SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
First Financial Corporation (THFF) trades at a trailing P/E of 9.9, forward P/E of 9.3. Trailing earnings yield is 10.11%, forward earnings yield 10.75%. PEG 0.15 (Peter Lynch undervalued ≤1.0). Graham Number is $90.86.
Criteria proven by this page:
- VALUE (48/100, Partial) — mixed signals — some valuation metrics are favorable while others are stretched.
- Forward P/E 9.3 (down from trailing 9.9) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.15 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 10.11% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 10.75% as earnings recover.
- Analyst consensus target $50.00 (-25.1% downside) — analysts see meaningful downside risk at the current price level.
Overall SharesGrow Score: 61/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
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VALUE
48/100
Price-to-Earnings & upside
Proven by this page
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HEALTH
50/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — THFF
Valuation Multiples
P/E (TTM)9.9
Forward P/E9.3
PEG Ratio0.15
Forward PEG1.26
P/B Ratio1.20
P/S Ratio2.41
EV/EBITDA10.5
Per Share Data
EPS (TTM)$6.68
Forward EPS (Est.)$7.18
Book Value / Share$54.91
Revenue / Share$27.54
FCF / Share$7.44
Yields & Fair Value
Earnings Yield10.11%
Forward Earnings Yield10.75%
Dividend Yield3.24%
Graham Number$90.86
SharesGrow IV$154.89 (+132.1%)
Analyst Target$50.00 (-25.1%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
16.9 |
0.52 |
1.57 |
4.16 |
1.90% |
| 2017 |
19.0 |
-0.80 |
1.34 |
3.69 |
5.51% |
| 2018 |
10.6 |
0.18 |
1.11 |
2.99 |
2.54% |
| 2019 |
12.0 |
0.00 |
1.05 |
3.14 |
2.15% |
| 2020 |
9.9 |
2.89 |
0.89 |
2.63 |
2.68% |
| 2021 |
11.3 |
4.92 |
1.03 |
3.07 |
2.37% |
| 2022 |
7.9 |
0.18 |
1.18 |
2.45 |
2.57% |
| 2023 |
8.5 |
-0.67 |
0.97 |
1.89 |
2.99% |
| 2024 |
11.5 |
-0.54 |
0.99 |
1.77 |
3.89% |
| 2025 |
9.0 |
0.13 |
1.10 |
2.19 |
3.37% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$3.12 |
$156.31M |
$38.41M |
24.6% |
| 2017 |
$2.38 |
$150.13M |
$29.13M |
19.4% |
| 2018 |
$3.80 |
$164.43M |
$46.58M |
28.3% |
| 2019 |
$3.80 |
$187.57M |
$48.87M |
26.1% |
| 2020 |
$3.93 |
$202.96M |
$53.84M |
26.5% |
| 2021 |
$4.02 |
$194.28M |
$52.99M |
27.3% |
| 2022 |
$5.82 |
$230.02M |
$71.11M |
30.9% |
| 2023 |
$5.08 |
$271.1M |
$60.67M |
22.4% |
| 2024 |
$4.00 |
$307.51M |
$47.28M |
15.4% |
| 2025 |
$6.68 |
$326.44M |
$79.21M |
24.3% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$7.21 |
$7.13 – $7.29 |
$293.07M |
$293.07M – $293.07M |
2 |
| 2027 |
$7.44 |
$7.43 – $7.44 |
$303.47M |
$303.47M – $303.47M |
2 |
