THFF$63.2
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AI THFF Summary
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Powered by LiveAIOverall Analysis
BuyFirst Financial Corporation presents a fundamentally solid investment with a consistent dividend history and healthy financial position. While valuation metrics are reasonable, recent performance and technical indicators suggest a more neutral short-term outlook. Long-term investors may find value in its stable dividend payouts and established market presence.
Thematic
As a regional bank, First Financial Corporation operates within a mature sector. While it benefits from steady demand for financial services, it lacks strong exposure to high-growth thematic trends like AI or renewable energy. Its focus on traditional banking services means it is less directly influenced by disruptive innovation themes.
Fundamental
First Financial Corporation demonstrates strong financial health with consistent profitability, a healthy balance sheet, and a stable dividend. Its P/E ratio is attractive relative to its earnings history, and its cash flow generation is robust. The company's growth in net income and revenue in recent years, coupled with a strong net margin, highlights operational efficiency.
Technical
The stock is trading near its 52-week high, indicating positive momentum over the past year, but recent short-term performance shows a slight decline. Technical indicators like RSI suggest the stock is not currently overbought or oversold, pointing to a neutral short-term trading range.
| Factor | Score |
|---|---|
| Digital Transformation in Banking | 60 |
| Interest Rate Sensitivity | 70 |
| Regional Economic Growth | 50 |
| ESG Integration | 40 |
| Factor | Score |
|---|---|
| Valuation | 85 |
| Profitability | 90 |
| Growth | 65 |
| Balance Sheet Health | 70 |
| Cash Flow | 80 |
| Dividend Yield | 88 |
| Factor | Score |
|---|---|
| Trend Analysis | 80 |
| Momentum | 65 |
| Support & Resistance | 70 |
| Moving Averages | 50 |
| Volume | 50 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Beat
The company has exceeded earnings per share (EPS) estimates in the last two reported quarters (Q2 2025: 19.54% surprise, Q1 2025: 7.31% surprise), indicating strong operational execution and forecasting accuracy.
Strong Cash Position
The company has consistently increased its cash and cash equivalents, ending Q4 2024 with $93.5 million, providing ample liquidity for operations and potential investments.
Bearish Points (7)
EPS Miss in Q4 2024
The company missed EPS estimates in Q4 2024 by 18.41%, indicating a recent operational setback or unexpected challenges that impacted profitability.
Declining Net Margin
The net margin has declined from 33.6% in 2022 to 21.7% in 2024, suggesting potential pressure on profitability due to increased costs or pricing challenges.
Calendar
July 2025
1
Ex-Dividend Date
July 2025
15
Next Dividend Date
October 2025
22
Next Earnings Date
H: $1.64
A: $1.58
L: $1.53
H: 66.00M
A: 65.58M
L: 65.15M
Profile
First Financial Corporation, through its subsidiaries, provides various financial products and services in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia. It offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. The company also provides commercial loans primarily to expand a business or finance asset purchases; residential real estate and residential real estate construction loans; and home equity loans and lines, secured loans, and cash/CD secured and unsecured loans. In addition, it offers lease financing, trust account, depositor, investment, and insurance services. The company was founded in 1834 and is headquartered in Terre Haute, Indiana.
Seasonals
Price Target
59.50 USD
The 39 analysts offering 1 year price forecasts for THFF have a max estimate of 61.00 and a min estimate of 58.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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