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First Financial Valuation Multiples
Discover revenue and EBITDA valuation multiples for First Financial and similar public comparables like Capital City Bank Group, Capricorn Group, Trustco Bank, Ecobank Transnational and more.
First Financial Overview
About First Financial
First Financial Corp operates as a financial holding company, which is engaged in the provision of financial services in the United States. The company offers a wide variety of financial services including commercial, mortgage, and consumer lending, lease financing, trust account services, depositor services and insurance services, through its subsidiaries. Its primary source of revenue is derived from loans to customers and investment activities.
Founded
1984
HQ
Employees
937
Website
Sectors
Financials (LTM)
EV
$991M
First Financial Financials
First Financial reported last 12-month revenue of $270M.
In the same LTM period, First Financial generated $81M in net income.
Revenue (LTM)
First Financial P&L
In the most recent fiscal year, First Financial reported revenue of $262M and net income of $79M.
First Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $270M | XXX | $262M | XXX | XXX | XXX |
| EBIT Margin | 44% | XXX | 45% | XXX | XXX | XXX |
| Net Profit | $81M | XXX | $79M | XXX | XXX | XXX |
| Net Margin | 30% | XXX | 30% | XXX | XXX | XXX |
| Net Debt | — | — | $58M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
First Financial Stock Performance
First Financial has current market cap of $803M, and enterprise value of $991M.
Market Cap Evolution
First Financial's stock price is $67.49.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $991M | $803M | 1.6% | XXX | XXX | XXX | $6.66 |
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Start Free TrialFirst Financial Valuation Multiples
First Financial trades at 3.7x EV/Revenue multiple.
EV / Revenue (LTM)
First Financial Financial Valuation Multiples
As of April 11, 2026, First Financial has market cap of $803M and EV of $991M.
Equity research analysts estimate First Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
First Financial has a P/E ratio of 9.9x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $803M | XXX | $803M | XXX | XXX | XXX |
| EV (current) | $991M | XXX | $991M | XXX | XXX | XXX |
| EV/Revenue | 3.7x | XXX | 3.8x | XXX | XXX | XXX |
| EV/EBIT | 8.3x | XXX | 8.4x | XXX | XXX | XXX |
| P/E | 9.9x | XXX | 10.1x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 11.5x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified First Financial Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
First Financial Margins & Growth Rates
First Financial's revenue in the last 12 month grew by 10%.
First Financial's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged $0.2M for the same period.
First Financial Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 10% | XXX | 12% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.2M | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 31% | XXX | XXX | XXX |
| Opex to Revenue | 58% | XXX | 59% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
First Financial Public Comps
See public comps and valuation multiples for other Commercial Banking comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Capital City Bank Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Capricorn Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Trustco Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Ecobank Transnational | XXX | XXX | XXX | XXX | XXX | XXX |
| Eagle Bancorp | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
First Financial M&A Activity
First Financial acquired XXX companies to date.
Last acquisition by First Financial was on XXXXXXXX, XXXXX. First Financial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by First Financial
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialFirst Financial Investment Activity
First Financial invested in XXX companies to date.
First Financial made its latest investment on XXXXXXXX, XXXXX. First Financial invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by First Financial
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout First Financial
| When was First Financial founded? | First Financial was founded in 1984. |
| Where is First Financial headquartered? | First Financial is headquartered in United States. |
| How many employees does First Financial have? | As of today, First Financial has over 937 employees. |
| Who is the CEO of First Financial? | First Financial's CEO is Norman D. Lowery. |
| Is First Financial publicly listed? | Yes, First Financial is a public company listed on Nasdaq. |
| What is the stock symbol of First Financial? | First Financial trades under THFF ticker. |
| When did First Financial go public? | First Financial went public in 1992. |
| Who are competitors of First Financial? | First Financial main competitors are Capital City Bank Group, Capricorn Group, Trustco Bank, Ecobank Transnational. |
| What is the current market cap of First Financial? | First Financial's current market cap is $803M. |
| What is the current revenue of First Financial? | First Financial's last 12 months revenue is $270M. |
| What is the current revenue growth of First Financial? | First Financial revenue growth (NTM/LTM) is 10%. |
| What is the current EV/Revenue multiple of First Financial? | Current revenue multiple of First Financial is 3.7x. |
| Is First Financial profitable? | Yes, First Financial is net-income-positive (as of the last 12 months). |
| What is the current net income of First Financial? | First Financial's last 12 months net income is $81M. |
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