Want to see THFF full AI Analyst Report?
THFF Stock Chart & Stats
$67.51
$0.00(0.00%)
At close: 4:00 PM EST
$67.51
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$51.21 - $78.74
Previous CloseN/A
Volume5.57K
Average Volume (3M)121.01K
Market Cap
$897.24M
Enterprise Value$1.33B
Total Cash (Recent Filing)$96.89M
Total Debt (Recent Filing)$558.54M
Price to Earnings (P/E)11.1
Beta0.89
Next Earnings
Jul 28, 2026EPS Estimate
1.79Next Dividend Ex-DateN/A
Dividend Yield3.19%
Share Statistics
EPS (TTM)6.80
Shares Outstanding11,891,896
10 Day Avg. Volume151,568
30 Day Avg. Volume121,008
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)1.10
Price to Sales (P/S)2.19
P/FCF Ratio8.29
Enterprise Value/Market Cap1.48
Enterprise Value/Revenue4.14
Enterprise Value/Gross Profit5.31
Enterprise Value/Ebitda13.55
Forecast
1Y Price Target
$70.00Price Target Upside3.69% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)7.34
Revenue Forecast (FY)$291.36M
Bulls Say, Bears Say
Bulls Say
Strong Free Cash FlowFCF nearly equals reported net income (~$91M; FCF/NI ~0.99), signaling high earnings quality and internal funding capacity. Sustained FCF supports dividends, organic loan growth and capital needs without heavy external financing, improving long-term balance sheet resilience.
Durable ProfitabilityHigh TTM margins (net ~25%, EBIT ~28%) provide a durable earnings cushion versus peers. Strong operating profitability gives flexibility to absorb credit cycles, invest in operations, and sustain shareholder distributions even if top-line growth softens over the next several quarters.
Leadership ContinuityRenewed CEO employment agreement (and similar executive agreements) secures management continuity and aligns incentives. Stable leadership reduces execution and strategic risks, aiding consistent credit and lending policy execution across the bank's regional franchise.
Bears Say
Rising LeverageLeverage nearly doubled to ~0.85 D/E (TTM) from ~0.39, materially increasing balance-sheet sensitivity. Higher leverage reduces capital flexibility, magnifies earnings volatility in stress scenarios, and can constrain growth or force higher-cost funding if conditions tighten.
Weakening Revenue MomentumTop-line growth shifted to a TTM decline following modest 2025 gains, indicating slowing loan, deposit or fee expansion. Persistent revenue weakness would hamper operating leverage and organic capital accumulation, forcing trade-offs between margin maintenance and growth investments.
Low OCF Coverage Of DebtDespite strong FCF, operating cash flow covers only ~0.26 of debt in TTM, leaving a limited near-term cash buffer for servicing liabilities. Combined with higher leverage, low coverage raises refinancing and liquidity risk if credit conditions or funding costs worsen.
First Financial Indiana News
THFF FAQ
What was First Financial Corporation Indiana’s price range in the past 12 months?
First Financial Corporation Indiana lowest stock price was $51.21 and its highest was $78.74 in the past 12 months.
What is First Financial Corporation Indiana’s market cap?
First Financial Corporation Indiana’s market cap is $897.24M.
When is First Financial Corporation Indiana’s upcoming earnings report date?
First Financial Corporation Indiana’s upcoming earnings report date is Jul 28, 2026 which is in 17 days.
How were First Financial Corporation Indiana’s earnings last quarter?
First Financial Corporation Indiana released its earnings results on Apr 28, 2026. The company reported $1.67 earnings per share for the quarter, beating the consensus estimate of $1.635 by $0.035.
Is First Financial Corporation Indiana overvalued?
According to Wall Street analysts First Financial Corporation Indiana’s price is currently Undervalued.
Does First Financial Corporation Indiana pay dividends?
First Financial Corporation Indiana pays a Quarterly dividend of $0.56 which represents an annual dividend yield of 3.19%. See more information on First Financial Corporation Indiana dividends here
What is First Financial Corporation Indiana’s EPS estimate?
First Financial Corporation Indiana’s EPS estimate is 1.79.
How many shares outstanding does First Financial Corporation Indiana have?
First Financial Corporation Indiana has 11,891,896 shares outstanding.
What happened to First Financial Corporation Indiana’s price movement after its last earnings report?
First Financial Corporation Indiana reported an EPS of $1.67 in its last earnings report, beating expectations of $1.635. Following the earnings report the stock price went up 0.763%.
Which hedge fund is a major shareholder of First Financial Corporation Indiana?
Currently, no hedge funds are holding shares in THFF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Financial Indiana Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$70.00 (3.69% Upside)
$70.00 (3.69% Upside)
Blogger Sentiment
Bullish
THFF Sentiment 70%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Decreased
By 13.7K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▲ 4.2%
Last 30 Days ▲ 55.8%
Last 30 Days ▲ 55.8%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
37.60%
12-Months-Change
Fundamentals
Return on Equity
12.81%
Trailing 12-Months
Asset Growth
10.44%
Trailing 12-Months
Company Description
First Financial Corporation Indiana
First Financial Corporation operates as the bank holding company for First Financial Bank N.A. that provides various financial services for individuals and businesses in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia in the United States. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits; checking and savings accounts; personal and business certificates of deposit; and digital banking services. It also provides commercial loans primarily to expand a business or finance asset purchases; real estate mortgages, including residential real estate and residential real estate construction loans; home equity loans and lines, secured loans, cash/CD secured loans, and unsecured loans; mortgage refinance; personal and auto loans; and credit cards. In addition, the company offers lease financing, trust account, and depositor services; business services, including accounts receivable and payable, merchant services, fraud protection, money management, and workplace rewards; and wealth services. The company was formerly known as Terre Haute First Corporation and changed its name to First Financial Corporation in December 1984. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.
THFF Stock 12 Month Forecast
Average Price Target
$70.00
▲(3.69% Upside)
Technical Analysis
Camden National
―
Mid Penn Bancorp
―
Orrstown Financial Services
―
Five Star
―
NB Bancorp, Inc.
―
Ownership Overview
0.93% Insiders
22.05% Mutual Funds
5.63% Other Institutional Investors
48.90% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---