THFF - First Financial Corp-IN Stock Price, Fair Value and News

38.89USD-0.19 (-0.49%)Market Closed

Market Summary

USD38.89-0.19

Market Closed

-0.49%

THFF Alerts

1 major insider buys recently.

THFF Stock Price

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THFF RSI Chart

THFF Valuation

Market Cap

459.5M

Price/Earnings (Trailing)

8.26

Price/Sales (Trailing)

1.97

EV/EBITDA

1.66

Price/Free Cashflow

6.52

THFF Price/Sales (Trailing)

THFF Profitability

EBT Margin

28.33%

Return on Equity

10.68%

Return on Assets

1.15%

Free Cashflow Yield

15.35%

THFF Fundamentals

THFF Revenue

Revenue (TTM)

233.1M

Rev. Growth (Yr)

8.6%

Rev. Growth (Qtr)

1.12%

THFF Earnings

Earnings (TTM)

55.6M

Earnings Growth (Yr)

-31.64%

Earnings Growth (Qtr)

-12.05%

Breaking Down THFF Revenue

Last 7 days

2.6%

Last 30 days

9.4%

Last 90 days

0.5%

Trailing 12 Months

19.3%

How does THFF drawdown profile look like?

THFF Financial Health

THFF Investor Care

Dividend Yield

3.7%

Dividend/Share (TTM)

1.44

Buy Backs (1Y)

2.09%

Diluted EPS (TTM)

4.68

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	233.1M	0	0	0
2023	198.3M	211.4M	221.9M	228.4M
2022	154.5M	159.8M	169.9M	183.3M
2021	156.4M	155.1M	153.7M	152.2M
2020	157.9M	163.9M	163.8M	160.5M
2019	129.5M	129.8M	138.0M	149.1M
2018	115.7M	120.5M	123.1M	126.2M
2017	110.0M	111.0M	112.4M	114.2M
2016	108.8M	109.0M	108.8M	109.4M
2015	111.6M	110.5M	109.7M	108.7M
2014	116.1M	115.9M	114.6M	113.4M
2013	120.1M	117.3M	116.6M	116.2M
2012	118.2M	119.8M	121.1M	122.3M
2011	121.7M	120.2M	118.2M	116.3M
2010	0	125.4M	124.5M	123.6M
2009	0	0	0	126.3M

Get all data in R, Python etc through our Historical Stock Data APIs

GRUFITY'S FAIR VALUE MODEL

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Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

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Tracking the Latest Insider Buys and Sells of First Financial Corp-IN

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 06, 2024	blade mark jason sr	bought	20,209	38.06	531	-
May 03, 2024	jensen susan m	bought	3,421	37.19	92.00	-
Mar 06, 2024	jensen susan m	bought	1,739	37.82	46.00	-
Mar 01, 2024	jensen susan m	acquired	-	-	21.00	-
Feb 28, 2024	pierson paul joseph ii	bought	18,405	36.81	500	-
Feb 07, 2024	jensen susan m	bought	3,522	37.47	94.00	-
Feb 06, 2024	lowery norman d	acquired	-	-	4,273	president & c.e.o.
Feb 06, 2024	lowery norman l	acquired	-	-	13,170	executive chairman
Feb 06, 2024	holliday steven harold	acquired	-	-	3,240	chief credit officer
Feb 06, 2024	mchargue rodger allen	acquired	-	-	3,880	chief financial officer

Which funds bought or sold THFF recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	D. E. Shaw & Co., Inc.	new	-	441,447	441,447	-%
May 15, 2024	Royal Bank of Canada	reduced	-24.35	-165,000	342,000	-%
May 15, 2024	GOLDMAN SACHS GROUP INC	added	21.1	211,058	2,892,000	-%
May 15, 2024	TWO SIGMA INVESTMENTS, LP	added	25.27	89,173	858,592	-%
May 15, 2024	Voya Investment Management LLC	sold off	-100	-239,075	-	-%
May 15, 2024	JACOBS LEVY EQUITY MANAGEMENT, INC	reduced	-10.94	-631,961	2,425,410	0.01%
May 15, 2024	AMERIPRISE FINANCIAL INC	added	5.37	-531,014	8,108,080	-%
May 15, 2024	BARCLAYS PLC	reduced	-16.74	-405,000	1,163,000	-%
May 15, 2024	AQR CAPITAL MANAGEMENT LLC	added	32.51	1,532,200	10,027,000	0.02%
May 15, 2024	STATE STREET CORP	added	-	-2,124,010	17,533,100	-%

Are Funds Buying or Selling THFF?

Are funds buying THFF calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own THFF

No. of Funds

THFF Alerts

1 major insider buys recently.

Unveiling First Financial Corp-IN's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	6.42%	755,135	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	6.0%	703,304	SC 13G
Jan 24, 2024	blackrock inc.	11.0%	1,287,134	SC 13G/A
Feb 09, 2023	vanguard group inc	6.04%	726,353	SC 13G
Jan 26, 2023	blackrock inc.	10.3%	1,236,601	SC 13G/A
Jan 20, 2023	blackrock inc.	10.3%	1,236,601	SC 13G/A
Feb 10, 2022	vanguard group inc	4.89%	629,486	SC 13G/A
Feb 09, 2022	blackrock inc.	10.5%	1,320,213	SC 13G/A
Feb 01, 2022	blackrock inc.	8.8%	1,138,170	SC 13G/A
Feb 12, 2021	princeton mining co inc	8.7%	1,179,074	SC 13G

Recent SEC filings of First Financial Corp-IN

View All Filings

Date Filed	Form Type	Document
May 08, 2024	10-Q	Quarterly Report
May 07, 2024	4	Insider Trading
May 06, 2024	4	Insider Trading
Apr 30, 2024	8-K	Current Report
Apr 17, 2024	8-K	Current Report
Apr 12, 2024	13F-HR	Fund Holdings Report
Mar 19, 2024	4	Insider Trading
Mar 19, 2024	8-K	Current Report
Mar 18, 2024	ARS	ARS
Mar 15, 2024	DEF 14A	DEF 14A

Peers (Alternatives to First Financial Corp-IN)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	581.4B	174.7B	10.55%	50.52%	11.55	3.33	53.11%	19.83%
BAC	306.7B	137.9B	8.26%	42.25%	12.25	2.22	56.12%	-12.56%
WFC	212.8B	85.8B	9.39%	62.33%	11.34	2.48	35.02%	26.14%
C	122.4B	125.0B	9.68%	41.85%	15.31	0.98	37.85%	-
CFG	16.6B	10.4B	11.70%	47.15%	11.61	1.6	26.22%	-33.87%
KEY	14.4B	8.1B	7.90%	66.17%	16.53	1.78	32.15%	-50.93%
MID-CAP
CMA	7.2B	4.2B	8.52%	62.72%	10.4	1.7	34.68%	-45.96%
ZION	6.6B	4.1B	11.66%	93.23%	10.5	1.62	32.93%	-30.73%
ABCB	3.5B	1.3B	11.39%	71.61%	12.26	2.64	30.60%	-12.99%
ASB	3.3B	2.0B	11.00%	55.39%	20.79	1.64	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	414.9M	173.1M	11.64%	37.59%	14.22	2.4	26.54%	-34.86%
ALRS	389.6M	152.4M	-1.20%	38.83%	39.19	2.56	16.94%	-73.84%
ACNB	285.1M	98.7M	3.06%	15.69%	9.69	2.89	6.27%	-22.90%
ASRV	46.3M	62.5M	18.70%	-3.87%	-15.66	0.74	18.83%	-145.18%

First Financial Corp-IN News

Latest updates

First Financial Corp-IN Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	1.1%	59.00	59.00	59.00	56.00	55.00	52.00	48.00	43.00	40.00	39.00	38.00	38.00	37.00	40.00	40.00	39.00	41.00	44.00	40.00	33.00	33.00
EBITDA Margin	-6.7%	1.01*	1.08*	1.15*	1.23*	1.30*	1.41*	1.42*	1.45*	1.48*	1.41*	1.47*	1.44*	-	-	-	-	-	-	-	-	-
Interest Expenses	-1.7%	39.00	40.00	41.00	42.00	44.00	44.00	43.00	40.00	38.00	37.00	36.00	36.00	35.00	38.00	37.00	36.00	36.00	38.00	34.00	30.00	29.00
Income Taxes	31.4%	2.00	2.00	3.00	4.00	4.00	2.00	5.00	4.00	6.00	1.00	4.00	4.00	3.00	3.00	3.00	3.00	3.00	4.00	3.00	3.00	2.00
Earnings Before Taxes	-6.9%	13.00	14.00	19.00	19.00	20.00	19.00	23.00	19.00	27.00	9.00	20.00	21.00	16.00	19.00	17.00	15.00	15.00	18.00	15.00	16.00	12.00
EBT Margin	-10.7%	0.28*	0.32*	0.35*	0.38*	0.41*	0.48*	0.46*	0.47*	0.49*	0.43*	0.49*	0.47*	-	-	-	-	-	-	-	-	-
Net Income	-12.0%	11.00	12.00	16.00	16.00	16.00	17.00	18.00	16.00	21.00	7.00	16.00	17.00	13.00	16.00	14.00	12.00	12.00	14.00	12.00	13.00	10.00
Net Income Margin	-10.2%	0.24*	0.27*	0.29*	0.31*	0.33*	0.39*	0.36*	0.38*	0.40*	0.35*	0.40*	0.38*	-	-	-	-	-	-	-	-	-
Free Cashflow	-38.4%	11.00	19.00	27.00	14.00	21.00	27.00	19.00	12.00	19.00	13.00	15.00	10.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	0.0%	4,853	4,851	4,785	4,877	4,867	4,989	5,009	5,007	5,099	5,175	4,801	4,753	4,681	4,561	4,390	4,368	4,062	4,023	3,988	3,064	3,026
Cash Equivalents	-9.8%	69.00	77.00	75.00	82.00	83.00	223	328	415	602	688	758	678	667	657	388	387	211	127	80.00	61.00	55.00
Net PPE	-0.7%	67.00	67.00	67.00	67.00	68.00	66.00	68.00	69.00	70.00	70.00	63.00	64.00	63.00	62.00	63.00	63.00	63.00	63.00	71.00	46.00	46.00
Goodwill	0%	87.00	87.00	87.00	87.00	87.00	87.00	87.00	87.00	86.00	86.00	79.00	79.00	79.00	79.00	79.00	79.00	79.00	79.00	75.00	34.00	34.00
Liabilities	0.2%	4,332	4,323	4,315	4,380	4,361	4,514	4,571	4,545	4,573	4,593	4,206	4,165	4,083	3,964	3,783	3,778	3,481	3,466	3,432	2,586	2,563
Short Term Borrowings	-	-	-	-	-	-	-	89.00	-	-	93.00	-	-	-	-	-	-	-	-	-	-	-
Shareholder's Equity	-1.4%	521	528	470	497	505	475	439	462	525	583	595	588	598	597	607	590	582	547	557	478	463
Retained Earnings	0.6%	668	664	657	640	631	615	607	589	580	559	560	544	534	521	523	509	504	492	485	473	466
Additional Paid-In Capital	0.2%	144	144	144	144	143	143	143	142	142	142	141	141	141	141	140	140	140	140	139	77.00	77.00
Shares Outstanding	0.2%	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	13.00	13.00	13.00	13.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	358	-	-	-	491	-	-	-	492	-	-	-	472	-	-	-	458	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-37.5%	12,436	19,897	28,467	13,949	23,777	26,491	19,678	12,073	20,545	12,159	15,388	12,328	15,192	24,632	13,080	14,034	25,679	10,761	11,326	13,784	14,030
Cashflow From Investing	96.1%	-1,003	-25,428	40,697	-23,539	-13,828	-80,573	-124,397	-150,452	-78,267	-156,605	29,423	-55,506	-129,468	84,283	-23,613	-127,267	50,349	-5,005	17,621	-23,443	-22,039
Cashflow From Financing	-348.8%	-18,961	7,622	-76,591	9,064	-149,845	-56,843	22,788	-48,158	-28,395	74,353	35,447	54,194	123,652	160,115	12,466	288,706	7,580	41,477	-9,638	15,916	-11,752
Dividend Payments	-	5,304	-	-	6,471	8,912	-	-	6,507	7,952	-	-	6,999	7,182	-	-	7,131	7,142	-	-	6,390	6,258
Buy Backs	-	376	-	8,441	2,691	382	-	417	17,620	9,664	12,052	7,029	22,024	1,366	7,496	-	-	1,724	-	-	-	315

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THFF Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (LOSS) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
INTEREST INCOME:
Loans, including related fees	$ 50,052	$ 44,595
Securities:
Taxable	5,931	6,236
Tax-exempt	2,603	2,598
Other	817	1,271
TOTAL INTEREST INCOME	59,403	54,700
INTEREST EXPENSE:
Deposits	17,731	9,527
Short-term borrowings	976	808
Other borrowings	1,776	30
TOTAL INTEREST EXPENSE	20,483	10,365
NET INTEREST INCOME	38,920	44,335
Provision for credit losses	1,800	1,800
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	37,120	42,535
NON-INTEREST INCOME:
Trust and financial services	1,333	1,317
Service charges and fees on deposit accounts	6,708	6,818
Other service charges and fees	223	204
Interchange income	179	47
Loan servicing fees	269	285
Gain on sales of mortgage loans	176	180
Other	543	524
Total non-interest income	9,431	9,375
NON-INTEREST EXPENSE:
Salaries and employee benefits	17,330	17,158
Occupancy expense	2,359	2,599
Equipment expense	4,144	3,299
FDIC Expense	662	787
Other	8,927	8,478
TOTAL NON-INTEREST EXPENSE	33,422	32,321
INCOME BEFORE INCOME TAXES	13,129	19,589
Provision for income taxes	2,205	3,609
NET INCOME	10,924	15,980
OTHER COMPREHENSIVE INCOME (LOSS)
Change in unrealized gains/(losses) on securities, net of reclassifications and taxes	(11,096)	14,238
Change in funded status of post retirement benefits, net of taxes	73	147
COMPREHENSIVE INCOME (LOSS)	$ (99)	$ 30,365
PER SHARE DATA
Basic Earnings per Share (in dollars per share)	$ 0.93	$ 1.33
Diluted Earnings per Share (in dollars per share)	$ 0.93	$ 1.33
Weighted average number of shares outstanding, basic (in shares)	11,803	12,058
Weighted average number of shares outstanding, diluted (in shares)	11,803	12,058

THFF Balance Sheet

2024-03-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 69,231	$ 76,759
Federal funds sold		282
Securities available-for-sale	1,218,287	1,259,137
Loans	3,184,649	3,160,072
(Less) plus: Net deferred loan (fees)/costs	7,334	7,749
Allowance for credit losses	(40,045)	(39,767)
Loans, net	3,151,938	3,128,054
Restricted stock	15,371	15,364
Accrued interest receivable	23,851	24,877
Premises and equipment, net	66,830	67,286
Bank-owned life insurance	114,683	114,122
Goodwill	86,985	86,985
Other intangible assets	5,351	5,586
Other real estate owned	167	107
Other assets	99,921	72,587
TOTAL ASSETS	4,852,615	4,851,146
Deposits:
Non-interest-bearing	738,478	750,335
Interest-bearing:
Certificates of deposit exceeding the FDIC insurance limits	109,228	92,921
Other interest-bearing deposits	3,257,397	3,246,812
Total Deposits	4,105,103	4,090,068
Short-term borrowings	88,873	67,221
Other borrowings	58,576	108,577
Other liabilities	79,297	57,304
TOTAL LIABILITIES	4,331,849	4,323,170
Shareholders' equity
Common stock, $0.125 stated value per share; Authorized shares - 40,000,000; Issued shares-16,165,023 in 2024 and 16,137,220 in 2023; Outstanding shares - 11,814,093 in 2024 and 11,795,024 in 2023	2,015	2,014
Additional paid-in capital	144,391	144,152
Retained earnings	667,675	663,726
Accumulated other comprehensive loss	(138,110)	(127,087)
Less: Treasury shares at cost - 4,350,930 in 2024 and 4,342,196 in 2023	(155,205)	(154,829)
TOTAL SHAREHOLDERS' EQUITY	520,766	527,976
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	4,852,615	4,851,146
Commercial
ASSETS
Loans	1,816,854	1,817,526
Residential
ASSETS
Loans	710,496	695,788
Consumer
ASSETS
Loans	$ 657,299	$ 646,758

About First Financial Corp-IN

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. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.

CEO	Mr. Norman L. Lowery
WEBSITE	first-online.bank
INDUSTRY	Banks Diversified
EMPLOYEES	900

First Financial Corp-IN Frequently Asked Questions

What is the ticker symbol for First Financial Corp-IN? What does THFF stand for in stocks?

THFF is the stock ticker symbol of First Financial Corp-IN. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of First Financial Corp-IN (THFF)?

As of Wed May 15 2024, market cap of First Financial Corp-IN is 461.69 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of THFF stock?

You can check THFF's fair value in chart for subscribers.

What is the fair value of THFF stock?

You can check THFF's fair value in chart for subscribers. The fair value of First Financial Corp-IN is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of First Financial Corp-IN is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for THFF so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is First Financial Corp-IN a good stock to buy?

The fair value guage provides a quick view whether THFF is over valued or under valued. Whether First Financial Corp-IN is cheap or expensive depends on the assumptions which impact First Financial Corp-IN's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for THFF.

What is First Financial Corp-IN's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed May 15 2024, THFF's PE ratio (Price to Earnings) is 8.3 and Price to Sales (PS) ratio is 1.98. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. THFF PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on First Financial Corp-IN's stock?

In the past 10 years, First Financial Corp-IN has provided 0.047 (multiply by 100 for percentage) rate of return.