First Financial Corporation (THFF)

First Financial Corporation (THFF) — VMCI valuation read

First Financial Corporation sits at VMCI 59/100, with the Financial Services sector median at 50. That 9-point spread is the first thing to note on THFF: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.

Form 4 disclosures on THFF are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.

**Investor frame.** The Value read on THFF: THFF trades at 26.0x earnings, 44% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 8.0% trails the Financial Services median (10.0%) by 2.0pp. The Risk read: net debt to EBITDA of 1.1x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.

THFF fell 3.4% over the trailing 7 days, with a -21.0% read on a 30-day basis.