profit from every $100 of sales.
$0$100
First Financial
$77.11-0.13% today
+36.3% in 1 year
1-year low $54.961-year high $82.79
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $11.58 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What First Financial sold, what it kept, and what it did with the cash.
Sales went from $212 million in 2022 to $262 million in 2025, with $79.2 million of profit last year.
SalesProfit
First Financial handed back 29% of the cash it generated last year.
$24M
Free cash flow 2025$86M
Bought back its own shares$795,000
Paid as dividends$24M
Cash vs. debt$130M vs. $188M
First Financial vs. similar companies
First Financial grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| First Financial | 11.6× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads First Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 212 | 210 | 218 | 262 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 71 | 61 | 47 | 79 | |
| 5.82 | 5.08 | 4.00 | 6.68 | |
| – | – | – | – | |
| – | – | – | – | |
| 33.6% | 28.9% | 21.7% | 30.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 4,989 | 4,851 | 5,560 | 5,756 |
| Cash | 223 | 77 | 94 | 130 |
| Total debt | 10 | 109 | 28 | 188 |
| Total liabilities | 4,514 | 4,323 | 5,011 | 5,105 |
| 475 | 528 | 549 | 651 | |
| 12 | 12 | 12 | 12 | |
| – | – | – | – | |
| 15.0% | 11.5% | 8.6% | 12.2% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 79 | 86 | 60 | 90 | |
| 1 | 7 | 6 | 4 | |
| 77 | 80 | 54 | 86 | |
| Dividends paid | 14 | 15 | 21 | 24 |
| 28 | 12 | 0 | 1 | |
| 2 | 2 | 3 | 3 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.6×
- 10.7×
- 2.46
- 1.2×
- 3.5×
- 8.6%
- 3.3%
Profitability
- 30.3%
- 1.2%
- 8.4%
- 12.8%
- 1.3%
Growth
- +7.3%
- +4.7%
- +14.4%
- −2.6%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 27%of 749
Top 37%of 604
Top 34%of 872
Bottom 44%of 883
Top 25%of 931
What analysts expect
- Average price target
- $50.00
- Range
- $50.00 – $50.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 28, 2026 | 1.67 | 1.64 | +1.8% |
| Feb 3, 2026 | 1.81 | 1.69 | +7.1% |
| Oct 28, 2025 | 1.75 | 1.61 | +8.7% |
| Jul 22, 2025 | 1.57 | 1.43 | +9.8% |
| Apr 22, 2025 | 1.55 | 1.29 | +20.2% |
| Feb 4, 2025 | 1.37 | 1.29 | +6.2% |
| Oct 22, 2024 | 0.74 | 0.91 | −18.7% |
| Jul 23, 2024 | 0.96 | 0.96 | +0.0% |
3.3%of the share price, paid each year
On $1,000 invested$33a year at today's yield, before tax
+14.4%2020 to 2025
Raised1 yearin a row, in our data
Paid per share, each year
$0.98 in 2015 → $2.04 in 2025
How safe it looks
30.5% of its profit
Room to growStretchedMore than it earns: 28.0%
News
FPT Becomes the World’s First Microsoft Partner to Earn Frontier Advanced SpecializationYahoo Finance · Nov 12, 2026Cloudforce Named 2026 Microsoft Education Partner of the Year, the First Company Ever to Win the Award TwiceYahoo Finance · Nov 11, 2026Why Nvidia Stock Is Rising Despite Wall Street’s First Call for Jensen Huang to Step DownYahoo Finance · Nov 11, 2026Bullish’s New President Backs Issuer-First Model for Tokenized StocksYahoo Finance · Nov 10, 2026Hf Foods signals 3- to 5-year cross-selling runway as Searay adds mid-teens EBITDA margin in first monthSeeking Alpha · Nov 10, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
58No pass
Benjamin Graham
70Pass
Philip Fisher
65Pass
Peter Lynch
34No pass
Joel Greenblatt
19No pass
Charlie Munger
52No pass
Terry Smith
51No pass
Questions about First Financial
Is First Financial a good stock to buy?
A strong, very profitable business, and the price looks low. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the First Financial AI analysis
What does First Financial do?
First Financial Corporation, through its subsidiaries, provides various financial services. It offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. It is in Banks - Regional.
Does First Financial pay a dividend?
Yes. At today's price the dividend is 3.3% a year, about 31% of its yearly profit. In 2025 it paid out $24.2 million in dividends.
Is First Financial stock halal?
No. First Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has First Financial stock done over the past year?
Up 36.3% over the past twelve months, to $77.11. It traded between $54.96 and $82.79 and is 6.9% below its high.
Who are First Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with First Financial's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.