$68.58

-0.75 (-1.08%)

Weekly Expected Move ±3.2%

$61 $63 $65 $67 $69

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 65 · $815.5M mcap · 11M float · 0.708% daily turnover · Short 63% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

51.0 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: -48.3%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. THFF shows a Weak competitive edge (51.0/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. Negative ROIC of -48.3% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Analyst Recommendations

Strong Buy: 0Buy: 1Hold: 3Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2022-05-02	Raymond James	—	$49	$50	+1	+17.3%	$42.62
2022-04-12	Raymond James	David Long	Initiated	$49	—	+14.9%	$42.65

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. THFF receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (4/5), ROA (4/5). Areas of concern: D/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-18	A-	B+
2026-04-16	A	A-
2026-04-02	A-	A
2026-04-01	B+	A-
2026-02-20	A-	B+
2026-02-09	B+	A-
2026-02-04	A-	B+
2026-01-03	B+	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 59 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. THFF scores highest in Value (95/100) and lowest in Growth (56/100). An overall grade of A places THFF among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

3.85

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✗

Beneish M-Score

-2.69

Unlikely Manipulator

Ohlson O-Score

-5.52

Bankruptcy prob: 0.4%

Low Risk

Credit Rating

Score: 88.0/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.14x

Accruals: -0.2%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. THFF scores 3.85, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. THFF scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. THFF's score of -2.69 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. THFF's implied 0.4% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. THFF receives an estimated rating of AA (score: 88.0/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). THFF's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

10.11x

PEG

0.22x

P/S

2.54x

P/B

1.24x

P/FCF

8.21x

P/OCF

8.09x

EV/EBITDA

-0.58x

EV/Revenue

-0.17x

EV/EBIT

-0.61x

EV/FCF

-0.60x

Earnings Yield

10.83%

FCF Yield

12.18%

Shareholder Yield

3.37%

Graham Number

$91.42

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 10.1x earnings, THFF trades at a reasonable valuation. An earnings yield of 10.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $91.42 per share, suggesting a potential 33% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.804

NI / EBT

Interest Burden

1.126

EBT / EBIT

EBIT Margin

0.278

EBIT / Rev

Asset Turnover

0.057

Rev / Assets

Equity Multiplier

9.431

Assets / Equity

ROE

13.4%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. THFF's ROE of 13.4% is driven by financial leverage (equity multiplier: 9.43x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

7.32%

Fair P/E

23.14x

Intrinsic Value

$156.91

Price/Value

0.40x

Margin of Safety

60.08%

Premium

-60.08%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with THFF's realized 7.3% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $156.91, THFF appears undervalued with a 60% margin of safety. The adjusted fair P/E of 23.1x compares to the current market P/E of 10.1x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$68.58

Median 1Y

$72.10

5th Pctile

$43.06

95th Pctile

$120.72

Ann. Volatility

30.8%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Norman D. Lowery, Chief Executive Officer, First Financial Bank, N.A. and	$675,350	$523,503	$2,395,725
First Financial Corporation Rodger A. McHargue, Chief Financial Officer, First Financial Bank, N.A. and	$378,840	$165,412	$885,295
Mark A. Franklin, Chief Lending Officer, First Financial Bank, N.A. and First Financial Corporation	$308,509	$119,677	$598,902
Stephen P. Panagouleas, Chief Credit Officer, First Financial Bank, N.A. and First Financial Corporation	$306,700	$59,450	$529,372

CEO Pay Ratio

22:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,395,725

Avg Employee Cost (SGA/emp): $107,939

Employees: 946

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

946

+1.0% YoY

Revenue / Employee

$345,078

Rev: $326,444,000

Profit / Employee

$83,729

NI: $79,208,000

SGA / Employee

$107,939

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	10.3%	10.6%	9.0%	10.3%	10.2%	10.5%	13.4%	12.5%	12.6%	12.2%	12.1%	11.1%	10.2%	8.7%	8.8%	10.2%	11.5%	13.7%	13.2%	13.4%	13.44%
ROA	1.4%	1.4%	1.1%	1.3%	1.2%	1.3%	1.4%	1.3%	1.3%	1.3%	1.2%	1.1%	1.0%	0.9%	0.9%	1.1%	1.2%	1.4%	1.4%	1.4%	1.42%
ROIC	-6.2%	-6.4%	-3.9%	-4.5%	-4.4%	-4.6%	-7.1%	-6.6%	-6.7%	-6.5%	-9.6%	-8.8%	-8.1%	-6.9%	-84.0%	-97.3%	-1.1%	-1.3%	-53.4%	-48.3%	-48.26%
ROCE	10.5%	11.0%	9.8%	11.3%	11.1%	11.5%	16.0%	14.7%	14.7%	14.1%	10.4%	9.5%	8.7%	7.4%	8.7%	10.4%	11.8%	14.1%	1.8%	1.6%	1.63%
Gross Margin	1.0%	98.7%	84.5%	1.1%	93.5%	89.7%	82.1%	81.0%	76.2%	73.3%	69.1%	67.6%	65.4%	59.1%	70.3%	72.5%	72.3%	72.7%	96.6%	73.0%	73.04%
Operating Margin	42.5%	40.9%	17.3%	50.1%	36.1%	37.6%	30.3%	30.6%	29.2%	27.5%	20.1%	19.1%	19.2%	12.6%	23.5%	28.5%	27.0%	29.3%	38.3%	17.3%	17.32%
Net Margin	34.0%	32.7%	14.9%	39.2%	29.2%	29.9%	26.3%	24.9%	24.0%	23.1%	17.7%	15.9%	16.1%	10.5%	19.1%	22.0%	22.0%	23.6%	30.4%	25.4%	25.41%
EBITDA Margin	45.8%	44.0%	20.3%	53.0%	39.1%	40.1%	32.7%	33.0%	31.7%	29.8%	22.5%	21.5%	21.6%	16.6%	27.4%	32.4%	30.8%	32.3%	38.3%	17.3%	17.32%
FCF Margin	30.0%	31.7%	26.4%	28.2%	28.5%	29.0%	31.7%	30.9%	30.0%	31.7%	29.3%	25.6%	23.3%	19.9%	17.6%	19.6%	19.8%	22.1%	27.3%	28.3%	28.25%
OCF Margin	32.6%	34.1%	28.3%	30.1%	29.2%	29.7%	32.3%	32.2%	31.3%	33.4%	31.8%	27.1%	24.9%	22.0%	19.6%	21.4%	21.7%	22.4%	27.7%	28.7%	28.66%
ROE 3Y Avg	snapshot only																				10.96%
ROE 5Y Avg	snapshot only																				11.46%
ROA 3Y Avg	snapshot only																				1.18%
ROIC Economic	snapshot only																				6.36%
Cash ROA	snapshot only																				1.60%
NOPAT Margin	snapshot only																				22.31%
Pretax Margin	snapshot only																				31.26%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				38.33%
SBC / Revenue	snapshot only																				0.74%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	8.01	7.74	9.49	7.81	8.08	7.80	7.00	6.18	5.39	5.71	7.86	7.64	8.02	11.33	11.08	10.29	10.17	8.96	8.96	9.24	10.112
P/S Ratio	2.37	2.40	2.59	2.37	2.36	2.23	2.16	1.70	1.41	1.40	1.76	1.54	1.46	1.68	1.70	1.75	1.88	1.94	2.17	2.32	2.542
P/B Ratio	0.79	0.79	0.86	0.82	0.83	0.83	1.05	0.86	0.75	0.78	0.90	0.80	0.78	0.93	0.95	1.03	1.15	1.21	1.09	1.14	1.244
P/FCF	7.91	7.56	9.81	8.43	8.29	7.68	6.83	5.49	4.70	4.42	5.99	6.03	6.26	8.48	9.66	8.90	9.49	8.78	7.95	8.21	8.213
P/OCF	7.28	7.03	9.13	7.89	8.06	7.50	6.70	5.27	4.52	4.19	5.54	5.68	5.88	7.64	8.68	8.17	8.64	8.66	7.85	8.09	8.095
EV/EBITDA	-13.68	-13.11	-19.92	-17.67	-17.88	-17.36	-10.39	-12.26	-12.80	-13.16	-8.65	-10.12	-11.26	-11.23	-1.21	-0.53	0.28	0.55	-0.83	-0.58	-0.577
EV/Revenue	-5.38	-5.44	-7.36	-7.24	-7.03	-6.68	-4.24	-4.42	-4.39	-4.18	-2.52	-2.67	-2.68	-2.28	-0.26	-0.13	0.07	0.17	-0.27	-0.17	-0.171
EV/EBIT	-14.86	-14.19	-21.78	-19.08	-19.34	-18.73	-11.11	-13.20	-13.79	-14.25	-9.43	-11.13	-12.49	-13.03	-1.42	-0.62	0.33	0.62	-0.90	-0.61	-0.615
EV/FCF	-17.92	-17.14	-27.90	-25.71	-24.72	-23.00	-13.39	-14.29	-14.61	-13.18	-8.59	-10.43	-11.49	-11.50	-1.50	-0.66	0.38	0.76	-1.01	-0.60	-0.604
Earnings Yield	12.5%	12.9%	10.5%	12.8%	12.4%	12.8%	14.3%	16.2%	18.6%	17.5%	12.7%	13.1%	12.5%	8.8%	9.0%	9.7%	9.8%	11.2%	11.2%	10.8%	10.83%
FCF Yield	12.7%	13.2%	10.2%	11.9%	12.1%	13.0%	14.6%	18.2%	21.3%	22.6%	16.7%	16.6%	16.0%	11.8%	10.4%	11.2%	10.5%	11.4%	12.6%	12.2%	12.18%
PEG Ratio	snapshot only																				0.216
Price/Tangible Book	snapshot only																				1.388
EV/OCF	snapshot only																				-0.595
EV/Gross Profit	snapshot only																				-0.219
Acquirers Multiple	snapshot only																				-0.615
Shareholder Yield	snapshot only																				3.37%
Graham Number	snapshot only																				$91.42

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.44	0.44	0.46	0.46	0.46	0.46	0.35	0.35	0.35	0.35	0.33	0.33	0.33	0.33	0.17	0.17	0.17	0.17	4.47	4.47	4.471
Quick Ratio	0.44	0.44	0.46	0.46	0.46	0.46	0.35	0.35	0.35	0.35	0.33	0.33	0.33	0.33	0.17	0.17	0.17	0.17	4.47	4.47	4.471
Debt/Equity	0.21	0.21	0.20	0.20	0.20	0.20	0.17	0.17	0.17	0.17	0.33	0.33	0.33	0.33	0.39	0.39	0.39	0.39	0.74	0.74	0.739
Net Debt/Equity	-2.60	-2.60	-3.32	-3.32	-3.32	-3.32	-3.10	-3.10	-3.10	-3.10	-2.20	-2.20	-2.20	-2.20	-1.10	-1.10	-1.10	-1.10	-1.23	-1.23	-1.228
Debt/Assets	0.03	0.03	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.08	0.08	0.084
Debt/EBITDA	1.62	1.56	1.61	1.40	1.43	1.38	0.86	0.93	0.92	0.96	2.22	2.42	2.64	2.96	3.21	2.71	2.39	2.05	4.43	5.06	5.063
Net Debt/EBITDA	-19.71	-18.89	-26.92	-23.46	-23.88	-23.16	-15.69	-16.97	-16.92	-17.57	-14.68	-15.97	-17.39	-19.50	-9.02	-7.63	-6.71	-5.78	-7.37	-8.42	-8.419
Interest Coverage	6.95	7.97	7.46	9.30	8.61	6.60	4.81	3.01	2.12	1.53	1.19	0.93	0.76	0.60	0.64	0.75	0.85	1.05	1.31	1.18	1.176
Equity Multiplier	7.64	7.64	8.88	8.88	8.88	8.88	10.50	10.50	10.50	10.50	9.19	9.19	9.19	9.19	10.13	10.13	10.13	10.13	8.84	8.84	8.844
Cash Ratio	snapshot only																				4.376
Debt Service Coverage	snapshot only																				1.253
Cash to Debt	snapshot only																				2.663
FCF to Debt	snapshot only																				0.189
Defensive Interval	snapshot only																				2966.4 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.06	0.06	0.057
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	11.27	11.15	11.46	11.86	12.13	12.79	12.03	12.59	13.28	13.80	11.74	11.95	12.12	12.67	11.87	12.44	12.97	13.16	11.94	11.73	11.732
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	32	33	32	31	30	29	30	29	27	26	31	31	30	29	31	29	28	28	31	31	31.1 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	32	33	32	31	30	29	30	29	27	26	31	31	30	29	31	29	28	28	31	31	—
Fixed Asset Turnover	snapshot only																				4.083
Cash Velocity	snapshot only																				0.251
Capital Intensity	snapshot only																				17.940

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	-1.5%	-3.4%	-4.3%	1.0%	2.9%	9.6%	18.4%	19.7%	23.4%	21.7%	17.9%	14.6%	10.2%	10.8%	13.4%	16.8%	20.1%	16.6%	6.2%	-0.4%	-0.43%
Net Income	16.8%	16.9%	-1.6%	11.9%	1.4%	1.1%	34.2%	8.4%	10.8%	4.5%	-14.7%	-15.9%	-23.4%	-32.9%	-22.1%	-1.5%	21.5%	70.3%	67.5%	47.2%	47.21%
EPS	19.4%	23.1%	5.3%	20.8%	11.0%	9.4%	41.6%	12.7%	12.9%	5.6%	-13.3%	-14.1%	-22.0%	-32.4%	-21.2%	-1.9%	21.1%	69.7%	66.9%	46.7%	46.67%
FCF	2.1%	4.1%	-30.3%	-10.0%	-2.5%	0.3%	42.2%	31.5%	30.3%	32.9%	9.2%	-5.3%	-14.3%	-30.6%	-31.8%	-10.3%	1.7%	29.9%	64.4%	43.3%	43.26%
EBITDA	13.9%	14.8%	0.2%	13.3%	2.9%	1.7%	30.8%	5.3%	7.6%	0.4%	-15.8%	-16.3%	-23.4%	-29.0%	-15.1%	9.2%	35.1%	76.2%	61.6%	19.6%	19.64%
Op. Income	14.3%	16.3%	0.1%	14.7%	3.3%	2.0%	33.8%	5.7%	8.0%	0.1%	-17.4%	-18.1%	-25.6%	-33.8%	-21.2%	2.7%	28.2%	80.3%	73.8%	31.4%	31.39%
OCF Growth	snapshot only																				33.31%
Asset Growth	snapshot only																				3.52%
Equity Growth	snapshot only																				18.55%
Debt Growth	snapshot only																				1.23%
Shares Change	snapshot only																				0.36%
Dividend Growth	snapshot only																				12.77%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	8.1%	7.0%	5.7%	6.3%	7.8%	7.7%	7.0%	6.8%	7.8%	8.8%	10.1%	11.5%	11.9%	13.9%	16.5%	17.0%	17.8%	16.3%	12.4%	10.1%	10.05%
Revenue 5Y	4.7%	4.8%	4.4%	6.7%	7.0%	7.9%	8.9%	10.1%	9.9%	10.3%	10.5%	10.5%	11.2%	11.0%	10.4%	10.2%	10.6%	10.7%	10.0%	10.0%	10.01%
EPS 3Y	15.0%	14.8%	2.9%	8.1%	10.5%	14.1%	18.1%	13.6%	14.4%	12.5%	8.9%	5.3%	-0.8%	-7.9%	-1.1%	-1.7%	2.2%	6.6%	4.5%	7.3%	7.32%
EPS 5Y	7.6%	9.1%	5.6%	11.8%	11.8%	12.6%	19.7%	18.5%	13.7%	11.8%	6.0%	4.1%	3.5%	1.2%	2.4%	4.3%	7.2%	10.3%	11.2%	11.0%	10.97%
Net Income 3Y	18.5%	17.2%	4.4%	8.9%	10.4%	10.8%	13.3%	8.8%	9.5%	7.3%	4.1%	0.7%	-4.9%	-10.8%	-3.7%	-3.6%	1.1%	6.1%	3.7%	6.8%	6.80%
Net Income 5Y	9.6%	10.5%	6.6%	12.3%	11.9%	12.2%	19.5%	18.2%	13.3%	11.2%	5.4%	3.3%	2.7%	-0.9%	-0.7%	1.3%	4.1%	7.1%	8.0%	8.1%	8.13%
EBITDA 3Y	9.7%	10.2%	5.0%	9.4%	11.1%	11.7%	12.6%	7.7%	8.0%	5.4%	3.3%	-0.0%	-5.4%	-10.2%	-2.2%	-1.2%	3.7%	7.9%	4.9%	3.0%	3.05%
EBITDA 5Y	5.1%	6.1%	2.6%	9.6%	9.0%	9.3%	11.6%	10.9%	7.9%	6.4%	5.0%	2.9%	2.5%	-0.1%	0.4%	2.7%	5.5%	8.0%	8.7%	5.5%	5.48%
Gross Profit 3Y	8.7%	9.1%	7.1%	9.5%	10.4%	10.0%	8.9%	6.4%	6.0%	5.2%	4.4%	3.2%	1.1%	-0.2%	3.3%	3.0%	5.1%	6.3%	5.9%	6.4%	6.39%
Gross Profit 5Y	4.3%	5.1%	4.3%	7.6%	7.8%	8.2%	9.1%	8.7%	7.5%	6.9%	6.3%	5.6%	5.5%	4.4%	4.0%	4.6%	5.7%	6.8%	7.3%	6.9%	6.87%
Op. Income 3Y	9.4%	9.9%	4.4%	9.1%	10.9%	11.5%	12.9%	7.8%	8.4%	5.9%	3.4%	-0.2%	-6.0%	-12.3%	-4.5%	-3.8%	1.0%	6.1%	4.2%	3.4%	3.39%
Op. Income 5Y	5.2%	6.2%	2.4%	10.0%	9.4%	9.6%	12.0%	11.3%	7.9%	6.3%	4.7%	2.4%	1.8%	-1.7%	-1.3%	1.1%	4.0%	7.2%	8.7%	6.0%	6.04%
FCF 3Y	2.5%	6.2%	-2.6%	-2.2%	-1.3%	5.9%	14.3%	7.9%	9.1%	11.5%	2.7%	3.9%	2.9%	-2.6%	1.9%	3.8%	4.3%	6.2%	7.0%	6.8%	6.79%
FCF 5Y	15.3%	14.5%	6.1%	9.4%	7.9%	5.6%	9.1%	10.3%	6.5%	9.8%	7.5%	3.1%	1.4%	1.8%	2.1%	1.3%	2.5%	4.6%	3.9%	7.6%	7.57%
OCF 3Y	3.6%	6.6%	-1.4%	-1.1%	-1.4%	5.4%	14.2%	8.0%	8.7%	11.5%	3.6%	3.7%	2.2%	-1.6%	3.1%	4.5%	6.6%	5.9%	6.8%	5.9%	5.88%
OCF 5Y	14.7%	14.0%	6.0%	9.4%	6.8%	5.4%	8.2%	9.7%	6.2%	9.6%	8.4%	3.7%	2.1%	3.2%	3.9%	2.3%	3.4%	3.8%	3.1%	6.6%	6.56%
Assets 3Y	15.0%	15.0%	19.8%	19.8%	19.8%	19.8%	7.4%	7.4%	7.4%	7.4%	2.1%	2.1%	2.1%	2.1%	2.4%	2.4%	2.4%	2.4%	4.9%	4.9%	4.88%
Assets 5Y	8.9%	8.9%	11.6%	11.6%	11.6%	11.6%	10.7%	10.7%	10.7%	10.7%	10.0%	10.0%	10.0%	10.0%	6.7%	6.7%	6.7%	6.7%	4.8%	4.8%	4.77%
Equity 3Y	13.0%	13.0%	9.6%	9.6%	9.6%	9.6%	-5.2%	-5.2%	-5.2%	-5.2%	-4.0%	-4.0%	-4.0%	-4.0%	-2.0%	-2.0%	-2.0%	-2.0%	11.0%	11.0%	11.05%
Book Value 3Y	9.7%	10.8%	8.0%	8.8%	9.7%	12.9%	-1.2%	-1.0%	-0.9%	-0.6%	0.5%	0.5%	0.1%	-0.8%	0.7%	-0.1%	-0.9%	-1.5%	11.9%	11.6%	11.58%
Dividend 3Y	-3.2%	-2.2%	-1.6%	0.8%	0.8%	3.7%	4.9%	5.5%	6.7%	7.0%	6.9%	-4.3%	-7.8%	4.5%	14.4%	25.5%	30.2%	14.3%	5.2%	4.6%	4.59%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.70	0.79	0.83	0.89	0.86	0.91	0.89	0.88	0.85	0.86	0.87	0.91	0.93	0.92	0.87	0.85	0.85	0.90	0.96	0.95	0.953
Earnings Stability	0.83	0.88	0.70	0.87	0.96	0.97	0.85	0.90	0.96	0.94	0.66	0.54	0.29	0.03	0.03	0.06	0.11	0.08	0.19	0.28	0.284
Margin Stability	0.96	0.95	0.96	0.95	0.96	0.95	0.97	0.95	0.94	0.92	0.91	0.89	0.87	0.85	0.85	0.85	0.85	0.85	0.86	0.88	0.876
Rev. Growth Consistency	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.000
Earn. Growth Consistency	1.00	1.00	0.00	1.00	1.00	1.00	0.50	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.93	0.93	0.99	0.95	0.99	1.00	0.86	0.97	0.96	0.98	0.94	0.94	0.91	0.87	0.91	0.99	0.91	0.50	0.50	0.81	0.811
Earnings Smoothness	0.85	0.84	0.98	0.89	0.99	0.99	0.71	0.92	0.90	0.96	0.84	0.83	0.74	0.61	0.75	0.98	0.81	0.48	0.50	0.62	0.618
ROE Trend	0.00	0.00	0.00	0.01	0.01	0.01	0.06	0.04	0.04	0.03	-0.01	-0.02	-0.02	-0.04	-0.05	-0.02	-0.01	0.03	0.02	0.02	0.021
Gross Margin Trend	0.05	0.09	0.06	0.10	0.07	0.03	0.02	-0.08	-0.13	-0.17	-0.19	-0.21	-0.20	-0.21	-0.18	-0.12	-0.07	0.00	0.08	0.09	0.087
FCF Margin Trend	-0.03	0.02	-0.05	-0.03	-0.01	-0.02	0.00	0.01	0.01	0.01	0.00	-0.04	-0.06	-0.11	-0.13	-0.09	-0.07	-0.04	0.04	0.06	0.057
Sustainable Growth Rate	7.8%	8.2%	6.6%	7.8%	7.7%	8.1%	10.7%	9.6%	9.7%	9.3%	9.0%	8.7%	8.0%	5.5%	4.8%	6.1%	7.3%	9.4%	9.2%	9.3%	9.30%
Internal Growth Rate	1.1%	1.1%	0.8%	1.0%	0.9%	1.0%	1.1%	1.0%	1.0%	1.0%	0.9%	0.9%	0.8%	0.6%	0.5%	0.6%	0.8%	1.0%	1.0%	1.0%	1.00%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.10	1.10	1.04	0.99	1.00	1.04	1.04	1.17	1.19	1.36	1.42	1.34	1.36	1.48	1.28	1.26	1.18	1.03	1.14	1.14	1.141
FCF/OCF	0.92	0.93	0.93	0.94	0.97	0.98	0.98	0.96	0.96	0.95	0.92	0.94	0.94	0.90	0.90	0.92	0.91	0.99	0.99	0.99	0.986
FCF/Net Income	snapshot only																				1.125
OCF/EBITDA	snapshot only																				0.969
CapEx/Revenue	2.6%	2.4%	2.0%	1.9%	0.8%	0.7%	0.6%	1.3%	1.2%	1.7%	2.4%	1.5%	1.5%	2.2%	2.0%	1.8%	1.9%	0.3%	0.4%	0.4%	0.41%
CapEx/Depreciation	snapshot only																				0.225
Accruals Ratio	-0.00	-0.00	-0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.002
Sloan Accruals	snapshot only																				0.896
Cash Flow Adequacy	snapshot only																				3.524
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	3.0%	3.0%	2.8%	3.1%	3.0%	3.0%	2.9%	3.8%	4.3%	4.2%	3.2%	2.8%	2.6%	3.2%	4.1%	3.9%	3.6%	3.5%	3.4%	3.3%	3.12%
Dividend/Share	$1.06	$1.09	$1.11	$1.19	$1.18	$1.20	$1.19	$1.28	$1.28	$1.29	$1.29	$1.00	$0.90	$1.35	$1.80	$1.86	$1.92	$1.98	$2.04	$2.09	$2.14
Payout Ratio	23.9%	23.1%	26.8%	24.5%	24.1%	23.3%	20.3%	23.3%	23.1%	23.7%	25.4%	21.2%	20.8%	36.7%	44.9%	40.1%	36.6%	31.7%	30.5%	30.7%	30.74%
FCF Payout Ratio	23.6%	22.6%	27.7%	26.4%	24.7%	23.0%	19.9%	20.7%	20.2%	18.4%	19.3%	16.7%	16.3%	27.4%	39.2%	34.7%	34.2%	31.1%	27.1%	27.3%	27.34%
Total Payout Ratio	76.1%	84.9%	1.1%	1.1%	1.0%	87.5%	59.3%	51.1%	28.4%	41.5%	44.3%	41.9%	38.1%	37.5%	45.7%	41.6%	37.9%	32.7%	31.5%	31.2%	31.16%
Div. Increase Streak	0	0	0	1	0	0	0	1	1	1	1	0	0	1	1	0	0	1	1	1	0
Chowder Number	0.02	0.02	0.02	0.08	0.05	0.05	0.05	0.07	0.11	0.11	0.10	-0.21	-0.28	0.07	0.42	0.91	1.17	0.51	0.17	0.16	0.161
Buyback Yield	6.5%	8.0%	8.4%	10.6%	9.6%	8.2%	5.6%	4.5%	1.0%	3.1%	2.4%	2.7%	2.2%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.04%
Net Buyback Yield	6.5%	8.0%	8.4%	10.6%	9.6%	8.2%	5.6%	4.5%	1.0%	3.1%	2.4%	2.7%	2.2%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.04%
Total Shareholder Return	9.5%	11.0%	11.3%	13.8%	12.5%	11.2%	8.5%	8.3%	5.3%	7.3%	5.6%	5.5%	4.7%	3.3%	4.1%	4.0%	3.7%	3.7%	3.5%	3.4%	3.37%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.82	0.81	0.81	0.80	0.80	0.80	0.81	0.82	0.82	0.84	0.84	0.84	0.85	0.85	0.83	0.81	0.80	0.80	0.80	0.80	0.804
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.13	1.126
EBIT Margin	0.36	0.38	0.34	0.38	0.36	0.36	0.38	0.33	0.32	0.29	0.27	0.24	0.21	0.18	0.19	0.21	0.23	0.27	0.30	0.28	0.278
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.06	0.06	0.057
Equity Multiplier	7.43	7.43	8.25	8.25	8.25	8.25	9.61	9.61	9.61	9.61	9.81	9.81	9.81	9.81	9.67	9.67	9.67	9.67	9.43	9.43	9.431

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$4.42	$4.71	$4.14	$4.87	$4.90	$5.15	$5.86	$5.49	$5.53	$5.44	$5.08	$4.71	$4.32	$3.68	$4.00	$4.62	$5.23	$6.25	$6.68	$6.78	$6.78
Book Value/Share	$44.51	$45.86	$45.50	$46.46	$47.56	$48.43	$39.17	$39.42	$39.54	$39.94	$44.23	$44.73	$44.69	$44.71	$46.49	$46.36	$46.33	$46.34	$54.91	$54.76	$55.14
Tangible Book/Share	$37.86	$39.01	$38.15	$38.95	$39.88	$40.60	$31.45	$31.65	$31.74	$32.06	$36.48	$36.89	$36.86	$36.87	$36.20	$36.10	$36.07	$36.08	$45.25	$45.13	$45.13
Revenue/Share	$14.90	$15.20	$15.17	$16.03	$16.79	$18.03	$18.95	$19.96	$21.12	$22.17	$22.71	$23.37	$23.69	$24.76	$26.04	$27.21	$28.36	$28.78	$27.54	$27.00	$27.00
FCF/Share	$4.48	$4.82	$4.00	$4.51	$4.78	$5.23	$6.00	$6.17	$6.34	$7.03	$6.66	$5.97	$5.53	$4.92	$4.59	$5.34	$5.61	$6.37	$7.53	$7.63	$7.63
OCF/Share	$4.86	$5.19	$4.30	$4.82	$4.91	$5.36	$6.12	$6.43	$6.60	$7.41	$7.21	$6.33	$5.89	$5.45	$5.11	$5.83	$6.15	$6.46	$7.63	$7.74	$7.74
Cash/Share	$125.11	$128.90	$159.91	$163.31	$167.17	$170.22	$127.98	$128.79	$129.18	$130.49	$111.91	$113.18	$113.08	$113.13	$69.47	$69.29	$69.23	$69.25	$107.98	$107.69	$8.15
EBITDA/Share	$5.87	$6.30	$5.60	$6.57	$6.61	$6.94	$7.74	$7.19	$7.24	$7.04	$6.62	$6.15	$5.65	$5.04	$5.68	$6.70	$7.61	$8.85	$9.15	$7.99	$7.99
Debt/Share	$9.52	$9.81	$9.02	$9.21	$9.43	$9.60	$6.63	$6.67	$6.69	$6.76	$14.73	$14.89	$14.88	$14.89	$18.22	$18.17	$18.16	$18.16	$40.55	$40.44	$40.44
Net Debt/Share	$-115.59	$-119.09	$-150.89	$-154.09	$-157.74	$-160.61	$-121.35	$-122.12	$-122.49	$-123.73	$-97.19	$-98.29	$-98.20	$-98.25	$-51.25	$-51.12	$-51.08	$-51.09	$-67.43	$-67.25	$-67.25

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.847
Altman Z-Prime	snapshot only																				1.834
Piotroski F-Score	8	8	6	7	6	7	6	6	6	6	5	5	5	5	7	6	7	7	8	7	7
Beneish M-Score	-2.67	-2.67	-2.42	-2.51	-2.40	-2.35	-2.16	-2.02	-2.08	-2.11	-2.24	-2.22	-2.24	-2.19	-2.30	-2.31	-2.33	-2.40	-2.79	-2.69	-2.686
Ohlson O-Score	snapshot only																				-5.519
ROIC (Greenblatt)	snapshot only																				8.14%
Net-Net WC	snapshot only																				$-319.53

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				AA
Credit Score	89.74	89.34	84.33	88.60	92.40	92.50	93.07	90.22	89.96	90.12	91.15	85.86	85.04	81.33	65.19	69.36	79.89	82.35	88.30	87.98	87.980
Credit Grade	snapshot only																				3
Credit Trend	snapshot only																				18.622
Implied Spread (bps)	snapshot only																				80.000
Industry Credit Rank	snapshot only																				91
Sector Credit Rank	snapshot only																				83

THFF NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

Sign in to InsiderStreet