First Financial Stock Analysis

THFF Stock  USD 67.83  0.24  0.35%   
Below is the normalized historical share price chart for First Financial extending back to March 03, 1992. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of First Financial stands at 67.83, as last reported on the 7th of February, with the highest price reaching 69.19 and the lowest price hitting 67.56 during the day.
IPO Date
3rd of March 1992
200 Day MA
56.3276
50 Day MA
62.2702
Beta
0.411
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
First Financial has over 292.47 Million in debt which may indicate that it relies heavily on debt financing. At this time, First Financial's Short and Long Term Debt is most likely to increase significantly in the upcoming years. The First Financial's current Long Term Debt To Capitalization is estimated to increase to 0.34, while Net Debt is projected to decrease to roughly 103.6 M. First Financial's financial risk is the risk to First Financial stockholders that is caused by an increase in debt.

Asset vs Debt

Equity vs Debt

First Financial's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. First Financial's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps First Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect First Financial's stakeholders.
For many companies, including First Financial, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for First Financial, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, First Financial's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
1.2356
Price Sales
3.1885
Shares Float
11.3 M
Dividend Share
2.09
Wall Street Target Price
66
At this time, First Financial's Stock Based Compensation is most likely to increase significantly in the upcoming years. The First Financial's current Stock Based Compensation To Revenue is estimated to increase to 0.01, while Total Stockholder Equity is projected to decrease to roughly 352.2 M. . At this time, First Financial's Price Earnings To Growth Ratio is most likely to increase slightly in the upcoming years. The First Financial's current Price To Operating Cash Flows Ratio is estimated to increase to 11.86, while Price To Sales Ratio is projected to decrease to 1.98.
First Financial is undervalued with Real Value of 71.07 and Target Price of 66.0. The main objective of First Financial stock analysis is to determine its intrinsic value, which is an estimate of what First Financial is worth, separate from its market price. There are two main types of First Financial's stock analysis: fundamental analysis and technical analysis.
The First Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and First Financial's ongoing operational relationships across important fundamental and technical indicators.
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in First Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
For more detail on how to invest in First Stock please use our How to Invest in First Financial guide.

First Stock Analysis Notes

About 84.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.24. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. First Financial recorded earning per share (EPS) of 6.68. The entity last dividend was issued on the 2nd of January 2026. The firm had 2:1 split on the 16th of October 2003. First Financial Corporation, through its subsidiaries, provides various financial services. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana. First Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 883 people. To find out more about First Financial contact the company at 812 238 6000 or learn more at https://www.first-online.bank.

First Financial Quarterly Total Revenue

70.55 Million

First Financial Investment Alerts

Over 84.0% of the company shares are owned by institutional investors
On 15th of January 2026 First Financial paid $ 0.56 per share dividend to its current shareholders
Latest headline from news.google.com: Insider Buying First Financial Bankshares Director Acquires 500 Shares of Stock - MarketBeat

First Largest EPS Surprises

Earnings surprises can significantly impact First Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
1996-10-29
1996-09-300.290.26-0.0310 
2015-07-28
2015-06-300.60.54-0.0610 
2010-07-22
2010-06-300.530.590.0611 
View All Earnings Estimates

First Financial Environmental, Social, and Governance (ESG) Scores

First Financial's ESG score is a quantitative measure that evaluates First Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of First Financial's operations that may have significant financial implications and affect First Financial's stock price as well as guide investors towards more socially responsible investments.

First Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Jpmorgan Chase & Co2025-06-30
150.9 K
Hotchkis & Wiley Capital Management Llc2025-06-30
136.7 K
Nuveen, Llc2025-06-30
134.7 K
Northern Trust Corp2025-06-30
124.8 K
Ubs Group Ag2025-06-30
121.2 K
Renaissance Technologies Corp2025-06-30
118.8 K
Arrowstreet Capital Limited Partnership2025-06-30
107.2 K
Hillsdale Investment Management Inc.2025-06-30
101.3 K
Kennedy Capital Management Inc2025-06-30
93.6 K
Blackrock Inc2025-06-30
1.5 M
Vanguard Group Inc2025-06-30
755.9 K
Note, although First Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

First Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 808.72 M.

First Profitablity

The company has Profit Margin (PM) of 0.31 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.34 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.34.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.02  0.02 
Return On Assets 0.01  0.01 
Return On Equity 0.12  0.11 

Management Efficiency

First Financial has return on total asset (ROA) of 0.014 % which means that it generated a profit of $0.014 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.132 %, meaning that it created $0.132 on every $100 dollars invested by stockholders. First Financial's management efficiency ratios could be used to measure how well First Financial manages its routine affairs as well as how well it operates its assets and liabilities. The current Return On Tangible Assets is estimated to decrease to 0.01. The current Return On Capital Employed is estimated to decrease to 0.02. At this time, First Financial's Total Current Assets are most likely to increase significantly in the upcoming years. The First Financial's current Intangible Assets is estimated to increase to about 17 M, while Non Current Assets Total are projected to decrease to roughly 183.4 M.
Last ReportedProjected for Next Year
Book Value Per Share 54.91  57.66 
Tangible Book Value Per Share 45.25  47.52 
Enterprise Value Over EBITDA 8.09  15.14 
Price Book Value Ratio 1.10  1.51 
Enterprise Value Multiple 8.09  15.14 
Price Fair Value 1.10  1.51 
Enterprise Value790 M497.4 M
The strategic decisions made by First Financial management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Dividend Yield
0.0309
Operating Margin
0.3424
Profit Margin
0.3123
Forward Dividend Yield
0.0307
Beta
0.411

Technical Drivers

As of the 7th of February, First Financial shows the Mean Deviation of 1.36, coefficient of variation of 449.57, and Downside Deviation of 1.37. 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 67.83 per share. Given that First Financial has jensen alpha of 0.314, 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 Price Movement Analysis

The output start index for this execution was twenty-nine with a total number of output elements of thirty-two.

First Financial Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on First Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Krieble William Randolph over a week ago
Acquisition by Krieble William Randolph of 300 shares of First Financial at 33.94 subject to Rule 16b-3
 
Brighton William Curtis over a month ago
Acquisition by Brighton William Curtis of 1000 shares of First Financial at 48.994 subject to Rule 16b-3
 
Rodger McHargue over six months ago
Acquisition by Rodger McHargue of 3880 shares of First Financial subject to Rule 16b-3
 
Krieble William Randolph over six months ago
Acquisition by Krieble William Randolph of tradable shares of First Financial at 48.0 subject to Rule 16b-3
 
Jensen Susan M over six months ago
Acquisition by Jensen Susan M of tradable shares of First Financial subject to Rule 16b-3
 
Norman Lowery over six months ago
Disposition of 1491 shares by Norman Lowery of First Financial at 43.03 subject to Rule 16b-3
 
Norman Lowery over a year ago
Disposition of 10387 shares by Norman Lowery of First Financial at 46.19 subject to Rule 16b-3
 
Jensen Susan M over a year ago
Acquisition by Jensen Susan M of tradable shares of First Financial at 49.755 subject to Rule 16b-3
 
Jensen Susan M over a year ago
Acquisition by Jensen Susan M of tradable shares of First Financial at 49.93 subject to Rule 16b-3
 
Jensen Susan M over a year ago
Acquisition by Jensen Susan M of tradable shares of First Financial at 43.3 subject to Rule 16b-3
 
Jensen Susan M over a year ago
Acquisition by Jensen Susan M of tradable shares of First Financial at 43.29 subject to Rule 16b-3
 
Panagouleas Stephen P over a year ago
Disposition of tradable shares by Panagouleas Stephen P of First Financial subject to Rule 16b-3

First Financial Outstanding Bonds

First Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

First Financial Predictive Daily Indicators

First Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

First Financial Corporate Filings

8K
3rd of February 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
30th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
13th of January 2026
Other Reports
ViewVerify
F4
5th of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
18th of December 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
9th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
18th of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
6th of November 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

First Financial Forecast Models

First Financial's time-series forecasting models are one of many First Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary First Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

First Financial Bond Ratings

First Financial financial ratings play a critical role in determining how much First Financial have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for First Financial's borrowing costs.
Piotroski F Score
6
HealthyView
Beneish M Score
(3.40)
Unlikely ManipulatorView

First Financial Debt to Cash Allocation

Many companies such as First Financial, eventually find out that there is only so much market out there to be conquered, and adding the next product or service is only half as profitable per unit as their current endeavors. Eventually, the company will reach a point where cash flows are strong, and extra cash is available but not fully utilized. In this case, the company may start buying back its stock from the public or issue more dividends.
First Financial currently holds 292.47 M in liabilities with Debt to Equity (D/E) ratio of 6.26, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about First Financial's use of debt, we should always consider it together with its cash and equity.

First Financial Total Assets Over Time

First Financial Assets Financed by Debt

The debt-to-assets ratio shows the degree to which First Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

First Financial Debt Ratio

    
  4.83   
It seems as most of the First Financial's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the First Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of First Financial, which in turn will lower the firm's financial flexibility.

First Financial Corporate Bonds Issued

Most First bonds can be classified according to their maturity, which is the date when First Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

First Short Long Term Debt Total

Short Long Term Debt Total

197.09 Million

At this time, First Financial's Short and Long Term Debt Total is most likely to increase significantly in the upcoming years.

About First Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how First Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling First shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as First Financial. By using and applying First Stock analysis, traders can create a robust methodology for identifying First entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.30  0.20 
Operating Profit Margin 0.30  0.20 
Net Profit Margin 0.24  0.14 
Gross Profit Margin 0.78  0.56 

Current First Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. First analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. First analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
66.0Buy3Odds
First Financial current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most First analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand First stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of First Financial, talking to its executives and customers, or listening to First conference calls.
First Analyst Advice Details

First Stock Analysis Indicators

First Financial stock analysis indicators help investors evaluate how First Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading First Financial shares will generate the highest return on investment. By understating and applying First Financial stock analysis, traders can identify First Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow93.5 M
Common Stock Shares Outstanding11.9 M
Total Stockholder Equity650.9 M
Quarterly Earnings Growth Y O Y0.314
Property Plant And Equipment Net78.6 M
Cash And Short Term Investments1.3 B
Cash130.8 M
Net Debt162.1 M
50 Day M A62.2702
Total Current Liabilities292.5 M
Other Operating Expenses227.1 M
Non Current Assets Total193 M
Forward Price Earnings8.9445

Complementary Tools for First Stock analysis

When running First Financial's price analysis, check to measure First Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Financial is operating at the current time. Most of First Financial's value examination focuses on studying past and present price action to predict the probability of First Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Financial's price. Additionally, you may evaluate how the addition of First Financial to your portfolios can decrease your overall portfolio volatility.
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