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STOCKS

First Financial Corporation Indiana (THFF)

:THFF

THFF

First Financial Indiana

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First Financial Indiana (THFF) Ratios

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163 Followers

First Financial Indiana Ratios

THFF's free cash flow for Q3 2025 was $-2.18. For the 2025 fiscal year, THFF's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	7.12	0.33	0.30	22.11	14.61
Quick Ratio	7.12	0.33	0.30	29.61	20.43
Cash Ratio	0.48	0.02	3.10	7.31	5.66
Solvency Ratio	0.02	0.02	0.02	0.01	0.02
Operating Cash Flow Ratio	0.40	0.02	1.11	0.59	0.67
Short-Term Operating Cash Flow Coverage	0.40	1.28	1.11	0.59	0.67
Net Current Asset Value	$ -3.75B	$ -2.96B	$ -4.49B	$ -2.52B	$ -2.27B
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.04	0.02	0.02	0.03
Debt-to-Equity Ratio	0.29	0.33	0.17	0.19	0.19
Debt-to-Capital Ratio	0.23	0.25	0.14	0.16	0.16
Long-Term Debt-to-Capital Ratio	0.00	0.17	0.02	0.03	0.00
Financial Leverage Ratio	9.11	9.19	10.50	8.88	7.63
Debt Service Coverage Ratio	0.37	0.52	0.87	0.58	0.46
Interest Coverage Ratio	0.23	1.19	6.17	7.46	4.64
Debt to Market Cap	0.28	0.34	0.14	0.18	0.22
Interest Debt Per Share	22.82	19.85	8.08	8.95	9.49
Net Debt to EBITDA	0.81	1.25	-1.49	-7.99	-7.56
Profitability Margins
Gross Profit Margin	19.36%	74.76%	100.00%	100.00%	100.00%
EBIT Margin	21.56%	26.74%	41.44%	35.37%	34.71%
EBITDA Margin	38.11%	29.15%	44.33%	38.69%	37.93%
Operating Profit Margin	6.48%	26.74%	53.16%	35.37%	34.71%
Pretax Profit Margin	29.90%	26.74%	41.44%	35.37%	34.71%
Net Profit Margin	23.95%	22.38%	33.58%	28.57%	28.52%
Continuous Operations Profit Margin	5.26%	22.38%	33.58%	28.57%	28.52%
Net Income Per EBT	80.11%	83.69%	81.03%	80.76%	82.16%
EBT Per EBIT	461.53%	100.00%	77.96%	100.00%	100.00%
Return on Assets (ROA)	1.31%	1.25%	1.43%	1.02%	1.18%
Return on Equity (ROE)	12.70%	11.49%	14.96%	9.10%	9.02%
Return on Capital Employed (ROCE)	0.36%	10.45%	2.29%	1.29%	1.48%
Return on Invested Capital (ROIC)	1.07%	7.97%	50.36%	1.47%	1.88%
Return on Tangible Assets	1.33%	1.28%	1.45%	1.04%	1.20%
Earnings Yield	11.42%	11.81%	12.64%	8.87%	10.10%
Efficiency Ratios
Receivables Turnover	11.65	10.90	9.95	10.95	11.14
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	3.89	4.03	3.20	2.67	3.04
Asset Turnover	0.05	0.06	0.04	0.04	0.04
Working Capital Turnover Ratio	0.27	-0.10	0.22	0.10	0.15
Cash Conversion Cycle	31.34	33.49	36.69	33.35	32.78
Days of Sales Outstanding	31.34	33.49	36.69	33.35	32.78
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	31.34	33.49	36.69	33.35	32.78
Cash Flow Ratios
Operating Cash Flow Per Share	6.16	7.21	6.45	4.17	5.64
Free Cash Flow Per Share	5.61	6.66	6.34	3.88	5.36
CapEx Per Share	0.55	0.55	0.12	0.29	0.28
Free Cash Flow to Operating Cash Flow	0.91	0.92	0.98	0.93	0.95
Dividend Paid and CapEx Coverage Ratio	2.50	3.93	4.96	3.06	4.26
Capital Expenditure Coverage Ratio	11.21	13.16	55.25	14.36	19.81
Operating Cash Flow Coverage Ratio	0.40	0.49	0.98	0.50	0.67
Operating Cash Flow to Sales Ratio	0.24	0.32	0.37	0.30	0.41
Free Cash Flow Yield	10.25%	15.49%	13.75%	8.58%	13.80%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.91	8.47	7.91	11.27	9.90
Price-to-Sales (P/S) Ratio	2.13	1.89	2.66	3.22	2.82
Price-to-Book (P/B) Ratio	1.06	0.97	1.18	1.03	0.89
Price-to-Free Cash Flow (P/FCF) Ratio	9.92	6.46	7.27	11.66	7.25
Price-to-Operating Cash Flow Ratio	9.04	5.97	7.14	10.85	6.88
Price-to-Earnings Growth (PEG) Ratio	0.46	-0.67	0.18	4.92	2.89
Price-to-Fair Value	1.06	0.97	1.18	1.03	0.89
Enterprise Value Multiple	6.41	7.75	4.51	0.33	-0.12
Enterprise Value	742.90M	612.69M	423.11M	23.88M	-8.54M
EV to EBITDA	6.31	7.75	4.51	0.33	-0.12
EV to Sales	2.40	2.26	2.00	0.13	-0.05
EV to Free Cash Flow	11.18	7.70	5.47	0.47	-0.12
EV to Operating Cash Flow	10.19	7.12	5.37	0.43	-0.11
Tangible Book Value Per Share	42.76	36.48	31.25	37.03	37.14
Shareholders’ Equity Per Share	52.52	44.23	38.92	44.17	43.53
Tax and Other Ratios
Effective Tax Rate	0.20	0.16	0.19	0.19	0.18
Revenue Per Share	26.08	22.71	17.34	14.06	13.77
Net Income Per Share	6.25	5.08	5.82	4.02	3.93
Tax Burden	0.80	0.84	0.81	0.81	0.82
Interest Burden	1.39	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.33	0.26	0.32	0.35	0.33
Stock-Based Compensation to Revenue	<0.01	<0.01	0.01	0.01	0.01
Income Quality	1.18	1.42	1.11	1.04	1.44

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