THFF PEER ANALYSIS

First Financial Corporation Indiana — metric-by-metric comparison with peers and the industry median

THFFFirst Financial Corporation Indiana

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

THFFIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	THFF	LLOY	SKBNK	NWG	TSKB	LB	Ind. Median
P/E	11.36	13.38	20.06	9.16	2.96●	116.44	12.88
P/B	1.40	1.41	3.18	1.41	0.71	0.68●	1.29
EV/EBITDA	14.04	14.82	1.78	-8.43●	2.21	306.37	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	THFF	LLOY	SKBNK	NWG	TSKB	LB	Ind. Median
Current Ratio	0.36●	0.12	—	0.25	—	0.01	0.31
Debt/Equity	85.2%	209.8%	0.0%●	17.0%	0.0%●	744.5%	38.0%
NetDebt/EBITDA	4.71	5.39	-13.41	-14.68●	-0.47	280.57	-0.58

Profitability
Metric	THFF	LLOY	SKBNK	NWG	TSKB	LB	Ind. Median
Net Margin	25.1%	25.9%	14.2%	20.1%	54.9%●	1.4%	20.6%
ROE	13.1%	10.6%	17.5%	14.9%	27.4%●	1.0%	10.9%
ROA	1.4%	0.5%	1.2%	0.8%	3.7%●	0.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	THFF	LLOY	SKBNK	NWG	TSKB	LB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	47.2%●	16.2%	8.1%	16.0%	-1.3%	-80.9%	19.4%
Div. Yield	2.7%	3.2%	—	4.8%●	—	4.7%	2.5%
Payout	30.7%	—	—	—	—	335.1%	31.4%

Valuation
Metric	THFF	CAC	EQBK	GSBC	HAFC	TRST	Ind. Median
P/E	11.36●	11.61	38.35	12.23	11.96	15.44	12.88
P/B	1.40	1.30	1.16●	1.38	1.21	1.45	1.29
EV/EBITDA	14.04	16.69	-2.98●	15.19	6.43	11.65	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	THFF	CAC	EQBK	GSBC	HAFC	TRST	Ind. Median
Current Ratio	0.36	0.16	0.26	0.24	0.06	0.49●	0.31
Debt/Equity	85.2%	84.9%	59.3%	84.2%	16.3%●	22.2%	38.0%
NetDebt/EBITDA	4.71	6.15	-13.51●	5.03	-2.59	1.14	-0.58

Profitability
Metric	THFF	CAC	EQBK	GSBC	HAFC	TRST	Ind. Median
Net Margin	25.1%●	22.3%	7.1%	21.7%	18.4%	22.4%	20.6%
ROE	13.1%●	11.8%	3.4%	11.4%	10.4%	9.3%	10.9%
ROA	1.4%●	1.1%	0.4%	1.2%	1.0%	1.0%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	THFF	CAC	EQBK	GSBC	HAFC	TRST	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	47.2%	69.4%●	-61.2%	8.7%	25.1%	23.9%	19.4%
Div. Yield	2.7%	3.0%	1.4%	2.1%	3.3%●	2.7%	2.5%
Payout	30.7%	35.8%	49.6%	26.4%	40.6%	43.6%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.