Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
THFF
Strong BuyPremium GrowerAPPROVEFirst Financial Corporation · Financial Services · United States · $942M · Avg Vol: $8M/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% | 268.2M | 290.5M | 334.7M | 13.1% |
| EPS | 5.82 | 5.08 | 4.00 | 6.68 | 4.7% | 7.14 | 7.79 | 8.22 | 10.9% |
| Shares | 12.1M | 11.8M | 11.8M | 11.9M | -1.4% | 11.9M | — | — | — |
| Debt | 9.6M | 108.6M | 28.1M | 188.2M | 169.7% | 609.2M | — | — | — |
| Equity | 475.3M | 528.0M | 549.0M | 650.9M | 11.0% | — | — | — | — |
| Op CF | 78.8M | 86.1M | 60.4M | 90.4M | 4.7% | 97.3M | — | — | — |
| 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) | $942M | 82 | Strong Buy |
| HAFC | Hanmi Financial Corporation | $923M | 82 | Strong Buy |
| FMNB | Farmers National Banc Corp. | $929M | 82 | Strong Buy |
| FISI | Financial Institutions, Inc. | $807M | 82 | Strong Buy |
| BFST | Business First Bancshares, Inc. | $1.0B | 76 | Buy |
| ORRF | Orrstown Financial Services, Inc. | $825M | 77 | Buy |
| WASH | Washington Trust Bancorp, Inc. | $753M | 78 | Buy |
| HBT | HBT Financial, Inc. | $1.3B | 85 | Strong Buy |
| MPB | Mid Penn Bancorp, Inc. | $929M | 73 | Buy |
| TCBX | Third Coast Bancshares, Inc. | $752M | 77 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%