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Terre Haute, Indiana bank holding company providing community banking across Indiana and Illinois.
Terre Haute, Indiana bank holding company providing community banking across Indiana and Illinois.
Earns mostly from interest on loans funded by local deposits, with trust and wealth-management fees as a further source. The business is spread across small Indiana and Illinois markets, where it has long-standing customers and faces fewer rivals than banks in big cities.
Moat: narrow (distribution, switching costs). Long-tenured deposit franchise across small Indiana/Illinois markets with limited competition.
Headquarters: Terre Haute, Indiana · Founded: 1834 · Employees: 946
Size First Financial (THFF) is a United States Financials company (Major Banks) with a market value of $907M, the 2309th largest of 3,117 United States companies the cockpit tracks. Shares closed at $76.24 on 6 Nov 2026.
Performance Over six months the shares gained 12.4%, against +13.6% for the median peer and -1.1% for the United States market (cap-weighted) — 10th lowest of 21 in its peer set.
Growth Revenue grew 9.8% over the last twelve months (peer median +7.9%); the operating margin is 39.7% (peer median 26.2%).
Valuation It trades at 1.37× book value against a peer median of 1.25× (8th most expensive of 21).
Price implies The share price implies a return on equity of about 8.6%; First Financial delivers 14.3%, so the price asks less than the business earns today.
Short interest Short interest is 3.7% of the free float (15 Oct 2026).
Next results Next results expected around 2 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $374M | $348M | $308M | $271M | $230M |
| Revenue growth | — | +13% | +13% | +18% | — |
| Net income | $91.4M | $79.2M | $47.3M | $60.7M | $71.1M |
| Free cash flow | $101M | $85.3M | $53.3M | $79.4M | $72.8M |
| Capital expenditure | $4.28M | $3.98M | $6.11M | $6.54M | $1.43M |
| Total debt | $475M | $488M | $223M | $181M | $86.3M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| First Financial THFF | $907M | +12% | +10% | 14% | 1.37× | 8.6% |
| First Merchants FRME | $2.56B | +1% | +8% | 8% | 0.97× | 9.2% |
| Horizon Bancorp HBNC | $1.07B | +13% | +424% | 16% | 1.52× | 12.0% |
| German American Bancorp GABC | $1.88B | +15% | +12% | 13% | 1.63× | 11.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | THFF | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +3.1% | +1.7% | 8th highest of 21 |
| 6-month return | +12.4% | +13.6% | 10th lowest of 21 |
| Return on equity | 14.3% | 7.8% | 3rd highest of 21 |
| Price / book | 1.37× | 1.25× | 8th most expensive of 21 |
| Trailing P/E | 9.9× | 12.9× | 2nd cheapest of 21 |
| ROE the price implies | 8.6% | 8.3% | 9th most demanding of 20 |
| ROE delivered | 14.3% | 7.8% | 3rd highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| First Financial THFF | United States | $907M | +12% | +10% | 14% | 1.37× | 8.6% | 14.3% |
| Farmers National Banc FMNB | United States | $914M | +9% | +26% | 12% | 1.28× | 10.2% | 11.6% |
| O-Bank 2897.TW | Taiwan | $889M | +4% | -7% | 6% | 0.68× | 2.8% | 5.6% |
| Fukui Bank 8362.T | Japan | $872M | +57% | +16% | 7% | 0.86× | 7.9% | 7.5% |
| Chiba Kogyo Bank 8337.T | Japan | $845M | +10% | +28% | 5% | 1.01× | 8.4% | 4.9% |
| Camden National CAC | United States | $980M | +18% | +6% | 13% | 1.36× | 9.5% | 12.9% |
| Alerus Financial ALRS | United States | $837M | +26% | -15% | 5% | 1.45× | 10.7% | 5.3% |
| Renta 4 Banco R4.MC | Spain | $984M | +13% | +12% | 29% | 4.15× | 13.9% | 29.0% |
| Alandsbanken Abp ALBAV.HE | Finland | $724M | -5% | -4% | 16% | 2.30× | 8.3% | 16.3% |
| Arrow Financial AROW | United States | $713M | +4% | +14% | 9% | 1.38× | 10.6% | 9.4% |
| Amerant Bancorp AMTB | United States | $1.15B | +26% | -8% | 8% | 1.38× | 11.0% | 7.5% |
| Laan & Spar Bank A/S LASP.CO | Denmark | $711M | +11% | -7% | 12% | 1.26× | 5.2% | 11.7% |
| VP Bank VPBN.SW | Switzerland | $706M | +14% | -10% | 4% | 0.49× | n/a | 4.3% |
| Yamanashi Chuo Bank 8360.T | Japan | $1.16B | +57% | +30% | 5% | 0.72× | 5.7% | 5.0% |
| Norion Bank NORION.ST | Sweden | $1.18B | +33% | -2% | 13% | 1.23× | 6.8% | 12.6% |
| Capital Bancorp CBNK | United States | $692M | +34% | +10% | 13% | 1.60× | 10.0% | 13.2% |
| Old Second Bancorp OSBC | United States | $1.24B | +15% | +22% | 13% | 1.37× | 10.9% | 12.8% |
| Bank of Kaohsiung 2836.TW | Taiwan | $652M | -1% | -5% | 5% | 0.78× | 3.0% | 5.3% |
| Toho Bank 8346.T | Japan | $1.32B | +24% | +30% | 7% | 0.92× | 7.2% | 6.6% |
| Senshu Ikeda Holdings,Inc 8714.T | Japan | $1.41B | -14% | +29% | 8% | 0.88× | 6.0% | 8.0% |
| ProCredit PCZ.DE | Germany | $580M | +9% | +6% | 7% | 0.48× | 7.0% | 7.1% |