FIRST FINANCIAL CORP /IN/ (THFF)
State Commercial Banks · Financial Services · $877M
Intrinsic Value (Consensus)
$158.66
Current Price
$73.75
Margin of Safety
+115.1%
115.1% Below Intrinsic Value
Value: $159
Price: $74
Valuation Model Estimates
Current Price: $73.75
DCF (Discounted Cash Flow)
$340.80
Graham Number
$90.70
Earnings Power Value
$64.85
Relative Value (P/E)
$133.60
Dividend Discount Model
$163.33
Consensus Value
$158.66
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
74
Profitability
18/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (9.9%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $6.68
- EPS (Forward)
- $8.02
- Book Value
- $54.73
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 12.2%
- Debt/Equity
- 29%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.4%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance