First Financial Corporation (THFF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
First Financial Corporation (THFF) trades at $75.92 with AI Score 92/100 (Grade A+). First Financial Corporation is a regional bank providing financial services across Indiana, Illinois, Kentucky, and Tennessee. Market cap: $902.89M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for THFF: THFF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates THFF against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
THFF: 5/7 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →First Financial Corporation (THFF) Financial Services Profile
First Financial Corporation, established in 1834, operates as a regional bank offering diverse financial services, including commercial and retail banking, across a four-state area. With a market capitalization of $902.89M and a dividend yield of 3.15%, THFF maintains a conservative beta of 0.40 within the regional banking sector.
What Is the Investment Thesis for THFF?
First Financial Corporation presents a stable investment profile within the regional banking sector, supported by a $902.89M market capitalization and a consistent dividend yield of 3.15%. The company's P/E ratio of 10.00 indicates a potentially undervalued position relative to earnings. A conservative beta of 0.40 suggests lower volatility compared to the broader market. Growth catalysts include expansion within its existing four-state region and potential acquisitions of smaller community banks. However, investors should monitor the impact of interest rate fluctuations and regional economic conditions on First Financial's loan portfolio and profitability. Maintaining a profit margin of 25.1% will be critical for sustaining shareholder value.
Based on FMP financials and quantitative analysis
THFF Key Highlights
- Market capitalization of $902.89M indicates a solid regional presence.
- P/E ratio of 10.00 suggests a potentially undervalued stock relative to earnings.
- Profit margin of 25.1% reflects efficient operations and profitability.
- Gross margin of 77.9% demonstrates effective cost management in service delivery.
- Dividend yield of 3.15% provides a consistent income stream for investors.
Who Are THFF's Competitors?
THFF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BOH Bank of Hawaii Corporation | $83.02 | -0.05% | $3.29B | 85 |
| MCHB Mechanics Bank | $16.24 | +0.17% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.25 | +0.22% | $80.38M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $53.76 | -0.92% | $30.25B | 67 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.61 | -0.76% | $8.61B | 67 |
| ASBA Associated Banc-Corp | $24.48 | -0.21% | $4.04B | 67 |
| LRBI Lake Ridge Bancorp Inc. | $146.00 | +1.92% | $287.14M | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are THFF's Key Strengths?
- Long-standing history and established brand in the region.
- Diversified portfolio of financial services.
- Strong local market knowledge and customer relationships.
- Conservative lending practices and risk management.
What Are THFF's Weaknesses?
- Limited geographic reach compared to national banks.
- Dependence on regional economic conditions.
- Potential vulnerability to interest rate fluctuations.
- Need for continued investment in digital banking technology.
What Could Drive THFF Stock Higher?
- Expansion of digital banking services to attract and retain customers.
- Potential acquisitions of smaller community banks to expand market share.
- Focus on commercial lending to drive revenue growth.
- Development of wealth management services to diversify revenue streams.
What Are the Key Risks for THFF?
- Financial-distress signal — its Altman Z-Score of 0.33 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger national banks and fintech companies.
- Regulatory changes and compliance costs impacting profitability.
- Economic downturns in the region affecting loan performance.
- Cybersecurity risks and data breaches compromising customer data.
- Interest rate fluctuations impacting net interest margin.
What Are the Growth Opportunities for THFF?
- Expansion within Existing Markets: First Financial can deepen its market penetration within its existing footprint of west-central Indiana, east-central Illinois, western Kentucky, and middle and western Tennessee. By opening new branches in underserved areas and increasing marketing efforts, the company can attract new customers and grow its deposit base. This targeted expansion strategy can leverage the company's established brand and local market knowledge to drive organic growth. The timeline for this growth is ongoing, with continuous evaluation of market opportunities.
- Strategic Acquisitions of Smaller Banks: The regional banking sector is ripe for consolidation, presenting First Financial with opportunities to acquire smaller community banks. These acquisitions can expand the company's geographic reach, increase its asset base, and generate cost synergies. Identifying and integrating suitable acquisition targets can be a key growth driver. The timeline for acquisitions is event-driven, depending on market conditions and available targets.
- Enhancement of Digital Banking Platform: Investing in and enhancing its digital banking platform can attract and retain tech-savvy customers. Offering mobile banking, online account opening, and digital payment solutions can improve customer convenience and reduce operational costs. This digital transformation is essential for competing with larger banks and fintech companies. The timeline for digital enhancement is ongoing, with continuous updates and improvements to the platform.
- Increased Focus on Commercial Lending: Expanding its commercial lending portfolio can drive revenue growth and improve profitability. By targeting small and medium-sized businesses in its operating region, First Financial can capitalize on local economic development and build long-term relationships. Offering tailored financing solutions and personalized service can differentiate the company from larger lenders. The timeline for commercial lending growth is ongoing, with proactive outreach to local businesses.
- Development of Wealth Management Services: Expanding wealth management services, including financial planning, investment management, and trust services, can generate fee income and diversify revenue streams. Targeting high-net-worth individuals and families in its operating region can create a stable and recurring source of revenue. Offering personalized advice and tailored investment solutions can attract and retain clients. The timeline for wealth management development is ongoing, with gradual expansion of service offerings.
What Opportunities Does THFF Have?
- Expansion within existing markets.
- Strategic acquisitions of smaller banks.
- Enhancement of digital banking platform.
- Increased focus on commercial lending.
What Threats Does THFF Face?
- Competition from larger national banks and fintech companies.
- Regulatory changes and compliance costs.
- Economic downturns in the region.
- Cybersecurity risks and data breaches.
What Are THFF's Competitive Advantages?
- Established regional presence with a history dating back to 1834.
- Strong local market knowledge and customer relationships.
- Diversified portfolio of financial services.
- Conservative lending practices and risk management.
- Extensive branch network across four states.
What Does THFF Do?
Founded in 1834 and headquartered in Terre Haute, Indiana, First Financial Corporation has evolved into a prominent regional bank serving west-central Indiana, east-central Illinois, western Kentucky, and middle and western Tennessee. The company operates 78 branches, providing a comprehensive suite of financial services to individuals and businesses. Its offerings include a variety of deposit accounts, such as non-interest-bearing demand, interest-bearing demand, savings, and time deposits. First Financial also provides commercial loans tailored to business expansion and asset purchases, residential real estate and construction loans, home equity loans and lines of credit, and secured and unsecured personal loans. Beyond lending and deposit services, First Financial offers lease financing, trust account services, and insurance products, positioning itself as a full-service financial institution within its operating footprint. The company's long-standing history and diversified service portfolio contribute to its established presence in the regional banking landscape.
What Products and Services Does THFF Offer?
- Offers non-interest-bearing and interest-bearing demand deposit accounts.
- Provides savings and time deposit accounts.
- Originates commercial loans for business expansion and asset purchases.
- Offers residential real estate and construction loans.
- Provides home equity loans and lines of credit.
- Offers secured and unsecured personal loans.
- Provides lease financing options.
- Offers trust account services and insurance products.
How Does THFF Make Money?
- Generates revenue from interest earned on loans.
- Collects fees for services such as trust accounts and insurance.
- Profits from the spread between interest earned on assets and interest paid on deposits.
- Expands its customer base through branch operations and digital banking.
What Industry Does THFF Operate In?
First Financial Corporation operates within the regional banking sector, which is characterized by increasing consolidation and competition from larger national banks and fintech companies. The industry is influenced by interest rate environments, regulatory changes, and regional economic conditions. First Financial's presence in the Midwest and Southeast positions it to capitalize on local economic growth, but it also faces competition from institutions like Bank of Hawaii Corporation (BOH) and other regional players. The trend towards digital banking and mobile payment solutions is reshaping customer expectations, requiring regional banks to invest in technology to remain competitive.
Who Are THFF's Key Customers?
- Small and medium-sized businesses seeking commercial loans.
- Individuals seeking residential real estate loans.
- Consumers needing personal loans and lines of credit.
- Customers looking for deposit accounts and savings products.
- Individuals and families seeking wealth management services.
Company Profile
First Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Terre Haute, US. The company is led by CEO Norman D. Lowery. THFF has traded publicly since 1992.
F-Score 6/9Financial Health
First Financial Corporation's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.33 places it in the distress zone, a signal of elevated financial risk.
ROE 13%Key Financial Metrics
Return on equity for First Financial Corporation stands at 12.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.3%, showing how much profit it generates from its asset base. THFF trades at a trailing price-to-earnings ratio of 11.36, below the Financial Services sector average of ~18x. Its free cash flow yield is 9.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.36 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.8%, the inverse of the P/E and a quick read on earnings relative to price.
THFF Valuation & Market Position
With a $902.89M market cap, First Financial Corporation sits in the small-cap segment of the market. Relative to its peer group, THFF's quantitative score of 92/100 is above the peer average of 72/100.
FY2026 estForward Outlook
Wall Street analysts project First Financial Corporation revenue of about $291.6M for fiscal 2026, with EPS near $7.33.
THFF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in First Financial's future performance, indicating that leadership believes in the company's growth potential.
- Community sentiment has turned increasingly positive, with discussions highlighting the company's strong customer relationships and community engagement.
- Analysts are noting improvements in operational efficiency, which could lead to enhanced profitability in upcoming quarters.
- The financial sector has shown resilience, and First Financial's strategic positioning allows it to capitalize on emerging opportunities.
Bear Case
- Concerns about rising interest rates have led some investors to question the sustainability of profit margins in the banking sector, impacting sentiment around First Financial.
- Negative community sentiment has emerged over potential regulatory changes that could affect operational flexibility and profitability.
- Recent discussions have highlighted competition in the regional banking sector, raising doubts about First Financial's ability to maintain its market share.
- Some analysts express caution due to economic uncertainties that may hinder consumer spending and loan demand, impacting First Financial's growth trajectory.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
THFF Latest News
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THFF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for THFF.
Price Targets
Wall Street price target analysis for THFF.
THFF MoonshotScore
What does this score mean?
The MoonshotScore rates THFF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Norman D. Lowery
CEO
Norman D. Lowery serves as the CEO of First Financial Corporation, overseeing a workforce of 937 employees. His career reflects a deep understanding of the financial services industry, with extensive experience in regional banking and community development. Prior to his role at First Financial, Lowery held leadership positions at various financial institutions, focusing on strategic planning, risk management, and customer relationship management. His educational background includes a degree in finance and advanced certifications in banking and leadership.
Track Record: Under Norman D. Lowery's leadership, First Financial Corporation has maintained a stable financial performance, navigating fluctuating interest rate environments and regional economic conditions. Key achievements include maintaining a consistent dividend yield for shareholders and expanding the company's digital banking capabilities. Strategic decisions have focused on prudent risk management and organic growth within the company's existing footprint. The company has also focused on community engagement and supporting local economic development initiatives.
Common Questions About THFF (Financial Services)
What does First Financial Corporation do?
First Financial Corporation operates as a regional bank providing a range of financial services to individuals and businesses across west-central Indiana, east-central Illinois, western Kentucky, and middle and western Tennessee. The company offers various deposit accounts, including checking, savings, and time deposits, along with commercial, residential real estate, and consumer loans. Additionally, First Financial provides lease financing, trust account services, and insurance products, positioning itself as a comprehensive financial solutions provider within its operating region. The company's focus is on building long-term relationships with customers and supporting local economic development.
What do analysts say about THFF stock?
Analyst coverage of First Financial Corporation (THFF) typically focuses on the company's regional market position, asset quality, and profitability. Key valuation metrics such as the P/E ratio of 10.00 and dividend yield of 3.15% are closely monitored. Growth considerations include the company's ability to expand its loan portfolio, manage interest rate risk, and adapt to changing customer preferences in the digital banking landscape. Analyst consensus generally reflects a stable outlook, contingent on the company's ability to maintain its financial performance and navigate the competitive regional banking environment. No buy or sell recommendations are made here.
What are the main risks for THFF?
First Financial Corporation faces several key risks inherent to the regional banking sector. These include credit risk associated with its loan portfolio, interest rate risk impacting its net interest margin, and operational risks related to cybersecurity and regulatory compliance. Competition from larger national banks and fintech companies also poses a threat to its market share. Economic downturns in its operating region could negatively impact loan performance and profitability. Effective risk management and strategic adaptation are crucial for mitigating these challenges and sustaining long-term growth.
What are the key factors to evaluate for THFF?
First Financial Corporation (THFF) holds an AI score of 92/100 (high). Not financial advice.
How frequently does THFF data refresh on this page?
THFF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven THFF's recent stock price performance?
First Financial Corporation (THFF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and established brand in the region. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider THFF overvalued or undervalued right now?
Valuing First Financial Corporation (THFF) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying THFF?
Before investing in First Financial Corporation (THFF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- All data is based on provided sources.
- No forward-looking statements or investment recommendations are made.