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: $44.02 to $46.07
• 50-Day Range: $40.19 to $46.46
• 52-Week Range: $31.74 to $47.00
• Volume: 164,922 shs
• Average Volume: 45,619 shs
• Market Capitalization: $521.77 million
• P/E Ratio: 9.42
• Dividend Yield: 4.07%
• Price Target: $45.00
• Consensus Rating: Hold

First Financial Stock Analysis - MarketRank™

First Financial scored higher than 74% of companies evaluated by MarketBeat, and ranked 399th out of 904 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: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

First Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 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: 3.8 / 5
• Proj. Earnings Growth: 16.17%

Earnings Growth

Earnings for First Financial are expected to grow by 16.17% in the coming year, from $4.39 to $5.10 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Financial is 9.42, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 132.22.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Financial is 9.42, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 31.88.

Price to Book Value per Share Ratio

First Financial has a P/B Ratio of 0.98. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.65% 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 1.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Financial has recently increased by 11.77%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

First Financial is a leading dividend payer. It pays a dividend yield of 4.05%, 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 38.38%. 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 35.29% 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

0.65% 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 1.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Financial has recently increased by 11.77%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.60

News Sentiment

First Financial has a news sentiment score of 0.60. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for First Financial this week, compared to 1 article on an average week.

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 $5,065.00 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 at the start of the year. Since then, THFF stock has increased by 2.7% and is now trading at $44.18.
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, July, 23rd. The bank reported $0.96 EPS for the quarter, hitting the consensus estimate of $0.96. The bank had revenue of $70.68 million for the quarter, compared to analyst estimates of $51.95 million. First Financial had a net margin of 18.22% and a trailing twelve-month return on equity of 9.95%.

Who are First Financial's major shareholders?

First Financial's top institutional shareholders include First Financial Corp IN (6.23%), Dimensional Fund Advisors LP (6.18%), LSV Asset Management (3.38%) and AQR Capital Management LLC (2.56%). Insiders that own company stock include Tina Jane Maher, William Curtis Brighton, Paul Joseph Pierson II, James O Mcdonald, William Randolph Krieble, Susan M Jensen, Mark Jason Sr Blade Sr 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), Southern (SO), Exxon Mobil (XOM), Brookdale Senior Living (BKD), Energy Transfer (ET), Wells Fargo & Company (WFC) and AbbVie (ABBV).

Company Calendar

• Ex-Dividend for 7/15 Dividend: 7/01/2024
• Dividend Payable: 7/15/2024
• Last Earnings: 7/23/2024
• Today: 9/20/2024
• Ex-Dividend for 10/15 Dividend: 10/01/2024
• Dividend Payable: 10/15/2024
• Next Earnings (Estimated): 10/22/2024
• Fiscal Year End: 12/31/2024

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: $45.00
• High Stock Price Target: $45.00
• Low Stock Price Target: $45.00
• Potential Upside/Downside: +1.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $4.69
• Trailing P/E Ratio: 9.42
• Forward P/E Ratio: 10.06
• P/E Growth: N/A
• Net Income: $60.67 million
• Net Margins: 18.22%
• Pretax Margin: 21.48%
• Return on Equity: 9.95%
• Return on Assets: 1.05%

Debt

• Debt-to-Equity Ratio: 0.20
• Current Ratio: 0.79
• Quick Ratio: 0.79

Sales & Book Value

• Annual Sales: $271.10 million
• Price / Sales: 1.92
• Cash Flow: $6.11 per share
• Price / Cash Flow: 7.23
• Book Value: $44.92 per share
• Price / Book: 0.98

Miscellaneous

• Outstanding Shares: 11,810,000
• Free Float: 11,378,000
• Market Cap: $521.77 million
• Optionable: Optionable
• Beta: 0.47