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First Financial Corporation Indiana (THFF)
NASDAQ:THFF
US Market
THFF
First Financial Indiana
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First Financial Indiana (THFF) Ratios

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First Financial Indiana Ratios

THFF's free cash flow for Q2 2026 was $0.74. For the 2026 fiscal year, THFF's free cash flow was decreased by $ and operating cash flow was $0.30. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.24 0.18 0.17 0.33 0.35
Quick Ratio
 0.24 0.18 0.17 0.33 0.35
Cash Ratio
 0.02 0.03 0.02 0.02 0.05
Solvency Ratio
 0.02 0.02 0.01 0.02 0.02
Operating Cash Flow Ratio
 0.02 0.02 0.01 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.48 0.31 0.32 1.28 1.11
Net Current Asset Value
$ -4.17B$ -4.25B$ -4.16B$ -2.96B$ -2.94B
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.08 0.04 0.04 0.02
Debt-to-Equity Ratio
 0.71 0.74 0.39 0.33 0.17
Debt-to-Capital Ratio
 0.41 0.42 0.28 0.25 0.14
Long-Term Debt-to-Capital Ratio
 0.28 0.22 0.05 0.17 0.02
Financial Leverage Ratio
 9.18 8.84 10.13 9.19 10.50
Debt Service Coverage Ratio
 0.40 0.25 0.21 0.52 0.87
Interest Coverage Ratio
 1.31 1.31 0.64 1.19 4.81
Debt to Market Cap
 0.50 0.67 0.39 0.34 0.14
Interest Debt Per Share
 45.78 46.95 25.82 19.85 8.08
Net Debt to EBITDA
 2.77 3.14 1.81 1.25 -1.51
Profitability Margins
Gross Profit Margin
79.41%77.68%65.56%74.76%92.94%
EBIT Margin
37.01%30.44%18.59%26.74%38.15%
EBITDA Margin
39.46%34.18%21.82%29.15%40.81%
Operating Profit Margin
30.16%30.44%18.59%26.74%38.15%
Pretax Profit Margin
33.42%30.44%18.59%26.74%38.15%
Net Profit Margin
26.76%24.26%15.37%22.38%30.91%
Continuous Operations Profit Margin
26.76%24.26%15.37%22.38%30.91%
Net Income Per EBT
80.08%79.72%82.72%83.69%81.03%
EBT Per EBIT
110.79%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.51%1.38%0.85%1.25%1.43%
Return on Equity (ROE)
13.84%12.17%8.61%11.49%14.96%
Return on Capital Employed (ROCE)
10.39%10.89%8.73%10.45%15.97%
Return on Invested Capital (ROIC)
6.90%6.57%5.62%7.97%11.46%
Return on Tangible Assets
1.54%1.40%0.87%1.28%1.45%
Earnings Yield
9.89%11.06%8.66%11.81%12.64%
Efficiency Ratios
Receivables Turnover
 11.87 11.76 11.42 10.90 10.81
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
 3.90 4.15 3.45 4.03 3.48
Asset Turnover
 0.06 0.06 0.06 0.06 0.05
Working Capital Turnover Ratio
 -0.24 -0.08 -0.09 -0.10 -0.09
Cash Conversion Cycle
 30.76 31.04 31.97 33.49 33.78
Days of Sales Outstanding
 30.76 31.04 31.97 33.49 33.78
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
 30.76 31.04 31.97 33.49 33.78
Cash Flow Ratios
Operating Cash Flow Per Share
 8.18 7.63 5.11 7.21 6.45
Free Cash Flow Per Share
 8.06 7.29 4.59 6.66 6.34
CapEx Per Share
 0.12 0.34 0.52 0.55 0.12
Free Cash Flow to Operating Cash Flow
 0.98 0.96 0.90 0.92 0.98
Dividend Paid and CapEx Coverage Ratio
 3.62 3.21 2.21 3.93 4.96
Capital Expenditure Coverage Ratio
 65.58 22.70 9.88 13.16 55.25
Operating Cash Flow Coverage Ratio
 0.21 0.19 0.28 0.49 0.98
Operating Cash Flow to Sales Ratio
 0.28 0.28 0.20 0.32 0.34
Free Cash Flow Yield
10.36%12.07%9.94%15.49%13.75%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.10 9.04 11.55 8.47 7.91
Price-to-Sales (P/S) Ratio
 2.71 2.19 1.77 1.89 2.45
Price-to-Book (P/B) Ratio
 1.40 1.10 0.99 0.97 1.18
Price-to-Free Cash Flow (P/FCF) Ratio
 9.65 8.29 10.06 6.46 7.27
Price-to-Operating Cash Flow Ratio
 9.50 7.92 9.04 5.97 7.14
Price-to-Earnings Growth (PEG) Ratio
 0.44 0.13 -0.54 -0.67 0.18
Enterprise Value Multiple
 9.63 9.56 9.94 7.75 4.48
Enterprise Value
 1.30B 1.07B 667.25M 612.69M 420.63M
EV to EBITDA
 9.63 9.56 9.94 7.75 4.48
EV to Sales
 3.80 3.27 2.17 2.26 1.83
EV to Free Cash Flow
 13.55 12.34 12.30 7.70 5.44
EV to Operating Cash Flow
 13.34 11.80 11.05 7.12 5.34
Tangible Book Value Per Share
 45.79 45.25 36.19 36.48 31.25
Shareholders’ Equity Per Share
 55.54 54.91 46.48 44.23 38.92
Tax and Other Ratios
Effective Tax Rate
 0.20 0.20 0.17 0.16 0.19
Revenue Per Share
 28.74 27.54 26.03 22.71 18.84
Net Income Per Share
 7.69 6.68 4.00 5.08 5.82
Tax Burden
 0.80 0.80 0.83 0.84 0.81
Interest Burden
 0.90 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
 0.41 0.31 0.25 0.26 0.30
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.15 1.14 1.28 1.42 1.11
Currency in USD