First Financial Net Income
| THFF Stock | USD 68.07 0.38 0.56% |
As of the 5th of February, First Financial shows the Mean Deviation of 1.37, downside deviation of 1.41, and Coefficient Of Variation of 478.1. In respect to fundamental indicators, the technical analysis model provides you with a way to check existing technical drivers of First Financial, as well as the relationship between them. Please confirm First Financial information ratio, value at risk, as well as the relationship between the Value At Risk and expected short fall to decide if First Financial is priced favorably, providing market reflects its regular price of 68.07 per share. Given that First Financial has jensen alpha of 0.3023, we urge you to verify First Financial's prevailing market performance to make sure the company can sustain itself at a future point.
First Financial Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.867 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 79.2 M | 83.2 M | |
| Net Income Applicable To Common Shares | 81.8 M | 85.9 M | |
| Net Income From Continuing Ops | 54.4 M | 48.4 M | |
| Net Income Per Share | 6.68 | 7.02 | |
| Net Income Per E B T | 0.80 | 0.59 |
First | Net Income | Build AI portfolio with First Stock |
The Net Income trend for First Financial offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether First Financial is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest First Financial's Net Income Growth Pattern
Below is the plot of the Net Income of First Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in First Financial financial statement analysis. It represents the amount of money remaining after all of First Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is First Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in First Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 79.21 M | 10 Years Trend |
|
Net Income |
| Timeline |
First Net Income Regression Statistics
| Arithmetic Mean | 46,180,671 | |
| Geometric Mean | 41,476,188 | |
| Coefficient Of Variation | 42.19 | |
| Mean Deviation | 15,069,690 | |
| Median | 46,583,000 | |
| Standard Deviation | 19,483,036 | |
| Sample Variance | 379.6T | |
| Range | 74.9M | |
| R-Value | 0.89 | |
| Mean Square Error | 87.4T | |
| R-Squared | 0.78 | |
| Slope | 3,416,250 | |
| Total Sum of Squares | 6073.4T |
First Net Income History
Other Fundumenentals of First Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
First Financial Net Income component correlations
First Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for First Financial is extremely important. It helps to project a fair market value of First Stock properly, considering its historical fundamentals such as Net Income. Since First Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of First Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of First Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Regional Banks industry sustain growth momentum? Does First have expansion opportunities? Factors like these will boost the valuation of First Financial. If investors know First will grow in the future, the company's valuation will be higher. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating First Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 1.367 | Dividend Share 2.04 | Earnings Share 6.68 | Revenue Per Share | Quarterly Revenue Growth 0.415 |
Investors evaluate First Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating First Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause First Financial's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between First Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, First Financial's market price signifies the transaction level at which participants voluntarily complete trades.
First Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to First Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of First Financial.
| 11/07/2025 |
| 02/05/2026 |
If you would invest 0.00 in First Financial on November 7, 2025 and sell it all today you would earn a total of 0.00 from holding First Financial or generate 0.0% return on investment in First Financial over 90 days. First Financial is related to or competes with Great Southern, Orrstown Financial, Independent Bank, Camden National, Southern California, MetroCity Bankshares, and SmartFinancial. First Financial Corporation, through its subsidiaries, provides various financial services More
First Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure First Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess First Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.41 | |||
| Information Ratio | 0.1724 | |||
| Maximum Drawdown | 10.39 | |||
| Value At Risk | (1.60) | |||
| Potential Upside | 3.55 |
First Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for First Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as First Financial's standard deviation. In reality, there are many statistical measures that can use First Financial historical prices to predict the future First Financial's volatility.| Risk Adjusted Performance | 0.1597 | |||
| Jensen Alpha | 0.3023 | |||
| Total Risk Alpha | 0.2268 | |||
| Sortino Ratio | 0.2151 | |||
| Treynor Ratio | 0.3576 |
First Financial February 5, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1597 | |||
| Market Risk Adjusted Performance | 0.3676 | |||
| Mean Deviation | 1.37 | |||
| Semi Deviation | 1.1 | |||
| Downside Deviation | 1.41 | |||
| Coefficient Of Variation | 478.1 | |||
| Standard Deviation | 1.75 | |||
| Variance | 3.07 | |||
| Information Ratio | 0.1724 | |||
| Jensen Alpha | 0.3023 | |||
| Total Risk Alpha | 0.2268 | |||
| Sortino Ratio | 0.2151 | |||
| Treynor Ratio | 0.3576 | |||
| Maximum Drawdown | 10.39 | |||
| Value At Risk | (1.60) | |||
| Potential Upside | 3.55 | |||
| Downside Variance | 1.97 | |||
| Semi Variance | 1.22 | |||
| Expected Short fall | (1.67) | |||
| Skewness | 0.5081 | |||
| Kurtosis | 1.26 |
First Financial Backtested Returns
First Financial appears to be very steady, given 3 months investment horizon. First Financial secures Sharpe Ratio (or Efficiency) of 0.2, which denotes the company had a 0.2 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for First Financial, which you can use to evaluate the volatility of the firm. Please utilize First Financial's Coefficient Of Variation of 478.1, downside deviation of 1.41, and Mean Deviation of 1.37 to check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, First Financial holds a performance score of 15. The firm shows a Beta (market volatility) of 1.0, which means possible diversification benefits within a given portfolio. First Financial returns are very sensitive to returns on the market. As the market goes up or down, First Financial is expected to follow. Please check First Financial's expected short fall, and the relationship between the value at risk and daily balance of power , to make a quick decision on whether First Financial's price patterns will revert.
Auto-correlation | 0.75 |
Good predictability
First Financial has good predictability. Overlapping area represents the amount of predictability between First Financial time series from 7th of November 2025 to 22nd of December 2025 and 22nd of December 2025 to 5th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of First Financial price movement. The serial correlation of 0.75 indicates that around 75.0% of current First Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.75 | |
| Spearman Rank Test | 0.69 | |
| Residual Average | 0.0 | |
| Price Variance | 4.95 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
First Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
|
Based on the recorded statements, First Financial reported net income of 79.21 M. This is 93.8% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 86.13% higher than that of the company.
First Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses First Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of First Financial could also be used in its relative valuation, which is a method of valuing First Financial by comparing valuation metrics of similar companies.First Financial is currently under evaluation in net income category among its peers.
First Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, First Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to First Financial's managers, analysts, and investors.Environmental | Governance | Social |
First Financial Institutional Holders
Institutional Holdings refers to the ownership stake in First Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of First Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First Financial's value.| Shares | Jpmorgan Chase & Co | 2025-06-30 | 150.9 K | Hotchkis & Wiley Capital Management Llc | 2025-06-30 | 136.7 K | Nuveen, Llc | 2025-06-30 | 134.7 K | Northern Trust Corp | 2025-06-30 | 124.8 K | Ubs Group Ag | 2025-06-30 | 121.2 K | Renaissance Technologies Corp | 2025-06-30 | 118.8 K | Arrowstreet Capital Limited Partnership | 2025-06-30 | 107.2 K | Hillsdale Investment Management Inc. | 2025-06-30 | 101.3 K | Kennedy Capital Management Inc | 2025-06-30 | 93.6 K | Blackrock Inc | 2025-06-30 | 1.5 M | Vanguard Group Inc | 2025-06-30 | 755.9 K |
First Fundamentals
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0133 | ||||
| Profit Margin | 0.30 % | ||||
| Operating Margin | 0.46 % | ||||
| Current Valuation | 1.06 B | ||||
| Shares Outstanding | 11.85 M | ||||
| Shares Owned By Insiders | 5.01 % | ||||
| Shares Owned By Institutions | 84.31 % | ||||
| Number Of Shares Shorted | 196.02 K | ||||
| Price To Earning | 12.24 X | ||||
| Price To Book | 1.22 X | ||||
| Price To Sales | 3.15 X | ||||
| Revenue | 326.44 M | ||||
| Gross Profit | 250.76 M | ||||
| EBITDA | 108.46 M | ||||
| Net Income | 79.21 M | ||||
| Cash And Equivalents | 336.44 M | ||||
| Cash Per Share | 27.99 X | ||||
| Total Debt | 292.47 M | ||||
| Debt To Equity | 6.26 % | ||||
| Book Value Per Share | 52.51 X | ||||
| Cash Flow From Operations | 60.37 M | ||||
| Short Ratio | 3.57 X | ||||
| Earnings Per Share | 6.68 X | ||||
| Target Price | 62.0 | ||||
| Number Of Employees | 937 | ||||
| Beta | 0.41 | ||||
| Market Capitalization | 790.32 M | ||||
| Total Asset | 5.76 B | ||||
| Retained Earnings | 741.79 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 2.47 % | ||||
| Net Asset | 5.76 B | ||||
| Last Dividend Paid | 2.04 |
About First Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze First Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of First Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of First Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Currently Active Assets on Macroaxis
| FSLY | Fastly Class A | |
| MOB | Mobilicom Limited American | |
| CMG | Chipotle Mexican Grill | |
| CSAN | Cosan SA ADR | |
| RKT | Rocket Companies |
Check out For more detail on how to invest in First Stock please use our How to Invest in First Financial guide.You can also try the USA ETFs module to find actively traded Exchange Traded Funds (ETF) in USA.
Can Regional Banks industry sustain growth momentum? Does First have expansion opportunities? Factors like these will boost the valuation of First Financial. If investors know First will grow in the future, the company's valuation will be higher. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating First Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 1.367 | Dividend Share 2.04 | Earnings Share 6.68 | Revenue Per Share | Quarterly Revenue Growth 0.415 |
Investors evaluate First Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating First Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause First Financial's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between First Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, First Financial's market price signifies the transaction level at which participants voluntarily complete trades.