First Financial (THFF) Stock Price, News & Analysis

Company Overview

First Financial Corporation, through its subsidiaries, provides various financial services. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. It 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, the company offers lease financing, trust account, depositor, and insurance services. The company was founded in 1834 and is headquartered in Terre Haute, Indiana.

Key Stats

• Today's Range: $45.33 to $46.83
• 50-Day Range: $42.12 to $50.61
• 52-Week Range: $34.58 to $51.87
• Volume: 88,545 shs
• Average Volume: 46,779 shs
• Market Capitalization: $550.37 million
• P/E Ratio: 12.63
• Dividend Yield: 3.86%
• Price Target: $49.50
• Consensus Rating: Moderate Buy

First Financial Stock Analysis - MarketRank™

First Financial scored higher than 81% of companies evaluated by MarketBeat, and ranked 269th out of 937 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

First Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

First Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 32.14%

Earnings Growth

Earnings for First Financial are expected to grow by 32.14% in the coming year, from $3.92 to $5.18 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Financial is 12.63, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 116.04.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Financial is 12.63, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 32.63.

Price to Book Value per Share Ratio

First Financial has a P/B Ratio of 1.04. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.48% of the float of First Financial has been sold short.

Short Interest Ratio / Days to Cover

First Financial has a short interest ratio ("days to cover") of 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Financial has recently decreased by 6.06%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

First Financial is a leading dividend payer. It pays a dividend yield of 3.60%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

First Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of First Financial is 48.78%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Financial will have a dividend payout ratio of 34.75% next year. This indicates that First Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.48% of the float of First Financial has been sold short.

Short Interest Ratio / Days to Cover

First Financial has a short interest ratio ("days to cover") of 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Financial has recently decreased by 6.06%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: 1.00

News Sentiment

First Financial has a news sentiment score of 1.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.78 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for First Financial this week, compared to 1 article on an average week.

Search Interest

Only 1 people have searched for THFF on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

1 people have added First Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, First Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $21,416.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 3.69% of the stock of First Financial is held by insiders.

Percentage Held by Institutions

72.74% of the stock of First Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

THFF Stock Analysis - Frequently Asked Questions

How have THFF shares performed this year?

First Financial's stock was trading at $43.03 on January 1st, 2024. Since then, THFF shares have increased by 8.3% and is now trading at $46.61.
View the best growth stocks for 2024 here.

How were First Financial's earnings last quarter?

First Financial Co. (NASDAQ:THFF) issued its earnings results on Tuesday, October, 22nd. The bank reported $0.74 EPS for the quarter, missing analysts' consensus estimates of $0.91 by $0.17. The bank earned $82.92 million during the quarter, compared to analysts' expectations of $57.95 million. First Financial had a trailing twelve-month return on equity of 8.10% and a net margin of 14.86%.

Who are First Financial's major shareholders?

Top institutional shareholders of First Financial include State Street Corp (3.73%), Geode Capital Management LLC (2.32%), Hotchkis & Wiley Capital Management LLC (1.64%) and Charles Schwab Investment Management Inc. (0.83%). Insiders that own company stock include Tina Jane Maher, William Curtis Brighton, Paul Joseph Pierson II, James O Mcdonald, William Randolph Krieble, Mark Jason Sr Blade Sr, Susan M Jensen and Michael A Carty.
View institutional ownership trends.

How do I buy shares of First Financial?

Shares of THFF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of First Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Financial investors own include Medtronic (MDT), NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), JPMorgan Chase & Co. (JPM) and Tesla (TSLA).

Company Calendar

• Ex-Dividend for 10/15 Dividend: 10/01/2024
• Dividend Payable: 10/15/2024
• Last Earnings: 10/22/2024
• Today: 12/21/2024
• Fiscal Year End: 12/31/2024
• Ex-Dividend for 1/15 Dividend: 1/03/2025
• Dividend Payable: 1/15/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:THFF
• CUSIP: 32021810
• CIK: 714562
• Web: www.first-online.com
• Phone: (812) 238-6000
• Fax: 812-235-0555
• Employees: 861
• Year Founded: 1834

Price Target and Rating

• Average Stock Price Target: $49.50
• High Stock Price Target: $54.00
• Low Stock Price Target: $45.00
• Potential Upside/Downside: +6.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $3.69
• Trailing P/E Ratio: 12.63
• Forward P/E Ratio: 11.89
• P/E Growth: N/A
• Net Income: $60.67 million
• Net Margins: 14.86%
• Pretax Margin: 17.52%
• Return on Equity: 8.10%
• Return on Assets: 0.87%

Debt

• Debt-to-Equity Ratio: 0.05
• Current Ratio: 0.79
• Quick Ratio: 0.79

Sales & Book Value

• Annual Sales: $206.78 million
• Price / Sales: 2.66
• Cash Flow: $5.78 per share
• Price / Cash Flow: 8.07
• Book Value: $44.92 per share
• Price / Book: 1.04

Miscellaneous

• Outstanding Shares: 11,808,000
• Free Float: 11,372,000
• Market Cap: $550.37 million
• Optionable: Optionable
• Beta: 0.50