vs
Side-by-side financial comparison of FIRST FINANCIAL CORP (THFF) and TSS, Inc. (TSSI). Click either name above to swap in a different company.
FIRST FINANCIAL CORP is the larger business by last-quarter revenue ($70.5M vs $60.9M, roughly 1.2× TSS, Inc.). FIRST FINANCIAL CORP runs the higher net margin — 30.4% vs 20.0%, a 10.4% gap on every dollar of revenue. On growth, TSS, Inc. posted the faster year-over-year revenue change (21.8% vs 14.1%). FIRST FINANCIAL CORP produced more free cash flow last quarter ($86.4M vs $15.8M). Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% CAGR vs 20.8%).
First American Financial Corporation is an American financial services company which provides title insurance and settlement services to the real estate and mortgage industries.
THFF vs TSSI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $70.5M | $60.9M |
| Net Profit | $21.5M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | 37.4% | 1.5% |
| Net Margin | 30.4% | 20.0% |
| Revenue YoY | 14.1% | 21.8% |
| Net Profit YoY | 32.1% | 535.7% |
| EPS (diluted) | $1.81 | $0.44 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $70.5M | $60.9M | ||
| Q3 25 | $65.8M | $41.9M | ||
| Q2 25 | $63.1M | $44.0M | ||
| Q1 25 | $62.5M | $99.0M | ||
| Q4 24 | $61.8M | $50.0M | ||
| Q3 24 | $58.4M | $70.1M | ||
| Q2 24 | $49.2M | $12.2M | ||
| Q1 24 | $48.4M | $15.9M |
| Q4 25 | $21.5M | $12.2M | ||
| Q3 25 | $20.8M | $-1.5M | ||
| Q2 25 | $18.6M | $1.5M | ||
| Q1 25 | $18.4M | $3.0M | ||
| Q4 24 | $16.2M | $1.9M | ||
| Q3 24 | $8.7M | $2.6M | ||
| Q2 24 | $11.4M | $1.4M | ||
| Q1 24 | $10.9M | $15.0K |
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% | ||
| Q1 24 | — | 17.1% |
| Q4 25 | 37.4% | 1.5% | ||
| Q3 25 | 39.2% | -2.2% | ||
| Q2 25 | 36.2% | 5.1% | ||
| Q1 25 | 38.1% | 4.2% | ||
| Q4 24 | 32.4% | 0.0% | ||
| Q3 24 | 17.9% | 5.4% | ||
| Q2 24 | 27.6% | 14.0% | ||
| Q1 24 | 27.2% | 1.6% |
| Q4 25 | 30.4% | 20.0% | ||
| Q3 25 | 31.6% | -3.6% | ||
| Q2 25 | 29.5% | 3.4% | ||
| Q1 25 | 29.5% | 3.0% | ||
| Q4 24 | 26.3% | 3.8% | ||
| Q3 24 | 15.0% | 3.8% | ||
| Q2 24 | 23.1% | 11.5% | ||
| Q1 24 | 22.6% | 0.1% |
| Q4 25 | $1.81 | $0.44 | ||
| Q3 25 | $1.75 | $-0.06 | ||
| Q2 25 | $1.57 | $0.06 | ||
| Q1 25 | $1.55 | $0.12 | ||
| Q4 24 | $1.37 | $0.08 | ||
| Q3 24 | $0.74 | $0.10 | ||
| Q2 24 | $0.96 | $0.06 | ||
| Q1 24 | $0.93 | $0.00 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $85.5M |
| Total DebtLower is stronger | $188.2M | — |
| Stockholders' EquityBook value | $650.9M | $76.6M |
| Total Assets | $5.8B | $184.9M |
| Debt / EquityLower = less leverage | 0.29× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $85.5M | ||
| Q3 25 | — | $70.7M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $23.2M | ||
| Q3 24 | — | $46.4M | ||
| Q2 24 | — | $8.3M | ||
| Q1 24 | — | $14.4M |
| Q4 25 | $188.2M | — | ||
| Q3 25 | $170.5M | — | ||
| Q2 25 | $122.7M | — | ||
| Q1 25 | $124.9M | — | ||
| Q4 24 | $28.1M | — | ||
| Q3 24 | $30.5M | — | ||
| Q2 24 | $108.6M | — | ||
| Q1 24 | $58.6M | — |
| Q4 25 | $650.9M | $76.6M | ||
| Q3 25 | $622.2M | $63.4M | ||
| Q2 25 | $587.7M | $9.5M | ||
| Q1 25 | $571.9M | $9.4M | ||
| Q4 24 | $549.0M | $7.1M | ||
| Q3 24 | $566.0M | $7.7M | ||
| Q2 24 | $530.7M | $5.2M | ||
| Q1 24 | $520.8M | $3.7M |
| Q4 25 | $5.8B | $184.9M | ||
| Q3 25 | $5.7B | $165.4M | ||
| Q2 25 | $5.6B | $139.5M | ||
| Q1 25 | $5.5B | $113.5M | ||
| Q4 24 | $5.6B | $96.6M | ||
| Q3 24 | $5.5B | $67.3M | ||
| Q2 24 | $4.9B | $28.9M | ||
| Q1 24 | $4.9B | $26.8M |
| Q4 25 | 0.29× | — | ||
| Q3 25 | 0.27× | — | ||
| Q2 25 | 0.21× | — | ||
| Q1 25 | 0.22× | — | ||
| Q4 24 | 0.05× | — | ||
| Q3 24 | 0.05× | — | ||
| Q2 24 | 0.20× | — | ||
| Q1 24 | 0.11× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $90.4M | $16.3M |
| Free Cash FlowOCF − Capex | $86.4M | $15.8M |
| FCF MarginFCF / Revenue | 122.5% | 25.9% |
| Capex IntensityCapex / Revenue | 5.6% | 0.9% |
| Cash ConversionOCF / Net Profit | 4.21× | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | $144.3M | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $90.4M | $16.3M | ||
| Q3 25 | $26.9M | $-18.4M | ||
| Q2 25 | $12.7M | $16.3M | ||
| Q1 25 | $21.1M | $20.6M | ||
| Q4 24 | $60.4M | $-21.6M | ||
| Q3 24 | $23.3M | $38.6M | ||
| Q2 24 | $8.8M | $-4.3M | ||
| Q1 24 | $12.4M | $2.6M |
| Q4 25 | $86.4M | $15.8M | ||
| Q3 25 | $25.8M | $-24.9M | ||
| Q2 25 | $11.6M | $5.4M | ||
| Q1 25 | $20.5M | $5.8M | ||
| Q4 24 | $54.3M | $-28.4M | ||
| Q3 24 | $19.5M | $38.6M | ||
| Q2 24 | $8.4M | $-6.0M | ||
| Q1 24 | $11.5M | $2.6M |
| Q4 25 | 122.5% | 25.9% | ||
| Q3 25 | 39.2% | -59.3% | ||
| Q2 25 | 18.4% | 12.3% | ||
| Q1 25 | 32.8% | 5.8% | ||
| Q4 24 | 87.8% | -56.7% | ||
| Q3 24 | 33.5% | 55.1% | ||
| Q2 24 | 17.2% | -49.4% | ||
| Q1 24 | 23.7% | 16.4% |
| Q4 25 | 5.6% | 0.9% | ||
| Q3 25 | 1.7% | 15.3% | ||
| Q2 25 | 1.8% | 24.8% | ||
| Q1 25 | 0.9% | 15.0% | ||
| Q4 24 | 9.9% | 13.4% | ||
| Q3 24 | 6.5% | 0.1% | ||
| Q2 24 | 0.7% | 13.8% | ||
| Q1 24 | 2.0% | 0.2% |
| Q4 25 | 4.21× | 1.34× | ||
| Q3 25 | 1.29× | — | ||
| Q2 25 | 0.68× | 11.02× | ||
| Q1 25 | 1.14× | 6.93× | ||
| Q4 24 | 3.72× | -11.32× | ||
| Q3 24 | 2.67× | 14.60× | ||
| Q2 24 | 0.77× | -3.09× | ||
| Q1 24 | 1.14× | 176.40× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
THFF
Segment breakdown not available.
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
