InsiderClue
Stocks · Financials · State Commercial Banks

FIRST FINANCIAL CORP /IN/

THFF Clue Score68
United States Fiscal year ends December CIK 0000714562
$72.79 -1.52% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $72.79 +70.15% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income38.4Fiscal year 2017Net income29.1 −24.2%Fiscal year 2018Net income46.6 +59.9%Fiscal year 2019Net income48.9 +4.9%Fiscal year 2020Net income53.8 +10.2%EPS, diluted3.93Fiscal year 2021Net income53.0 −1.6%EPS, diluted4.02 +2.3%Fiscal year 2022Net income71.1 +34.2%EPS, diluted5.82 +44.8%Fiscal year 2023Net income60.7 −14.7%EPS, diluted5.08 −12.7%Fiscal year 2024Net income47.3 −22.1%EPS, diluted4.00 −21.3%Fiscal year 2025Net income79.2 +67.5%EPS, diluted6.68 +67.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 38.4 29.1 46.6 48.9 53.8 53.0 71.1 60.7 47.3 79.2
Growth −24.2% +59.9% +4.9% +10.2% −1.6% +34.2% −14.7% −22.1% +67.5%
EPS, diluted n/a n/a n/a n/a 3.93 4.02 5.82 5.08 4.00 6.68
Growth +2.3% +44.8% −12.7% −21.3% +67.0%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow41.2Capital expenditure−3.0Free cash flow38.1Buybacks−19.4Dividends paid−12.4Fiscal year 2017Operating cash flow50.1Capital expenditure−3.0Free cash flow47.2 +23.6%Buybacks−0.5Dividends paid−30.6Fiscal year 2018Operating cash flow57.4Capital expenditure−2.0Free cash flow55.4 +17.6%Buybacks−0.4Dividends paid−12.5Fiscal year 2019Operating cash flow49.9Capital expenditure−1.1Free cash flow48.8 −12.0%Buybacks−0.3Dividends paid−12.6Fiscal year 2020Operating cash flow77.4Capital expenditure−3.9Free cash flow73.5 +50.7%Buybacks−9.2Dividends paid−14.3Fiscal year 2021Operating cash flow55.1Capital expenditure−3.8Free cash flow51.2 −30.3%Buybacks−42.5Dividends paid−14.2Fiscal year 2022Operating cash flow78.8Capital expenditure−1.4Free cash flow77.4 +51.0%Buybacks−27.7Dividends paid−14.5Fiscal year 2023Operating cash flow86.1Capital expenditure−6.5Free cash flow79.5 +2.8%Buybacks−11.5Dividends paid−15.4Fiscal year 2024Operating cash flow60.4Capital expenditure−6.1Free cash flow54.3 −31.8%Buybacks−0.4Dividends paid−21.2Fiscal year 2025Operating cash flow90.4Capital expenditure−4.0Free cash flow86.4 +59.3%Buybacks−0.8Dividends paid−24.2
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 41.2 50.1 57.4 49.9 77.4 55.1 78.8 86.1 60.4 90.4
Capital expenditure −3.0 −3.0 −2.0 −1.1 −3.9 −3.8 −1.4 −6.5 −6.1 −4.0
Free cash flow 38.1 47.2 55.4 48.8 73.5 51.2 77.4 79.5 54.3 86.4
Growth +23.6% +17.6% −12.0% +50.7% −30.3% +51.0% +2.8% −31.8% +59.3%
Buybacks −19.4 −0.5 −0.4 −0.3 −9.2 −42.5 −27.7 −11.5 −0.4 −0.8
Dividends paid −12.4 −30.6 −12.5 −12.6 −14.3 −14.2 −14.5 −15.4 −21.2 −24.2

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash75.0Total debt0.1Net cash (debt)74.9Shareholders’ equity414.4Debt to equity0.00Fiscal year 2017Cash74.1Total debt0.0Net cash (debt)74.1Shareholders’ equity413.6Debt to equity0.00Fiscal year 2018Cash74.4Total debt0.0Net cash (debt)74.4Shareholders’ equity442.7Debt to equity0.00Fiscal year 2019Cash127.4Total debt0.0Net cash (debt)127.4Shareholders’ equity547.1Debt to equity0.00Fiscal year 2020Cash657.5Total debt0.0Net cash (debt)657.5Shareholders’ equity597.0Debt to equity0.00Fiscal year 2021Cash688.0Total debt15.9Net cash (debt)672.1Shareholders’ equity582.6Debt to equity0.03Fiscal year 2022Cash222.5Total debt9.6Net cash (debt)212.9Shareholders’ equity475.3Debt to equity0.02Fiscal year 2023Cash76.8Total debt108.6Net cash (debt)−31.8Shareholders’ equity528.0Debt to equity0.21Fiscal year 2024Cash93.5Total debt28.1Net cash (debt)65.4Shareholders’ equity549.0Debt to equity0.05Fiscal year 2025Cash130.4Total debt188.2Net cash (debt)−57.8Shareholders’ equity650.9Debt to equity0.29
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 75.0 74.1 74.4 127.4 657.5 688.0 222.5 76.8 93.5 130.4
Total debt 0.1 0.0 0.0 0.0 0.0 15.9 9.6 108.6 28.1 188.2
Net cash (debt) 74.9 74.1 74.4 127.4 657.5 672.1 212.9 −31.8 65.4 −57.8
Shareholders’ equity 414.4 413.6 442.7 547.1 597.0 582.6 475.3 528.0 549.0 650.9
Debt to equity 0.00 0.00 0.00 0.00 0.00 0.03 0.02 0.21 0.05 0.29

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Cash flow

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Operations
41.2 50.1 57.4 49.9 77.4 55.1 78.8 86.1 60.4 90.4
Growth +21.7% +14.6% −13.1% +55.2% −28.9% +43.1% +9.3% −29.9% +49.8%
5.0 4.4 4.2 4.8 6.1 6.2 6.1 6.5 9.9 12.2
Investment
−3.0 −3.0 −2.0 −1.1 −3.9 −3.8 −1.4 −6.5 −6.1 −4.0
calc 38.1 47.2 55.4 48.8 73.5 51.2 77.4 79.5 54.3 86.4
Growth +23.6% +17.6% −12.0% +50.7% −30.3% +51.0% +2.8% −31.8% +59.3%
calc n/a n/a n/a n/a 5.36 3.88 6.34 6.66 4.59 7.29
n/a −26.7 −34.3 −32.9 −16.2 −312.2 −433.7 −22.1 −66.1 −126.2
Financing
n/a −24.4 −22.8 36.0 468.9 287.6 −110.6 −209.8 22.5 72.6
−12.4 −30.6 −12.5 −12.6 −14.3 −14.2 −14.5 −15.4 −21.2 −24.2
−19.4 −0.5 −0.4 −0.3 −9.2 −42.5 −27.7 −11.5 −0.4 −0.8

Lines marked calc are worked out here from filed figures; point at one for how. Capital expenditure, dividends and buybacks are shown as money out, so negative.