How First Financial (THFF) Makes Money: A Visual Guide

Frequently asked questions

How does First Financial (THFF) make money?

First Financial (THFF) primarily makes money through Interchange income, which accounts for 80.7% of total revenue. For TTM through Q4 2025, First Financial generated $326.44M in total revenue with a net profit margin of 24.3%.

What is First Financial (THFF) gross profit margin?

First Financial (THFF) reported a gross profit margin of 77.7% for TTM through Q4 2025, equivalent to $253.59M in gross profit. This means First Financial retains 77.7% of each revenue unit after direct costs of production.

What is First Financial (THFF) operating profit margin?

First Financial (THFF) reported an operating profit margin of 30.4% for TTM through Q4 2025, equivalent to $99.36M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.

What is First Financial (THFF) net profit margin?

First Financial (THFF) reported a net profit margin of 24.3% for TTM through Q4 2025, equivalent to $79.21M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.

How much does First Financial (THFF) spend on capital expenditures?

First Financial (THFF) spent $2.27M on capital expenditures in TTM through Q4 2025 (0.7% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.

What is First Financial (THFF) free cash flow?

First Financial (THFF) generated $88.14M in free cash flow for TTM through Q4 2025 (27.0% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.

What is First Financial (THFF) effective tax rate?

First Financial (THFF) had an effective tax rate of 20.3% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.