First Financial Financial Ratios
NASDAQ: THFFFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
First Financial ratio analysis
First Financial earned a net margin of 30.3% in FY 2025, up from 21.7% a year earlier. Return on equity reached 12.2%, meaning First Financial generated 0.12 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.29 versus 0.05 the year before.
At the end of FY 2025, THFF traded at 8.9 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 7.9 to 19.1, with a median of 11.3. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
First Financial financial ratios (annual)
| Ratio | FY 2025 | FY 2023 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 8.91 | 11.37 | 8.47 | 7.92 | 11.27 | 9.89 | 11.90 | 11.32 | 19.05 | 16.92 |
| Price / sales | 2.69 | 2.47 | 2.45 | 2.66 | 3.22 | 2.82 | 3.42 | 3.41 | 3.86 | 4.28 |
| Price / book | 1.08 | 0.98 | 0.97 | 1.18 | 1.03 | 0.89 | 1.06 | 1.19 | 1.34 | 1.57 |
| Net margin | 30.3% | 21.7% | 28.9% | 33.6% | 28.6% | 28.5% | 28.7% | 30.1% | 20.3% | 25.3% |
| Free cash flow margin | 33.0% | 24.9% | 37.9% | 36.5% | 27.6% | 38.9% | 28.7% | 35.8% | 32.8% | 25.1% |
| Return on equity (ROE) | 12.2% | 8.6% | 11.5% | 15.0% | 9.1% | 9.0% | 8.9% | 10.5% | 7.0% | 9.3% |
| Return on assets (ROA) | 1.4% | 0.9% | 1.3% | 1.4% | 1.0% | 1.2% | 1.2% | 1.5% | 1.0% | 1.3% |
| Debt / equity | 0.29 | 0.05 | 0.21 | 0.02 | 0.19 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Revenue growth | 20.2% | 3.7% | -0.8% | 14.2% | -1.8% | 11.0% | 9.9% | 7.6% | -5.3% | 5.7% |
| EPS growth | 67.0% | -21.3% | -12.7% | 44.8% | 2.3% | 3.4% | 0.0% | 59.7% | -23.7% | 32.8% |