 115.60M | 170.00M | 54.35M | 36.90M | 572.00M | 135.00M | — | — | 2.00M | 120.00M | 408.50M | 81.75M | — | — | 85.01M | 18.01M | 21.01M | 78.92M | 563.80M | 293.00M | 251.60M | — | 13.80M | 31.10M | — | 14.90M | 17.30M | 1.80M |
| Long-Term Debt Payments | -1.98B | -6.40M | -1.00M | -42.01M | -217.00M | -115.60M | -170.13M | -66.67M | -36.81M | -617.00M | -196.10M | -26.09M | -3.99M | -208.94M | -172.42M | -370.46M | -82.27M | -2.06M | -18.62M | -105.75M | -58.07M | -28.79M | -141.91M | -457.06M | -192.70M | -174.50M | -33.30M | — | — | -15.70M | -200,000 | -300,000 | — |
| Other Financing Charges | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 500,000 | — | -100,000 | — | — | — | 400,000 | 100,000 |
| Financing Cash Flow | 68.45M | -71.06M | -80.34M | -12.86M | -68.11M | -917,000 | -54.49M | 3.08M | -35.43M | -84.16M | -54.98M | -97.99M | 20.52M | -215.82M | -55.90M | 19.19M | -765,000 | -23.26M | -78.70M | -24.00M | -14.63M | -41.38M | -34.68M | 55.02M | 54.00M | 124.30M | -26.80M | 49.00M | 77.50M | 14.30M | -14.70M | 68.60M | 23.20M |
| Other Cash Details | |||||||||||||||||||||||||||||||||
| End Cash Position | 76.76M | 222.52M | 688.03M | 657.47M | 127.43M | 74.39M | 74.11M | 75.01M | 88.70M | 78.10M | 71.03M | 87.23M | 134.28M | 58.51M | 84.37M | 67.30M | 70.08M | 77.68M | 78.20M | 94.93M | 94.20M | 96.04M | 68.21M | 68.76M | 58.10M | 54.90M | — | — | — | — | — | — | — |
| Income Tax Paid | 11.35M | 13.53M | 15.03M | 7.55M | 9.60M | 7.19M | 11.16M | 18.74M | 12.87M | 9.35M | 13.82M | 12.64M | 16.57M | 15.71M | 13.49M | 11.66M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 59.03M | 18.46M | 9.14M | 14.85M | 16.34M | 9.41M | 6.34M | 4.43M | 4.24M | 5.53M | 9.38M | 13.84M | 17.36M | 28.05M | 40.01M | 54.17M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 79.55M | 77.36M | 51.23M | 73.52M | 48.80M | 55.44M | 47.16M | 38.14M | 37.76M | 52.55M | 60.18M | 43.52M | 41.77M | 46.15M | 22.74M | 33.91M | 35.50M | 37.39M | 36.11M | 38.88M | 43.05M | 32.44M | 28.22M | 5.15M | 39.00M | 21.50M | 22.10M | 15.80M | 5.10M | 14.50M | 16.00M | 14.60M | 8.80M |
Top Institutional Holders
| Holder | Date Reported | Shares | Value | % Held |
|---|---|---|---|---|
| iShares Russell 2000 ETF | Nov 30, 2024 | 389,592 | 20.26M | 3.30% |
| Vanguard Total Stock Market Index Fund | Sep 30, 2024 | 332,965 | 17.31M | 2.82% |
| Avantis U.S. Small Cap Value ETF | Nov 30, 2024 | 192,582 | 10.01M | 1.63% |
| DFA U.S. Small Cap Value Series | Oct 31, 2024 | 165,381 | 8.60M | 1.40% |
| Vanguard Extended Market Index Fund | Sep 30, 2024 | 145,226 | 7.55M | 1.23% |
| iShares Russell 2000 Value ETF | Nov 30, 2024 | 121,182 | 6.30M | 1.03% |
| Fidelity Small Cap Index Fund | Oct 31, 2024 | 117,182 | 6.09M | 0.99% |
| Capitol Ser Tr-Fuller & Thaler Behavioral Small Cap Equity Fd | Sep 30, 2024 | 112,829 | 5.87M | 0.96% |
| Columbia Fds Ser Tr I-Columbia Small Cap Value Fd I | Oct 31, 2024 | 105,806 | 5.50M | 0.90% |
| BlackRock Advantage Small Cap Core Fund | Nov 30, 2024 | 100,517 | 5.23M | 0.85% |
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