First Financial Corporation (THFF)
For informational purposes only. Not financial advice.
First Financial Corporation (THFF) is a publicly traded company with a market cap of $0. It holds a moderate AI score of 56/100 based on fundamental, technical, and sentiment analysis.
First Financial Corporation is a regional bank providing a range of financial services to individuals and businesses. With a history dating back to 1834, the company operates 78 branches across four states.
Company Overview
First Financial Corporation (THFF) is a well-established regional bank with a strong presence in the Midwest and Southeast, offering stable dividends and a diversified portfolio of financial services, making it a compelling investment opportunity for value-oriented investors.
Investment Thesis
First Financial Corporation presents a compelling investment opportunity due to its stable financial performance and strong regional presence. With a P/E ratio of 10.15 and a healthy profit margin of 24.3%, THFF demonstrates financial stability. The dividend yield of 3.08% offers an attractive income stream for investors. Key value drivers include the company's diversified loan portfolio and its focus on community banking, which fosters customer loyalty. Growth catalysts include expansion within its existing geographic footprint and strategic acquisitions of smaller banks. The company's beta of 0.41 suggests lower volatility compared to the broader market, making it a potentially attractive option for risk-averse investors. Continued focus on operational efficiency and strategic growth initiatives should drive long-term shareholder value.
Key Highlights
- Market capitalization of $0.80 billion indicates a solid mid-cap regional bank.
- P/E ratio of 10.15 suggests the company is reasonably valued compared to its earnings.
- Profit margin of 24.3% demonstrates efficient operations and profitability.
- Gross margin of 77.7% indicates a strong ability to manage costs associated with its services.
- Dividend yield of 3.08% provides a steady income stream for investors.
Competitors
Strengths
- Established regional presence in multiple states.
- Diversified portfolio of banking products and services.
- Strong customer relationships and community focus.
- Sound financial performance with healthy profit margins.
Weaknesses
- Limited geographic diversification compared to larger banks.
- Vulnerable to economic downturns in its regional markets.
- Increased competition from larger national banks and fintech companies.
- Dependence on traditional banking channels.
Catalysts
- Ongoing: Expansion of digital banking services to attract and retain customers.
- Ongoing: Strategic acquisitions of smaller banks to expand market presence.
- Upcoming: Potential interest rate hikes impacting net interest margin in 2026.
- Ongoing: Growth in commercial lending activities to support local businesses.
- Ongoing: Implementation of cost-saving measures to improve operational efficiency.
Risks
- Potential: Economic recession in its regional markets leading to loan defaults.
- Potential: Rising interest rates impacting loan demand and profitability.
- Ongoing: Increased competition from larger national banks and fintech companies.
- Ongoing: Cybersecurity risks and data breaches compromising customer data.
- Ongoing: Regulatory changes impacting banking operations and compliance costs.
Growth Opportunities
- Expansion within existing markets: First Financial can grow by increasing its market share in its current geographic footprint. By opening new branches in underserved areas and expanding its commercial lending activities, THFF can tap into unmet demand. The company can also leverage its strong reputation and customer relationships to attract new customers from competitors. This expansion can increase loan volume and deposit base, driving revenue growth. Timeline: Ongoing.
- Strategic acquisitions: THFF can pursue strategic acquisitions of smaller community banks or credit unions in adjacent markets. These acquisitions can provide access to new customers, markets, and product lines. By integrating acquired entities into its existing platform, THFF can achieve economies of scale and improve operational efficiency. Careful due diligence and integration planning are essential for successful acquisitions. Market size: Varies by target. Timeline: Ongoing.
- Digital banking initiatives: Investing in digital banking technologies can enhance customer experience and improve operational efficiency. By offering mobile banking, online account opening, and other digital services, THFF can attract and retain tech-savvy customers. Digitalization can also reduce costs associated with branch operations and customer service. Market size: Growing digital banking market. Timeline: Ongoing.
- Wealth management services: Expanding its wealth management services can generate additional revenue streams and diversify its business mix. By offering financial planning, investment management, and trust services, THFF can cater to the needs of high-net-worth individuals and families. This expansion requires hiring experienced wealth management professionals and developing a comprehensive suite of products and services. Market size: Growing wealth management market. Timeline: Upcoming: within the next 2 years.
- Commercial lending growth: Focusing on commercial lending can drive revenue growth and improve profitability. By targeting small and medium-sized businesses in its markets, THFF can capitalize on the demand for business loans. The company can also specialize in certain industries or sectors to gain a competitive advantage. Prudent risk management and credit underwriting are essential for successful commercial lending. Market size: Growing small business lending market. Timeline: Ongoing.
Opportunities
- Expansion into new markets through strategic acquisitions.
- Growth in commercial lending to support local businesses.
- Investment in digital banking technologies to enhance customer experience.
- Expansion of wealth management services to cater to high-net-worth individuals.
Threats
- Rising interest rates and inflation impacting loan demand.
- Increased regulatory scrutiny and compliance costs.
- Cybersecurity risks and data breaches.
- Economic recession leading to loan defaults.
Competitive Advantages
- Strong regional presence with established branch network.
- Long-standing customer relationships built over decades.
- Diversified portfolio of banking products and services.
- Conservative lending practices and risk management.
- Local market knowledge and expertise.
About
Founded in 1834 and headquartered in Terre Haute, Indiana, First Financial Corporation (THFF) has a rich history of providing financial services to communities across the Midwest and Southeast. The company operates through its subsidiaries, offering a comprehensive suite of banking products and services tailored to individuals and businesses. These include a variety of deposit accounts, such as non-interest-bearing demand, interest-bearing demand, savings, and time deposits. First Financial also provides a range of lending options, including commercial loans to support business expansion and asset purchases, residential real estate loans, construction loans, and home equity lines of credit. Furthermore, the company offers secured and unsecured personal loans, lease financing, trust account services, and insurance products. With 78 branches strategically located in west-central Indiana, east-central Illinois, western Kentucky, and middle and western Tennessee, First Financial maintains a strong regional presence and focuses on building long-term relationships with its customers. The bank's commitment to community banking and its diversified service offerings position it as a key player in the regional financial landscape.
What They Do
- Offers non-interest-bearing demand deposit accounts.
- Provides interest-bearing demand deposit accounts.
- Offers savings accounts to individual customers.
- Provides time deposit accounts, including certificates of deposit (CDs).
- Offers commercial loans to businesses for expansion and asset purchases.
- Provides residential real estate loans for home purchases.
- Provides home equity loans and lines of credit.
- Offers lease financing and trust account services.
Business Model
- Generates revenue from interest earned on loans.
- Collects fees from deposit accounts and other services.
- Manages risk through diversification of loan portfolio.
- Expands through organic growth and strategic acquisitions.
Industry Context
First Financial Corporation operates within the regional banking sector, which is characterized by increasing competition and evolving customer preferences. The industry is influenced by macroeconomic factors such as interest rates, economic growth, and regulatory changes. Regional banks like THFF face competition from larger national banks, credit unions, and fintech companies. The trend towards digital banking and mobile payments is reshaping the industry, requiring banks to invest in technology and innovation. The market is seeing consolidation as banks seek to gain scale and efficiency. THFF's focus on community banking and its diversified service offerings position it well to compete in this dynamic environment.
Key Customers
- Individual consumers seeking deposit accounts and loans.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers needing construction financing.
- High-net-worth individuals seeking wealth management services.
Financials
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q4 2025 | $71M | $21M | $1.81 |
| Q3 2025 | $88M | $21M | $1.75 |
| Q2 2025 | $85M | $19M | $1.57 |
| Q1 2025 | $84M | $18M | $1.55 |
Source: Company filings
Chart & Info
Price Chart
First Financial Corporation (THFF) stock price: $0.00 (+0.00, +0.00%)
Why Bull
- •Insiders seem to be positioning themselves favorably, which often signals confidence in the company's future prospects.
- •Recent community buzz suggests a growing belief in the company's strategic direction and long-term vision.
- •There's a perception that the market may be undervaluing some of First Financial's key assets or growth opportunities.
- •Positive chatter indicates a belief that upcoming announcements or market developments could act as catalysts for growth.
Why Bear
- •Some insiders may be reducing their holdings, which could indicate concerns about near-term performance or market conditions.
- •A segment of the community expresses worries about increasing competition and its potential impact on market share.
- •Market sentiment suggests some skepticism regarding the company's ability to navigate current economic uncertainties.
- •Bearish views highlight potential challenges in adapting to evolving customer preferences or technological advancements.
Latest News
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Technical Analysis
Rationale
AI-generated technical analysis for THFF including trend direction, momentum, and pattern recognition.
What to Watch
Key support and resistance levels, volume signals, and upcoming events.
Risk Management
Position sizing, stop-loss levels, and risk-reward assessment.
Community
Discussion
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Sentiment
Community sentiment and discussion activity for THFF.
Make a Prediction
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Current price: $0.00
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for THFF.
Price Targets
Insider Flow (30d)
MoonshotScore
Score Factors
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Revenue Growth 4/100
Revenue grew only 6.2% YoY, suggesting the company is in a slower growth phase.
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Gross Margin 10/100
Gross margin of 77.7% shows excellent pricing power and a strong competitive moat.
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Operating Leverage 4/100
Limited operating leverage due to slower revenue growth, keeping profit scaling constrained.
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Cash Runway 8/100
Strong cash reserves of $131M provide a solid financial cushion for growth investments and market downturns.
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R&D Intensity 5/100
R&D spending data is currently unavailable for this company.
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Insider Activity 3/100
Net insider selling of -$0.14M may indicate reduced confidence or routine diversification by executives.
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Short Interest 10/100
Daily turnover of 0.74% indicates healthy liquidity with smooth entry/exit for investors.
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Price Momentum 3/100
Weak momentum with few bullish signals. The stock may be in a downtrend or consolidation phase.
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News Sentiment 5/100
No sentiment data available
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.
Competitors & Peers
Frequently Asked Questions
What does First Financial Corporation do?
First Financial Corporation operates as a regional bank, providing a comprehensive suite of financial services to individuals and businesses. Its core business revolves around taking deposits and originating loans. The company offers various deposit accounts, including checking, savings, and time deposits. On the lending side, it provides commercial loans, residential real estate loans, and consumer loans. First Financial generates revenue primarily from the interest earned on loans and fees charged for its services. With 78 branches across four states, the company focuses on building long-term relationships with its customers and supporting the economic growth of its communities.
Is THFF stock a good buy?
THFF stock presents a mixed investment picture. The company's stable financial performance, indicated by a P/E ratio of 10.15 and a dividend yield of 3.08%, suggests value. However, its growth prospects are tied to the regional economy and its ability to compete with larger banks and fintech companies. Investors should consider the potential for strategic acquisitions and digital banking initiatives to drive future growth. Given its beta of 0.41, THFF may offer lower volatility compared to the broader market. A balanced approach considering both value and growth factors is recommended.
What are the main risks for THFF?
First Financial Corporation faces several key risks. Economic downturns in its regional markets could lead to increased loan defaults and reduced profitability. Rising interest rates could negatively impact loan demand and net interest margin. Increased competition from larger national banks and fintech companies could erode market share. Cybersecurity risks and data breaches pose a significant threat to customer data and reputation. Regulatory changes and compliance costs could also impact the company's financial performance. Effective risk management and proactive mitigation strategies are crucial for THFF to navigate these challenges.
Is THFF a good stock to buy?
Whether THFF is a suitable investment depends on your goals, risk tolerance, and time horizon. Evaluate First Financial Corporation's revenue growth, profit margins, debt levels, and valuation relative to peers. This is not financial advice.
What is the THFF MoonshotScore?
The MoonshotScore rates THFF from 0 to 100 across growth potential, financial health, market momentum, and risk factors. Scores above 70 suggest strong potential, 50-70 moderate, and below 50 warrants caution. It is recalculated daily using the latest market data. This score is informational only.
How often is THFF data updated?
THFF prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What do analysts say about THFF?
Analyst coverage for THFF includes consensus ratings (buy, hold, sell), 12-month price targets, and earnings estimates from major research firms. Key data points: consensus target price, number of covering analysts, recent upgrades or downgrades, and earnings beat/miss history. See the Analyst Consensus section on this page.
What are the risks of investing in THFF?
Risk categories for THFF include market risk, company-specific risk (management, competition), financial risk (debt, cash burn), and macroeconomic risk (rates, inflation). Beta above 1.0 indicates higher volatility than the S&P 500. Review the Risk Factors section on this page for details. All investments carry risk of loss.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Data provided for informational purposes only.
- Financial data is based on the most recent available information. Stock data pending update.