First Financial (THFF) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), First Financial had a P/E ratio of 9.04 (down from 11.54), return on equity of 13.2% (up from 8.8%), debt-to-equity of 0.75 (up from 0.40) and return on assets of 1.4% (up from 0.9%). Its dividend yield was 3.57% with a payout ratio of 30.5%.

First Financial Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	9.04	11.54	8.34	7.79	11.00	9.89
Forward P/E	9.05	9.08	9.79	8.62	11.34	12.57
P/S Ratio	2.82	2.71	2.50	2.54	3.19	2.99
P/B Ratio	1.10	0.99	0.96	1.17	1.00	0.89
Price/Tangible Book	1.33	1.28	1.16	1.45	1.19	1.05
Price/FCF	8.29	10.05	6.36	7.16	11.38	7.25
Price/OCF	7.92	9.04	5.88	7.03	10.59	6.88
PEG Ratio	4.50	4.50	4.50	4.50	4.50	4.50
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	13.20%	8.78%	12.10%	13.44%	8.98%	9.33%
Return on Assets (ROA)	1.40%	0.91%	1.23%	1.40%	1.09%	1.25%
Leverage & Solvency Ratios
Debt/Equity	0.75	0.40	0.34	0.17	0.19	0.20
Debt/FCF	5.68	4.02	2.25	1.08	2.13	1.66
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	11.06%	8.67%	12.00%	12.84%	9.09%	10.11%
FCF Yield	12.07%	9.95%	15.73%	13.97%	8.79%	13.80%
Dividend Yield	3.57%	4.33%	2.56%	2.72%	2.79%	3.23%
Payout Ratio	30.51%	44.95%	25.35%	20.33%	26.76%	26.51%
Buyback Yield	-0.34%	1.05%	2.24%	7.42%	3.84%	-6.61%
Total Return	3.24%	5.38%	4.81%	10.14%	6.63%	-3.39%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About First Financial Financial Ratios

What is First Financial's P/E ratio?

First Financial's P/E ratio was 9.04 for fiscal 2025 (period ended Dec 31, 2025). It was 11.54 a year earlier.

What is First Financial's return on equity?

First Financial's return on equity (ROE) was 13.2% for fiscal 2025 (period ended Dec 31, 2025). It was 8.8% a year earlier.

What is First Financial's debt-to-equity ratio?

First Financial's debt-to-equity ratio was 0.75 for fiscal 2025 (period ended Dec 31, 2025). It was 0.40 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition