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First Financial

NSQ:THFF · US3202181000
BanksSmall

360

70
Profit price78
Cash yield79
Price/Sales67
EV / Gross Profit22
Price/Book38
Returns on capital40
Profit margins—
Cash Conversion50
Accruals35
Owner Earnings Margin76
Sales growth61
Profit Growth50
Owner Earnings Growth70
Reinvestment94
Price momentum86
Debt load14
Debt serviceability86
Liquidity69
Analyst ratings59
Opinion Changes50
Price Target Upside12
Market mood35
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

First Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1982
Websitefirst-online.bank
ISINUS3202181000
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
Financial ServicesLending and Investments

Description

First Financial Corporation, a financial holding company, offers a wide variety of financial services, including commercial, mortgage and consumer lending, lease financing, trust account services, and depositor services. The bank is the largest bank…

Analysis

Quality compounder

First Financial Corporation is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 9.9× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 13/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
85
2023202420252026

All-time high

85

Jun 2026

All-time low

29

Jan 2023

Average rank

59

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
67
85
77
85
Price/Earnings
77
83
77
74
Price/Book
38
69
53
93
Dividend Yield
79
85
87
31
Value (overall)
73
97
99
85

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →