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Company Analysis

First Financial Corporation Ind THFF

A comprehensive view of key metrics, scores, and financial health for First Financial Corporation Ind

Overview of First Financial Corporation

THFF NMS
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
First Financial Corporation (THFF), is a Small Cap company, in the Banks - Regional industry, last closed at $74.98, about 27.5% overvalued vs fair value, +46.4% 1Y return, ranked 301/1037 in sector.
Metrics Rev Growth 49.9% ROE 13.2% Gross Margin 77.7%
USD 74.98
1.31%
(Delayed)
• Vol 90d: 24.7%
52-Week Range
Market Cap
$880.10M
Enterprise Value
$1.23B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.first-online.bank
HQ Terre Haute, IN
Fiscal year Dec 31

Next Events

Earnings Jul 28 Estimated

Fair Value Snapshot

Bear Base Bull
$30
$54
$102
Current: $74.98 -28% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$264.7M
15.9%%
Interest Expense
$75.8M
Net Interest Income
$175.0M
4.6%%
Total Revenue
$326.4M
49.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.6%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$21.6M
45.7% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Financial Corporation Ind's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
68
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
68
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing THFF's balance between Growth (27.2%), Profitability (38.3%), and Safety (34.5%). Growth 27% Safety 34% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

44th percentile vs peers
45
Key Signals
NII Growth YoY 4.6% 60p Asset Growth YoY 3.5% 49p Equity Growth YoY 4.0% 33p EPS Growth YoY -21.3% 20p
Strengths
  • Conservative leverage compared to industry peers
Risks
  • EPS Growth YoY in bottom 20% of peers (-21.3%)

Profitability

62th percentile vs peers
63
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
56
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Financial Corporation Ind.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$54.35
- - -
-27.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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