THFFFIRST FINANCIAL CORP /IN/
State Commercial Banks
- Revenue
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- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
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- $231M net debt
- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear114% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear28% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $53M | $71M | $61M | $47M | $79M | 68% |
| Operating cash flow | $55M | $79M | $86M | $60M | $90M | 50% |
| Capex | $4M | $1M | $7M | $6M | $4M | 35% |
| Stock-based comp | $807K | $0 | $0 | $0 | $0 | |
| Buybacks | $42M | $28M | $12M | $376K | $795K | 111% |
| Dividends | $14M | $14M | $15M | $21M | $24M | 14% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $6K · 1
- Open-market sells, 12 mo
- $0 · 0
- Net
- $6K
Pay vs performance
No pay-versus-performance disclosure yet.