Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
THFF
STRONG BUYAPPROVEFirst Financial Corporation · Financial Services · United States · $922M · Avg Vol: $10M/d
First Financial clears the calibrated bar. All three legs are above the floor (Q57 V51 M65) and a buyback retiring 0.19% of shares provides the required corroboration. Nothing adverse survives the evidence test: the only insider figure rounds to 0.00%, treated as unusable rather than adverse, and there is no negative earnings revision. Momentum at M65 is the strongest part of the case.
COMPANY DESCRIPTION
First Financial Corporation is a financial holding company operating a network of community banks across Indiana and Illinois, providing a comprehensive range of banking and financial services to individuals and businesses. Its offerings include commercial and retail banking, trust services, and wealth management. As a regional bank, First Financial leverages its local market knowledge, personalized customer service, and community embeddedness to differentiate itself in a competitive banking landscape.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 211.8M | 210.0M | 217.8M | 261.8M | 7.3% | 258.7M | 285.5M | 297.6M | 6.6% |
| EPS | 5.82 | 5.08 | 4.00 | 6.68 | 4.7% | 6.80 | 7.30 | 7.55 | 6.3% |
| Shares | 12.1M | 11.8M | 11.8M | 11.9M | -1.4% | 11.9M | — | — | — |
| Debt | 9.6M | 108.6M | 28.1M | 188.2M | 169.7% | 565.9M | — | — | — |
| Equity | 475.3M | 528.0M | 549.0M | 650.9M | 11.0% | — | — | — | — |
| Op CF | 78.8M | 86.1M | 60.4M | 90.4M | 4.7% | 92.0M | — | — | — |
| Inv CF | -433.7M | -22.1M | -66.1M | -126.2M | — | — | — | — | — |
| Fin CF | -110.6M | -209.8M | 22.5M | 72.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of THFF are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| THFF | First Financial Corporation(you) | $922M | 81 | STRONG BUY |
| FMNB | Farmers National Banc Corp. | $899M | 83 | STRONG BUY |
| BFST | Business First Bancshares, Inc. | $1.0B | 81 | STRONG BUY |
| CCNE | CNB Financial Corporation | $1.0B | 80 | BUY |
| ORRF | Orrstown Financial Services, Inc. | $836M | 83 | STRONG BUY |
| CAC | Camden National Corporation | $924M | 76 | BUY |
| HAFC | Hanmi Financial Corporation | $943M | 77 | BUY |
| CFFN | Capitol Federal Financial, Inc. | $1.1B | 83 | STRONG BUY |
| UVSP | Univest Financial Corporation | $1.2B | 81 | STRONG BUY |
| CPF | Central Pacific Financial Corp. | $997M | 76 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%