THFF First Financial Corporation - Common Stock
$66.27
Price · May 19, 2026
Fundamentals as of May 6, 2026
52W Range
$50–$69
85% of range
Analyst Rating
BUY
8 analysts
Price Target
$73
+10% upside
P/E (TTM)
9.0
ROE
12.8%
Net Profit Margin
30.2%
THFF Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$66.27
Market Cap
$718M
P/E (TTM)
9.0
EPS (TTM)
$6.68
Revenue (TTM)
—
Div Yield
3.4%
ROE
12.8%
Debt/Equity
—
52W Range
$50 – $69
THFF Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$6.68
2020-12-31
→
2025-12-31
Free Cash Flow
$86M
2017-12-31
→
2025-12-31
Margins
30.2%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
THFF
Peer Median
P/E (TTM)
9.0
11.9
P/S (TTM)
2.7
2.1
P/B
1.1
1.0
Price / FCF
8.3
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
THFF
Peer Median
Net Profit Margin
30.2%
30.2%
ROA
1.4%
0.95%
ROE
12.8%
8.9%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
THFF
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
THFF
Peer Median
Revenue YoY
20.2%
—
Revenue CAGR 3Y
7.3%
—
Revenue CAGR 5Y
6.8%
—
EPS YoY
67.0%
—
Net Income YoY
67.5%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
THFF
Peer Median
Payout Ratio
30.5%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
3.4%
Payout Ratio
30.5%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| April 1, 2026 | $0.5600 |
| Jan. 2, 2026 | $0.5600 |
| Oct. 1, 2025 | $0.5100 |
| July 1, 2025 | $0.5100 |
| April 1, 2025 | $0.5100 |
| Jan. 3, 2025 | $0.5100 |
| Oct. 1, 2024 | $0.4500 |
| July 1, 2024 | $0.4500 |
| March 28, 2024 | $0.4500 |
| Dec. 29, 2023 | $0.4500 |
| June 15, 2023 | $0.5400 |
| Jan. 5, 2023 | $0.7400 |
| June 16, 2022 | $0.5400 |
| Jan. 6, 2022 | $0.6300 |
| June 16, 2021 | $0.5300 |
| Jan. 7, 2021 | $0.5300 |
| June 12, 2020 | $0.5200 |
| Jan. 7, 2020 | $0.5200 |
| June 14, 2019 | $0.5200 |
| Jan. 7, 2019 | $0.5100 |
THFF Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
8 analysts
- Strong Buy 2 25.0%
- Buy 4 50.0%
- Hold 2 25.0%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
2 analysts · 2026-05-18
Median
$73.00
← Below all targets
$66.27
Low
$70.00
High
$76.00
Median target
$73.00
+10.2%
Mean target
$73.00
+10.2%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.11%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| March 31, 2026 | $1.67 | $1.67 | 0.00% |
| Dec. 31, 2025 | $1.81 | $1.75 | 0.06% |
| Sept. 30, 2025 | $1.75 | $1.62 | 0.13% |
| June 30, 2025 | $1.57 | $1.44 | 0.13% |
| March 31, 2025 | $1.55 | $1.32 | 0.23% |
Peer Comparison Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| THFF | $718M | 9.0 | 20.2% | 30.2% | 12.8% | — |
| FMNB | — | 9.2 | 3.9% | — | — | — |
| CAC | $734M | 11.3 | 17.0% | 156.1% | 9.7% | — |
| NBBK | $907M | 14.8 | 23.0% | 23.5% | 6.3% | — |
| MPB | $715M | 12.2 | 26.1% | 24.9% | 7.1% | — |
| FCBC | $618M | 12.7 | 0.99% | 29.1% | 9.7% | — |
| CCBG | $727M | 11.8 | 8.1% | 24.2% | 11.4% | — |
| EGBN | $650M | -4.7 | -3.1% | -46.1% | -11.9% | — |
| HTB | $742M | 11.5 | — | 30.2% | 11.2% | — |
| SPFI | $632M | 11.3 | 8.6% | 27.6% | 12.3% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $61M | $18M | $9M | $14M | $17M | $10M | $6M | $4M | $4M | $6M | |
| Interest Income | $306M | $265M | $228M | $183M | $152M | $160M | $149M | $126M | $114M | $109M | $109M | $113M | |
| Pretax Income | $99M | $57M | $72M | $88M | $66M | $66M | $61M | $58M | $50M | $58M | $41M | $48M | |
| Income Tax | $20M | $10M | $12M | $17M | $13M | $12M | $12M | $11M | $21M | $20M | $10M | $14M | |
| Net Income | $79M | $47M | $61M | $71M | $53M | $54M | $49M | $47M | $29M | $38M | $30M | $34M | |
| EPS (Basic) | $6.68 | $4.00 | $5.08 | $5.82 | $4.02 | $3.93 | · | · | · | · | · | · | |
| EPS (Diluted) | $6.68 | $4.00 | $5.08 | $5.82 | $4.02 | $3.93 | · | · | · | · | · | · | |
| Shares (Basic) | 11,852,000 | 11,812,000 | 11,937,000 | 12,211,000 | 13,190,000 | 13,716,000 | · | · | · | · | · | · | |
| Shares (Diluted) | 11,852,000 | 11,812,000 | 11,937,000 | 12,211,000 | 13,190,000 | 13,716,000 | · | · | · | · | · | · | |
| EBITDA | $12M | $10M | $7M | $6M | $6M | $6M | $5M | $4M | $4M | $5M | $5M | $6M |
Balance Sheet 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | · | · | $74M | $74M | $75M | $89M | $78M | |
| PP&E (Net) | $79M | $82M | $67M | $66M | $70M | $62M | $63M | $47M | $48M | $49M | $51M | $52M | |
| PP&E (Gross) | $146M | $147M | $138M | $135M | $137M | $126M | $124M | $113M | $114M | $113M | $114M | $112M | |
| Accum. Depreciation | $68M | $65M | $70M | $69M | $68M | $64M | $61M | $66M | $66M | $63M | $63M | $60M | |
| Goodwill | $98M | $100M | $87M | $87M | $86M | $79M | $79M | $34M | $34M | $34M | $39M | $39M | |
| Intangibles | $16M | $22M | $6M | $7M | $8M | $9M | $11M | $1M | $2M | $2M | $3M | $4M | |
| Total Assets | $5.76B | $5.56B | $4.85B | $4.99B | $5.18B | $4.56B | $4.02B | $3.01B | $3.00B | $2.99B | $2.98B | $3.00B | |
| Short-term Debt | · | · | · | · | $93M | · | · | · | · | · | · | · | |
| Total Liabilities | $5.11B | $5.01B | $4.32B | $4.51B | $4.59B | $3.96B | $3.47B | $2.57B | $2.59B | $2.57B | $2.57B | $2.61B | |
| Long-term Debt | $188M | $28M | $109M | $10M | $16M | $6.0K | $31.0K | $0 | $0 | $132.0K | $13M | $13M | |
| Common Stock | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Retained Earnings | $742M | $687M | $664M | $615M | $559M | $521M | $492M | $457M | $420M | $422M | $396M | $378M | |
| Treasury Stock | $154M | $154M | $155M | $145M | $118M | $77M | $69M | $69M | $69M | $70M | $51M | $43M | |
| AOCI | $-87M | $-132M | $-127M | $-140M | $-2M | $10M | $-8M | $-23M | $-15M | $-14M | $-9M | $-15M | |
| Stockholders' Equity | $651M | $549M | $528M | $475M | $583M | $597M | $547M | $443M | $414M | $414M | $410M | $394M | |
| Liabilities + Equity | $5.76B | $5.56B | $4.85B | $4.99B | $5.18B | $4.56B | $4.02B | $3.01B | $3.00B | $2.99B | $2.98B | $3.00B | |
| Shares Outstanding | 11,880,759 | 11,842,539 | 11,795,024 | 12,051,964 | 12,629,893 | 13,558,511 | 13,741,825 | 12,278,295 | 12,246,464 | 12,216,712 | 12,740,018 | 12,942,175 |
Cash Flow 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $12M | $10M | $7M | $6M | $6M | $6M | $5M | $4M | $4M | $5M | $5M | $6M | |
| Stock-based Comp | · | · | · | · | $807.0K | $820.0K | $801.0K | $745.0K | $706.0K | $684.0K | $684.0K | $1M | |
| Deferred Tax | $-786.0K | $3M | $-472.0K | $-3M | $-2M | $-4M | $-3M | $-2M | $-4M | $-2M | $-924.0K | $3M | |
| Amort. of Intangibles | $5M | $4M | $1M | $1M | $2M | $2M | $923.0K | $433.0K | $480.0K | $630.0K | $830.0K | $1M | |
| Other Non-cash | $-237.0K | $-135.0K | $19M | $5M | $-3M | $20M | $-2M | $8M | $20M | $-1M | $6M | $14M | |
| Operating Cash Flow | $90M | $60M | $86M | $79M | $55M | $77M | $50M | $57M | $50M | $41M | $41M | $58M | |
| CapEx | $4M | $6M | $7M | $1M | $4M | $4M | $1M | $2M | $3M | $3M | $3M | $5M | |
| Investing Cash Flow | $-126M | $-66M | $-22M | $-434M | $-312M | $-16M | $-33M | $-34M | $-27M | · | · | · | |
| Stock Repurchased | $795.0K | $376.0K | $12M | $28M | $42M | $9M | $315.0K | $391.0K | $503.0K | $19M | $9M | $15M | |
| Net Stock Activity | $-795.0K | $-376.0K | $-12M | $-28M | $-42M | $-9M | $-315.0K | $-391.0K | $-503.0K | $-19M | $-9M | $-15M | |
| Dividends Paid | $24M | $21M | $15M | $14M | $14M | $14M | $13M | $12M | $31M | $12M | $13M | $13M | |
| Financing Cash Flow | $73M | $23M | $-210M | $-111M | $288M | $469M | $36M | $-23M | $-24M | · | · | · | |
| Net Change in Cash | $37M | $17M | $-146M | $-466M | $31M | $530M | $53M | $281.0K | $-905.0K | · | · | · | |
| Taxes Paid | $13M | $10M | $11M | · | · | · | · | · | · | · | · | · | |
| Free Cash Flow | $86M | $54M | $80M | $77M | $51M | $74M | $49M | $55M | $47M | $38M | $38M | $53M | |
| Levered FCF | · | · | $28M | $63M | $44M | $62M | $35M | $48M | $43M | $35M | $35M | $49M |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 30.2% | 21.7% | 28.9% | 33.6% | 28.6% | 28.5% | 28.7% | 30.1% | 20.3% | 25.3% | 21.0% | 22.7% | |
| Pretax Margin | 37.7% | 26.2% | 34.5% | 41.4% | 35.4% | 34.7% | 35.9% | 37.3% | 34.6% | 38.4% | 28.2% | 32.3% | |
| EBITDA Margin | 4.7% | 4.6% | 3.1% | 2.9% | 3.3% | 3.2% | 2.8% | 2.7% | 3.1% | 3.3% | 3.8% | 4.0% | |
| ROA | 1.4% | 0.91% | 1.2% | 1.4% | 1.1% | 1.2% | 1.4% | 1.6% | 0.97% | 1.3% | 1.0% | 1.1% | |
| ROE | 12.8% | 8.5% | 12.2% | 15.6% | 9.0% | 8.9% | 8.8% | 10.7% | 6.8% | 9.2% | 7.4% | 8.5% |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 20.2% | 3.7% | -0.85% | 14.2% | -1.8% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 7.3% | 5.5% | 3.6% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 6.8% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 67.0% | -21.3% | -12.7% | 44.8% | 2.3% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 4.7% | -0.17% | 8.9% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 11.2% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 67.5% | -22.1% | -14.7% | 34.2% | -1.6% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 3.7% | -3.7% | 4.1% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 8.0% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 11.1% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $262M | $218M | $210M | $212M | $185M | $189M | $170M | $155M | $144M | $152M | $144M | $149M | |
| Net Income TTM | $79M | $47M | $61M | $71M | $53M | $54M | $49M | $47M | $29M | $38M | $30M | $34M | |
| Market Cap | $718M | $547M | $508M | $555M | $572M | $527M | $628M | $493M | $555M | $645M | $433M | $461M | |
| P/E | 9.0 | 11.5 | 8.5 | 7.9 | 11.3 | 9.9 | · | · | · | · | · | · | |
| P/S | 2.7 | 2.5 | 2.4 | 2.6 | 3.1 | 2.8 | 3.7 | 3.2 | 3.9 | 4.2 | 3.0 | 3.1 | |
| P/B | 1.1 | 1.0 | 1.0 | 1.2 | 1.0 | 0.9 | 1.1 | 1.1 | 1.3 | 1.6 | 1.1 | 1.2 | |
| P / Tangible Book | 1.3 | 1.3 | 1.2 | 1.5 | 1.2 | 1.0 | · | · | · | · | · | · | |
| P / Cash Flow | 7.9 | 9.1 | 5.9 | 7.0 | 10.4 | 6.8 | 12.6 | 8.6 | 11.1 | 15.7 | 10.5 | 8.0 | |
| P / FCF | 8.3 | 10.1 | 6.4 | 7.2 | 11.2 | 7.2 | 12.9 | 8.9 | 11.8 | 16.9 | 11.4 | 8.8 | |
| Dividend Yield | 3.4% | 3.9% | 3.0% | 2.6% | 2.5% | 2.7% | 2.0% | 2.5% | 5.5% | 1.9% | 2.9% | 2.8% | |
| Earnings Yield | 11.1% | 8.7% | 11.8% | 12.6% | 8.9% | 10.1% | · | · | · | · | · | · | |
| Payout Ratio | 30.5% | 45.0% | 25.4% | 20.3% | 26.8% | 26.5% | 25.9% | 26.8% | 104.9% | 32.2% | 41.8% | 38.3% | |
| Annual Payout | $24M | $21M | $15M | $14M | $14M | $14M | $13M | $12M | $31M | $12M | $13M | $13M |
Income Statement 10
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $20M | · | $18M | $14M | $10M | · | $5M | $3M | |
| Interest Income | $78M | $82M | $77M | $74M | $73M | $73M | $72M | $61M | $59M | $59M | $59M | $56M | $55M | $52M | $48M | $43M | |
| Pretax Income | $25M | $26M | $26M | $23M | $24M | $20M | $10M | $14M | $13M | $14M | $19M | $19M | $20M | $19M | $23M | $19M | |
| Income Tax | $5M | $5M | $5M | $4M | $5M | $4M | $2M | $2M | $2M | $2M | $3M | $4M | $4M | $2M | $5M | $4M | |
| Net Income | $20M | $21M | $21M | $19M | $18M | $16M | $9M | $11M | $11M | $12M | $16M | $16M | $16M | $17M | $18M | $16M | |
| EPS (Basic) | $1.67 | $1.81 | $1.75 | $1.57 | $1.55 | $1.37 | $0.74 | $0.96 | $0.93 | $1.05 | $1.37 | $1.33 | $1.33 | $1.38 | $1.50 | $1.27 | |
| EPS (Diluted) | $1.67 | $1.81 | $1.75 | $1.57 | $1.55 | $1.37 | $0.74 | $0.96 | $0.93 | $1.05 | $1.37 | $1.33 | $1.33 | $1.38 | $1.50 | $1.27 | |
| Shares (Basic) | 11,885,000 | -23,692,000 | 11,851,000 | 11,851,000 | 11,842,000 | -23,613,000 | 11,808,000 | 11,814,000 | 11,803,000 | -24,044,000 | 11,901,000 | 12,022,000 | 12,058,000 | -24,604,000 | 12,029,000 | 12,248,000 | |
| Shares (Diluted) | 11,885,000 | -23,692,000 | 11,851,000 | 11,851,000 | 11,842,000 | -23,613,000 | 11,808,000 | 11,814,000 | 11,803,000 | -24,044,000 | 11,901,000 | 12,022,000 | 12,058,000 | -24,604,000 | 12,029,000 | 12,248,000 | |
| EBITDA | $3M | · | · | · | $3M | · | · | · | $2M | · | · | · | $2M | · | · | · |
Balance Sheet 17
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $89M | $79M | $79M | $80M | $80M | $82M | $82M | $66M | $67M | · | $67M | $67M | $68M | · | $68M | $69M | |
| PP&E (Gross) | · | $146M | · | · | · | $147M | · | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | $68M | · | · | · | $65M | · | · | · | · | · | · | · | · | · | · | |
| Goodwill | $98M | $98M | $98M | $98M | $100M | $100M | $97M | $87M | $87M | $87M | $87M | $87M | $87M | $87M | $87M | $87M | |
| Intangibles | $20M | $16M | $17M | $19M | $20M | $22M | $23M | $5M | $5M | · | $6M | $6M | $6M | · | $7M | $7M | |
| Total Assets | $6.13B | $5.76B | $5.67B | $5.60B | $5.55B | $5.56B | $5.48B | $4.89B | $4.85B | · | $4.78B | $4.88B | $4.87B | · | $5.01B | $5.01B | |
| Short-term Debt | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $89M | · | |
| Total Liabilities | $5.47B | $5.11B | $5.05B | $5.02B | $4.98B | $5.01B | $4.92B | $4.36B | $4.33B | · | $4.31B | $4.38B | $4.36B | · | $4.57B | $4.55B | |
| Long-term Debt | $209M | $188M | $170M | $123M | $125M | · | $30M | $109M | $59M | · | $85M | $135M | · | · | · | · | |
| Total Debt | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $89M | · | |
| Common Stock | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | · | $2M | $2M | $2M | · | $2M | $2M | |
| Retained Earnings | $755M | $742M | $727M | $712M | $700M | $687M | $677M | $674M | $668M | · | $657M | $640M | $631M | · | $607M | $589M | |
| Treasury Stock | $154M | $154M | $155M | $155M | $155M | $154M | $155M | $155M | $155M | · | $156M | $148M | $145M | · | $146M | $145M | |
| AOCI | $-95M | $-87M | $-99M | $-118M | $-121M | $-132M | $-103M | $-135M | $-138M | · | $-176M | $-141M | $-126M | $-140M | $-167M | $-127M | |
| Stockholders' Equity | $655M | $651M | $622M | $588M | $572M | $549M | $566M | $531M | $521M | $528M | $470M | $497M | $505M | $475M | $439M | $462M | |
| Liabilities + Equity | $6.13B | $5.76B | $5.67B | $5.60B | $5.55B | $5.56B | $5.48B | $4.89B | $4.85B | · | $4.78B | $4.88B | $4.87B | · | $5.01B | $5.01B | |
| Shares Outstanding | 11,891,896 | 11,880,759 | 11,850,645 | 11,850,645 | 11,850,645 | 11,842,539 | 11,808,304 | 11,814,093 | 11,814,093 | · | 11,754,528 | 11,982,985 | 12,065,888 | · | 12,021,998 | 12,031,123 |
Cash Flow 12
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $2M | $2M | |
| Other Non-cash | $-17.0K | · | · | · | $-606.0K | · | · | · | $-143.0K | · | · | · | $6M | · | · | · | |
| Operating Cash Flow | $23M | $30M | $27M | $13M | $21M | $16M | $23M | $9M | $12M | $20M | $28M | $14M | $24M | $26M | $20M | $12M | |
| CapEx | $687.0K | $1M | $1M | $1M | $566.0K | $1M | $4M | $338.0K | $964.0K | $1M | $2M | $321.0K | $3M | $-780.0K | $294.0K | $271.0K | |
| Investing Cash Flow | $-70M | $-44M | $-64M | $-28M | $10M | $-96M | $55M | $-24M | $-1M | $-25M | $41M | $-24M | $-14M | $-81M | $-126M | $-152M | |
| Stock Repurchased | $332.0K | $0 | $0 | $0 | $795.0K | $0 | $0 | $0 | $376.0K | $0 | $8M | $3M | $382.0K | $0 | $417.0K | $18M | |
| Net Stock Activity | $-332.0K | · | · | · | $-795.0K | · | · | · | $-376.0K | · | · | · | $-382.0K | · | · | · | |
| Dividends Paid | $7M | $6M | $6M | $6M | $6M | $5M | $5M | $5M | $5M | $0 | $0 | $6M | $9M | $0 | $0 | $7M | |
| Financing Cash Flow | $14M | $57M | $27M | $26M | $-38M | $97M | $-76M | $21M | $-19M | $8M | $-77M | $9M | $-150M | $-57M | $23M | $-48M | |
| Net Change in Cash | $-33M | $43M | $-10M | $11M | $-7M | $16M | $2M | $6M | $-8M | $2M | $-7M | $-526.0K | $-140M | $-111M | $-82M | $-187M | |
| Free Cash Flow | $22M | · | · | · | $20M | · | · | · | $11M | · | · | · | $21M | · | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | $-6M | · | · | · | $12M | · | · | · |
Profitability 5
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.1% | · | 31.6% | 29.5% | 29.5% | · | 15.0% | 23.1% | 22.6% | · | 30.9% | 30.4% | 29.8% | · | 32.7% | 30.8% | |
| Pretax Margin | 36.3% | · | 39.2% | 36.2% | 38.0% | · | 17.9% | 27.6% | 27.2% | · | 36.6% | 37.0% | 36.5% | · | 41.1% | 38.1% | |
| EBITDA Margin | 4.2% | · | · | · | 5.2% | · | · | · | 3.4% | · | · | · | 2.9% | · | · | · | |
| ROA | 0.34% | · | 0.37% | 0.35% | 0.35% | · | 0.17% | 0.23% | 0.22% | · | 0.33% | 0.32% | 0.32% | · | 0.37% | 0.32% | |
| ROE | 3.2% | · | 3.5% | 3.3% | 3.4% | · | 1.7% | 2.2% | 2.1% | · | 3.6% | 3.3% | 3.1% | · | 3.5% | 3.0% |
Liquidity & Solvency 1
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | · | · | · | · | · | · | · | · | · | · | · | · | 0.2 | · |
Efficiency 1
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $259M | · | $250M | $233M | $218M | · | $209M | $203M | $207M | · | $214M | $212M | $211M | · | $205M | $196M | |
| Net Income TTM | $78M | · | $66M | $57M | $49M | · | $47M | $55M | $59M | · | $66M | $66M | $71M | · | $71M | $69M | |
| Market Cap | $752M | · | $669M | $642M | $580M | · | $518M | $436M | $453M | · | $397M | $389M | $452M | · | $543M | $535M | |
| P/E | 9.7 | · | 10.1 | 11.2 | 11.7 | · | 11.0 | 8.0 | 7.7 | · | 6.1 | 6.0 | 6.5 | · | 8.0 | 8.2 | |
| P/S | 2.9 | · | 2.7 | 2.8 | 2.7 | · | 2.5 | 2.1 | 2.2 | · | 1.9 | 1.8 | 2.1 | · | 2.7 | 2.7 | |
| P/B | 1.1 | · | 1.1 | 1.1 | 1.0 | · | 0.9 | 0.8 | 0.9 | · | 0.8 | 0.8 | 0.9 | · | 1.2 | 1.2 | |
| P / Tangible Book | 1.4 | · | 1.3 | 1.4 | 1.3 | · | 1.2 | 1.0 | 1.1 | · | 1.1 | 1.0 | 1.1 | · | 1.6 | 1.5 | |
| P / Cash Flow | 33.2 | · | · | · | 27.6 | · | · | · | 36.4 | · | · | · | 19.0 | · | · | · | |
| P / FCF | 34.3 | · | · | · | 28.3 | · | · | · | 39.5 | · | · | · | 22.1 | · | · | · | |
| Earnings Yield | 10.3% | · | 9.9% | 8.9% | 8.5% | · | 9.1% | 12.4% | 12.9% | · | 16.4% | 16.7% | 15.4% | · | 12.6% | 12.2% | |
| Payout Ratio | 33.6% | · | · | · | 32.8% | · | · | · | 48.5% | · | · | · | 55.8% | · | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $79M | $47M | $61M | $71M | $53M |
| Diluted EPS | $6.68 | $4.00 | $5.08 | $5.82 | $4.02 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $86M | $54M | $80M | $77M | $51M |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
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