How First Financial (THFF) Makes Money: A Visual Guide
First Financial (THFF) generated $320.85M in revenue, earning $80.61M in net profit (25.1% margin). Its largest revenue source is Interchange income (79.2% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
In TTM through Q1 2026, First Financial (THFF) generated revenue across 2 reportable product segments; the largest contributor was Interchange income at 79.2%, followed by Financial Service, Other (20.8%).
First Financial (THFF) Income Statement Flow — TTM through Q1 2026
Calculated from the four most recent reported quarters, ending (reported ).
First Financial (THFF) Revenue by Product Segment — TTM through Q1 2026
Revenue contribution by product segment for First Financial (THFF) in TTM through Q1 2026.
Interchange income
- Revenue
- $254.09M
- % of total
- 79.2%
Financial Service, Other
- Revenue
- $66.76M
- % of total
- 20.8%
Total
- Revenue
- $320.85M
- % of total
- 100%
| Segment | Revenue | % of total |
|---|---|---|
| Interchange income | $254.09M | 79.2% |
| Financial Service, Other | $66.76M | 20.8% |
| Total | $320.85M | 100% |
Frequently asked questions
How does First Financial (THFF) make money?
First Financial (THFF) primarily makes money through Interchange income, which accounts for 79.2% of total revenue. For TTM through Q1 2026, First Financial generated $320.85M in total revenue with a net profit margin of 25.1%.
What is First Financial (THFF) gross profit margin?
First Financial (THFF) reported a gross profit margin of 77.9% for TTM through Q1 2026, equivalent to $249.99M in gross profit. This means First Financial retains 77.9% 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 27.8% for TTM through Q1 2026, equivalent to $89.08M 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 25.1% for TTM through Q1 2026, equivalent to $80.61M 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 $1.32M on capital expenditures in TTM through Q1 2026 (0.4% 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 $90.65M in free cash flow for TTM through Q1 2026 (28.3% 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 19.6% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.
What are First Financial (THFF) main revenue segments?
First Financial (THFF) reports revenue across 2 reportable product segments, led by Interchange income at 79.2% of total revenue in TTM through Q1 2026. The full segment-by-segment breakdown is shown in the revenue-by-segment table on this page.
Data & methodology
What is a Sankey diagram?
A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?
We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
Where do segment and geographic numbers come from?
Product-segment shares come from the same TTM income statement that powers the Sankey chart. Geographic splits are first rebuilt from the four most recent quarterly geographic-segmentation filings so they align with the same TTM window; if quarterly geo data is missing, we fall back to the latest annual disclosure (the table heading shows which one is in use).
When was this data last updated?
Based on company filings through TTM through Q1 2026.
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