View Past PerformanceFirst Financial バランスシートの健全性財務の健全性 基準チェック /66First Financialの総資産は$6.2B 、総資本は$675.8Mです。預金総額は$4.8B 、ローン総額は$4.4Bです。純金利マージンは4.3% 。不良債権に対する十分な引当金があり、現在、総融資額の0.6%ます。現金および短期投資は$96.6Mです。主要情報9.1x自己資本比率4.3%純金利マージン預金総額US$4.83b預貸率適切不良債権0.6%貸倒引当金十分流動比率低い現金および同等物US$96.63m財務の健全性に関する最新情報更新なしすべての更新を表示Recent updatesSeeking Alpha • Jul 29First Financial: Strong Q2 But Limited Upside Given Valuation (Rating Downgrade)Summary First Financial has rallied 40%+ over the past year, driven by strong credit underwriting and fixed asset reinvestment tailwinds. Q2 earnings were robust, with EPS rising to $1.91 and net interest margin expanding to 4.33%, supported by a favorable deposit mix and loan growth. THFF’s capital position remains strong, enabling both organic and inorganic growth, but organic deposit growth is limited, and valuation now exceeds 10x earnings. I downgrade THFF to 'hold' after the run-up, seeing limited upside above 11x forward earnings (~$84), but no urgency to sell given ongoing tailwinds. Read the full article on Seeking AlphaReported Earnings • Jul 28Second quarter 2026 earnings: EPS exceeds analyst expectationsSecond quarter 2026 results: EPS: US$1.91 (up from US$1.57 in 2Q 2025). Revenue: US$71.3m (up 17% from 2Q 2025). Net income: US$22.7m (up 22% from 2Q 2025). Profit margin: 32% (up from 30% in 2Q 2025). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 9.1%. Revenue is forecast to grow 7.9% p.a. on average during the next 2 years, compared to a 7.8% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has increased by 28% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Jul 28First Financial Corporation Reports Net Charge-Offs for the Second Quarter Ended June 30, 2026First Financial Corporation reported net charge-offs for the second quarter ended June 30, 2026. For the quarter, net charge-offs were $2.7 million compared to $1.7 million in the same period of 2025.お知らせ • Jun 29+ 6 more updatesFirst Financial Corporation(NasdaqGS:THFF) dropped from Russell Small Cap Comp Growth BenchmarkFirst Financial Corporation(NasdaqGS:THFF) dropped from Russell Small Cap Comp Growth BenchmarkDeclared Dividend • Jun 21First quarter dividend of US$0.56 announcedShareholders will receive a dividend of US$0.56. Ex-date: 1st July 2026 Payment date: 15th July 2026 Dividend yield will be 3.0%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 8.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 6.0% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Jun 17First Financial Corporation Declares Quarterly Dividend, Payable on July 15, 2026The directors of First Financial Corporation have declared a quarterly dividend of 56 cents per share payable on July 15, 2026, to shareholders of record at the close of business July 1, 2026.Reported Earnings • Apr 28First quarter 2026 earnings: EPS exceeds analyst expectationsFirst quarter 2026 results: EPS: US$1.67 (up from US$1.55 in 1Q 2025). Revenue: US$65.6m (up 8.4% from 1Q 2025). Net income: US$19.8m (up 7.6% from 1Q 2025). Profit margin: 30% (in line with 1Q 2025). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 2.1%. Revenue is forecast to grow 9.0% p.a. on average during the next 2 years, compared to a 8.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has increased by 27% per year, which means it is tracking significantly ahead of earnings growth.Declared Dividend • Mar 20Fourth quarter dividend of US$0.56 announcedShareholders will receive a dividend of US$0.56. Ex-date: 1st April 2026 Payment date: 15th April 2026 Dividend yield will be 3.5%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (31% payout ratio) and is expected to be well covered in 3 years' time (21% forecast payout ratio). The dividend has increased by an average of 8.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 11% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Mar 18+ 1 more updateFirst Financial Corporation, Annual General Meeting, Apr 15, 2026First Financial Corporation, Annual General Meeting, Apr 15, 2026.Reported Earnings • Mar 05Full year 2025 earnings: EPS and revenues exceed analyst expectationsFull year 2025 results: EPS: US$6.68 (up from US$4.00 in FY 2024). Revenue: US$253.6m (up 26% from FY 2024). Net income: US$79.2m (up 68% from FY 2024). Profit margin: 31% (up from 24% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 4.29% (up from 3.71% in FY 2024). Non-performing loans: 0.71% (up from 0.35% in FY 2024). Revenue exceeded analyst estimates by 1.6%. Earnings per share (EPS) also surpassed analyst estimates by 1.3%. Revenue is forecast to grow 8.8% p.a. on average during the next 2 years, compared to a 8.7% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 15% per year, which means it is tracking significantly ahead of earnings growth.New Risk • Mar 03New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$143k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Significant insider selling over the past 3 months (US$143k sold).Recent Insider Transactions • Mar 03Senior VP & Chief Lending Officer recently sold US$143k worth of stockOn the 2nd of March, Mark Franklin sold around 2k shares on-market at roughly US$64.60 per share. This transaction amounted to 23% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought US$164k more than they sold in the last 12 months.お知らせ • Mar 03First Financial Corporation (NasdaqGS:THFF) completed the acquisition of CedarStone Financial, Inc.First Financial Corporation (NasdaqGS:THFF) entered into an Agreement to acquire CedarStone Financial, Inc. for approximately $24.8 million on November 6, 2025. A cash consideration valued at $19.12 per share will be paid by First Financial Corporation. In case of termination of transaction, seller will pay a termination fee of $1 million. The Merger Agreement was unanimously approved by the Boards of Directors of First Financial and CedarStone and is subject to approval of CedarStone's shareholders, regulatory approvals, and other customary closing conditions. The Merger will close in the first quarter of 2026. Raymond James & Associates, Inc. acted as financial advisor to and John W. Tanselle of Amundsen Davis, LLC acted as legal advisor to First Financial. Forvis Mazars Capital Advisors, LLC acted as financial advisor and D. Taylor Tipton of Baker, Donelson, Bearman, Caldwell & Berkowitz, PC acted as legal advisor to CedarStone. Hovde Group, LLC issued an independent fairness opinion to CedarStone. First Financial Corporation (NasdaqGS:THFF) completed the acquisition of CedarStone Financial, Inc. on March 1, 2026.Price Target Changed • Feb 19Price target increased by 15% to US$71.50Up from US$62.00, the current price target is an average from 2 analysts. New target price is 8.4% above last closing price of US$65.93. Stock is up 27% over the past year. The company is forecast to post earnings per share of US$7.08 for next year compared to US$6.68 last year.Price Target Changed • Feb 17Price target increased by 9.7% to US$68.00Up from US$62.00, the current price target is provided by 1 analyst. New target price is approximately in line with last closing price of US$66.96. Stock is up 29% over the past year. The company is forecast to post earnings per share of US$7.10 for next year compared to US$6.68 last year.Price Target Changed • Feb 04Price target increased by 11% to US$68.00Up from US$61.50, the current price target is provided by 1 analyst. New target price is approximately in line with last closing price of US$67.69. Stock is up 30% over the past year. The company is forecast to post earnings per share of US$7.10 for next year compared to US$6.68 last year.お知らせ • Feb 04First Financial Corporation Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2025First Financial Corporation reported net charge-offs for the fourth quarter ended December 31, 2025. In the fourth quarter of 2025 net charge-offs were $1,766,000 compared to $1,437,000 in the same period of 2024.分析記事 • Dec 22First Financial (NASDAQ:THFF) Is Increasing Its Dividend To $0.56First Financial Corporation ( NASDAQ:THFF ) will increase its dividend on the 15th of January to $0.56, which is 9.8...Declared Dividend • Dec 22Third quarter dividend increased to US$0.56Dividend of US$0.56 is 9.8% higher than last year. Ex-date: 2nd January 2026 Payment date: 15th January 2026 Dividend yield will be 3.3%, which is about the same as the industry average. Sustainability & Growth Dividend is well covered by earnings (33% payout ratio) and is expected to be well covered in 3 years' time (30% forecast payout ratio). The dividend has increased by an average of 7.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 10% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Dec 18First Financial Corporation Declares Quarterly Dividend, Payable on January 15, 2026The directors of First Financial Corporation have declared a dividend of 56 cents per share payable on January 15, 2026, to shareholders of record at the close of business January 2, 2026.お知らせ • Nov 07First Financial Corporation (NasdaqGS:THFF) entered into an Agreement to acquire CedarStone Financial, Inc.First Financial Corporation (NasdaqGS:THFF) entered into an Agreement to acquire CedarStone Financial, Inc. for approximately $24.8 million on November 6, 2025. A cash consideration valued at $19.12 per share will be paid by First Financial Corporation. In case of termination of transaction, seller will pay a termination fee of $1 million. The Merger Agreement was unanimously approved by the Boards of Directors of First Financial and CedarStone and is subject to approval of CedarStone's shareholders, regulatory approvals, and other customary closing conditions. The Merger will close in the first quarter of 2026. Raymond James & Associates, Inc. acted as financial advisor to and John W. Tanselle of Amundsen Davis, LLC acted as legal advisor to First Financial. Forvis Mazars Capital Advisors, LLC acted as financial advisor and D. Taylor Tipton of Baker, Donelson, Bearman, Caldwell & Berkowitz, PC acted as legal advisor to CedarStone. Hovde Group, LLC issued an independent fairness opinion to CedarStone.Reported Earnings • Oct 29Third quarter 2025 earnings: EPS and revenues exceed analyst expectationsThird quarter 2025 results: EPS: US$1.75 (up from US$0.74 in 3Q 2024). Revenue: US$63.8m (up 30% from 3Q 2024). Net income: US$20.8m (up 138% from 3Q 2024). Profit margin: 33% (up from 18% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.5%. Earnings per share (EPS) also surpassed analyst estimates by 10%. Revenue is forecast to grow 5.1% p.a. on average during the next 3 years, compared to a 8.1% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings.お知らせ • Oct 29First Financial Corporation Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025First Financial Corporation reported net charge-offs for the third quarter ended September 30, 2025. For the quarter, the company reported net charge-offs of $1.6 million compared to $4.6 million in the same period of 2024.Recent Insider Transactions • Oct 18Insider recently bought US$120k worth of stockOn the 13th of October, James McDonald bought around 2k shares on-market at roughly US$52.25 per share. This transaction amounted to 24% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$443k more in shares than they have sold in the last 12 months.Declared Dividend • Sep 21Second quarter dividend of US$0.51 announcedShareholders will receive a dividend of US$0.51. Ex-date: 1st October 2025 Payment date: 15th October 2025 Dividend yield will be 3.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 7.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 9.9% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Sep 18First Financial Corporation Declares Quarterly Dividend, Payable on October 15, 2025The directors of First Financial Corporation have declared a dividend of 51 cents per share payable on October 15, 2025, to shareholders of record at the close of business October 1, 2025.Price Target Changed • Jul 29Price target increased by 8.8% to US$61.50Up from US$56.50, the current price target is an average from 2 analysts. New target price is 11% above last closing price of US$55.21. Stock is up 22% over the past year. The company is forecast to post earnings per share of US$6.29 for next year compared to US$4.00 last year.Reported Earnings • Jul 22Second quarter 2025 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2025 results: EPS: US$1.57 (up from US$0.96 in 2Q 2024). Revenue: US$61.1m (up 32% from 2Q 2024). Net income: US$18.6m (up 64% from 2Q 2024). Profit margin: 30% (up from 25% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) also surpassed analyst estimates by 12%. Revenue is forecast to grow 8.7% p.a. on average during the next 2 years, compared to a 7.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.お知らせ • Jul 22First Financial Corporation Reports Net Charge-Offs for the Second Quarter of 2025First Financial Corporation reported net charge-offs for the second quarter of 2025. For the period, the company reported net charge-offs were $1.8 million compared to $1.5 million in the same period of 2024.Declared Dividend • Jun 23First quarter dividend of US$0.51 announcedShareholders will receive a dividend of US$0.51. Ex-date: 1st July 2025 Payment date: 15th July 2025 Dividend yield will be 3.9%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 7.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 13% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Jun 19First Financial Corporation Declares Quarterly Dividend, Payable on July 15, 2025The directors of First Financial Corporation declared a quarterly dividend of 51 cents per share payable on July 15, 2025, to shareholders of record at the close of business July 1, 2025.Price Target Changed • Apr 28Price target increased by 7.6% to US$56.67Up from US$52.67, the current price target is an average from 3 analysts. New target price is 15% above last closing price of US$49.18. Stock is up 34% over the past year. The company is forecast to post earnings per share of US$5.95 for next year compared to US$4.00 last year.お知らせ • Apr 23First Financial Corporation Reports Net Charge-Offs for the First Quarter Ended March 31, 2025First Financial Corporation reported net charge-offs for the first quarter ended March 31, 2025. In the first quarter of 2025 net charge-offs were $1.8 million compared to $1.5 million in the same period of 2024.Reported Earnings • Apr 22First quarter 2025 earnings: EPS exceeds analyst expectationsFirst quarter 2025 results: EPS: US$1.55 (up from US$0.93 in 1Q 2024). Revenue: US$60.5m (up 30% from 1Q 2024). Net income: US$18.4m (up 69% from 1Q 2024). Profit margin: 30% (up from 24% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 20%. Revenue is forecast to grow 10% p.a. on average during the next 2 years, compared to a 7.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.Declared Dividend • Mar 23Fourth quarter dividend of US$0.51 announcedShareholders will receive a dividend of US$0.51. Ex-date: 1st April 2025 Payment date: 15th April 2025 Dividend yield will be 3.9%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (46% payout ratio) and is expected to be well covered in 3 years' time (37% forecast payout ratio). The dividend has increased by an average of 7.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 36% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Mar 20First Financial Corporation Declares Quarterly Dividend, Payable on April 15, 2025The directors of First Financial Corporation have declared a dividend of 51 cents per share payable on April 15, 2025, to shareholders of record at the close of business April 1, 2025.お知らせ • Mar 18First Financial Corporation, Annual General Meeting, Apr 16, 2025First Financial Corporation, Annual General Meeting, Apr 16, 2025.Recent Insider Transactions • Mar 14Independent Director recently bought US$98k worth of stockOn the 12th of March, William Brighton bought around 2k shares on-market at roughly US$48.99 per share. This transaction amounted to 9.1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$347k more in shares than they have sold in the last 12 months.Reported Earnings • Mar 06Full year 2024 earnings: EPS and revenues miss analyst expectationsFull year 2024 results: EPS: US$4.00 (down from US$5.08 in FY 2023). Revenue: US$201.6m (flat on FY 2023). Net income: US$47.3m (down 22% from FY 2023). Profit margin: 24% (down from 30% in FY 2023). Net interest margin (NIM): 3.71% (down from 3.78% in FY 2023). Non-performing loans: 0.35% (down from 0.78% in FY 2023). Revenue missed analyst estimates by 1.2%. Earnings per share (EPS) also missed analyst estimates by 1.7%. Revenue is forecast to grow 12% p.a. on average during the next 2 years, compared to a 7.2% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 3% per year, which means it is well ahead of earnings.お知らせ • Feb 05First Financial Corporation Reports Net Charge-Off for the Fourth Quarter Ended December 31, 2024First Financial Corporation reported net charge-off for the fourth quarter ended December 31, 2024. Fourth quarter net charge-offs were $1.4 million compared to $1.8 million in the same period of 2023.Reported Earnings • Feb 04Full year 2024 earnings: EPS and revenues miss analyst expectationsFull year 2024 results: EPS: US$4.00 (down from US$5.08 in FY 2023). Revenue: US$201.6m (flat on FY 2023). Net income: US$47.3m (down 22% from FY 2023). Profit margin: 24% (down from 30% in FY 2023). Revenue missed analyst estimates by 1.2%. Earnings per share (EPS) also missed analyst estimates by 1.7%. Revenue is forecast to grow 11% p.a. on average during the next 2 years, compared to a 7.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings.分析記事 • Dec 24First Financial (NASDAQ:THFF) Is Increasing Its Dividend To $0.51The board of First Financial Corporation ( NASDAQ:THFF ) has announced that the dividend on 15th of January will be...Declared Dividend • Dec 23Third quarter dividend increased to US$0.51Dividend of US$0.51 is 13% higher than last year. Ex-date: 3rd January 2025 Payment date: 15th January 2025 Dividend yield will be 4.0%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (49% payout ratio) and is expected to be well covered in 3 years' time (36% forecast payout ratio). The dividend has increased by an average of 6.5% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 40% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Price Target Changed • Dec 20Price target increased by 9.7% to US$51.00Up from US$46.50, the current price target is an average from 3 analysts. New target price is 9.4% above last closing price of US$46.61. Stock is up 5.7% over the past year. The company is forecast to post earnings per share of US$4.07 for next year compared to US$5.08 last year.お知らせ • Dec 18First Financial Corporation Declares Quarterly Dividend, Payable on January 15, 2025The directors of First Financial Corporation declared a dividend of 51 cents per share payable on January 15, 2025, to shareholders of record at the close of business January 3, 2025.Valuation Update With 7 Day Price Move • Nov 06Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$50.23, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 12x in the Banks industry in the US. Total returns to shareholders of 23% over the past three years.Seeking Alpha • Nov 06First Financial: A Middle-Of-The-Pack ProspectSummary First Financial Corporation, a small Indiana-based financial holding firm, has seen mixed financial results and recent profitability disappointments, leading to a 'hold' rating. Despite growth in loans and deposits due to the SimplyBank acquisition, the company's valuation and asset quality are not particularly compelling. Net interest income has declined, and non-interest income remains stagnant, with rising non-interest expenses further impacting net profits. First Financial's price-to-earnings and price-to-book multiples suggest it is fairly valued but not a standout compared to peers, justifying a 'hold' rating. Read the full article on Seeking AlphaReported Earnings • Oct 23Third quarter 2024 earnings: EPS misses analyst expectationsThird quarter 2024 results: EPS: US$0.74 (down from US$1.37 in 3Q 2023). Revenue: US$49.0m (down 5.0% from 3Q 2023). Net income: US$8.74m (down 46% from 3Q 2023). Profit margin: 18% (down from 32% in 3Q 2023). The decrease in margin was primarily driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 18%. Revenue is forecast to grow 10% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 1% per year whereas the company’s share price has remained flat.Upcoming Dividend • Sep 24Upcoming dividend of US$0.45 per shareEligible shareholders must have bought the stock before 01 October 2024. Payment date: 15 October 2024. Payout ratio is a comfortable 31% and this is well supported by cash flows. Trailing yield: 4.1%. Lower than top quartile of American dividend payers (4.3%). Higher than average of industry peers (2.9%).お知らせ • Sep 19First Financial Corporation Declares Quarterly Dividend, Payable on October 15, 2024The directors of First Financial Corporation declared a dividend of 45 cents per share payable on October 15, 2024, to shareholders of record at the close of business October 1, 2024.Price Target Changed • Aug 01Price target increased by 11% to US$47.00Up from US$42.50, the current price target is an average from 2 analysts. New target price is 8.6% above last closing price of US$43.27. Stock is up 14% over the past year. The company is forecast to post earnings per share of US$4.03 for next year compared to US$5.08 last year.Reported Earnings • Jul 24Second quarter 2024 earnings: EPS in line with expectations, revenues disappointSecond quarter 2024 results: EPS: US$0.96 (down from US$1.33 in 2Q 2023). Revenue: US$46.2m (down 9.1% from 2Q 2023). Net income: US$11.4m (down 29% from 2Q 2023). Profit margin: 25% (down from 31% in 2Q 2023). Revenue missed analyst estimates by 2.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 15% p.a. on average during the next 2 years, compared to a 6.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 4% per year and the company’s share price has also increased by 4% per year.お知らせ • Jul 24First Financial Corporation Reports Net Charge Offs for the Second Quarter Ended June 30, 2024First Financial Corporation reported net charge offs for the second quarter ended June 30, 2024. for the quarter, the company reported net charge-offs were $4.677 million compared to $1.513 million in the same period of 2023.Valuation Update With 7 Day Price Move • Jul 15Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$42.19, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 11x in the Banks industry in the US. Total returns to shareholders of 19% over the past three years.お知らせ • Jun 25First Financial Corporation Declares Quarterly Dividend, Payable July 15, 2024First Financial Corporation declared a dividend of 45 cents per share payable on July 15, 2024, to shareholders of record at the close of business July 1, 2024.Reported Earnings • May 03First quarter 2024 earnings: EPS and revenues miss analyst expectationsFirst quarter 2024 results: EPS: US$0.93 (down from US$1.33 in 1Q 2023). Revenue: US$46.6m (down 10% from 1Q 2023). Net income: US$10.9m (down 32% from 1Q 2023). Profit margin: 24% (down from 31% in 1Q 2023). Revenue missed analyst estimates by 4.8%. Earnings per share (EPS) also missed analyst estimates by 5.1%. Revenue is forecast to grow 12% p.a. on average during the next 2 years, compared to a 6.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.お知らせ • May 03First Financial Corporation Reports Net Charge-Off for the First Quarter Ended March 31, 2024First Financial Corporation reported net charge-off for the first quarter ended March 31, 2024. For the period, the company reported net charge-offs were $1,522,000 compared to $1,959,000 in the same period of 2023.Major Estimate Revision • May 02Consensus EPS estimates fall by 14%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has deteriorated. 2024 revenue forecast decreased from US$229.8m to US$220.5m. EPS estimate also fell from US$4.44 per share to US$3.82 per share. Net income forecast to shrink 26% next year vs 1.5% growth forecast for Banks industry in the US . Consensus price target down from US$43.50 to US$42.50. Share price was steady at US$37.51 over the past week.お知らせ • Mar 20First Financial Corporation Declares Quarterly Dividend, Payable on April 15, 2024The directors of First Financial Corporation have declared a dividend of 45 cents per share payable on April 15, 2024, to shareholders of record at the close of business April 1, 2024.お知らせ • Mar 16First Financial Corporation, Annual General Meeting, Apr 17, 2024First Financial Corporation, Annual General Meeting, Apr 17, 2024, at 11:00 Eastern Daylight. Location: One First Financial Plaza Terre Haute Indiana United States Agenda: To elect nominees to the Board of Directors of the Corporation for a term expiring in 2027 or until each of their successors are duly elected and qualified; to conduct a non-binding advisory vote to approve the compensation of Named Executive Officers as described in the Proxy Statement; to ratify the appointment of Crowe LLP as independent registered public accounting firm for the fiscal year ending December 31, 2024; and to transact such other business as may properly be presented at the meeting or any adjournment or postponement thereof.Reported Earnings • Mar 12Full year 2023 earnings: EPS and revenues miss analyst expectationsFull year 2023 results: EPS: US$5.08 (down from US$5.82 in FY 2022). Revenue: US$202.7m (down 6.9% from FY 2022). Net income: US$60.7m (down 15% from FY 2022). Profit margin: 30% (down from 33% in FY 2022). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 3.78% (up from 3.54% in FY 2022). Non-performing loans: 0.78% (up from 0.31% in FY 2022). Revenue missed analyst estimates by 1.7%. Earnings per share (EPS) also missed analyst estimates by 1.6%. Revenue is forecast to grow 9.3% p.a. on average during the next 2 years, compared to a 5.9% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.New Risk • Feb 11New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.08% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.08% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.Major Estimate Revision • Feb 06Consensus EPS estimates fall by 11%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has deteriorated. 2024 revenue forecast decreased from US$233.0m to US$229.8m. EPS estimate also fell from US$4.63 per share to US$4.14 per share. Net income forecast to shrink 21% next year vs 3.8% decline forecast for Banks industry in the US. Consensus price target down from US$44.50 to US$43.00. Share price fell 12% to US$37.13 over the past week.Reported Earnings • Jan 30Full year 2023 earnings: EPS and revenues miss analyst expectationsFull year 2023 results: EPS: US$5.08 (down from US$5.82 in FY 2022). Revenue: US$202.7m (down 6.9% from FY 2022). Net income: US$60.7m (down 15% from FY 2022). Profit margin: 30% (down from 33% in FY 2022). The decrease in margin was driven by lower revenue. Revenue missed analyst estimates by 1.7%. Earnings per share (EPS) also missed analyst estimates by 1.6%. Revenue is forecast to grow 9.9% p.a. on average during the next 2 years, compared to a 5.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.Price Target Changed • Jan 10Price target increased by 7.2% to US$44.50Up from US$41.50, the current price target is an average from 2 analysts. New target price is 8.2% above last closing price of US$41.13. Stock is down 9.2% over the past year. The company is forecast to post earnings per share of US$5.12 for next year compared to US$5.82 last year.お知らせ • Dec 27First Financial Corporation and First Financial Bank N.A Announces Retirement of Steven H. Holliday as Chief Credit Officer Effective June 28, 2024On December 26, 2023, First Financial Corporation (the “Corporation”) announced that Steven H. Holliday, the Chief Credit Officer of the Corporation and First Financial Bank N.A., and a named executive officer for the Corporation’s 2023 fiscal year, will retire effective June 28, 2024.Upcoming Dividend • Dec 22Upcoming dividend of US$0.45 per share at 2.1% yieldEligible shareholders must have bought the stock before 29 December 2023. Payment date: 16 January 2024. Payout ratio is a comfortable 20% and this is well supported by cash flows. Trailing yield: 2.1%. Lower than top quartile of American dividend payers (4.6%). Lower than average of industry peers (3.2%).お知らせ • Nov 22First Financial Corporation Declares Quarterly Dividend, Payable on January 16, 2024The directors of First Financial Corporation have declared a dividend of 45 cents per share payable on January 16, 2024, to shareholders of record at the close of business January 2, 2024. The Corporation further announced its intention to pay dividends quarterly as opposed to semi-annually as in the past.Reported Earnings • Oct 25Third quarter 2023 earnings: EPS exceeds analyst expectationsThird quarter 2023 results: EPS: US$1.37 (down from US$1.50 in 3Q 2022). Revenue: US$51.6m (down 4.8% from 3Q 2022). Net income: US$16.3m (down 9.8% from 3Q 2022). Profit margin: 32% (down from 33% in 3Q 2022). The decrease in margin was driven by lower revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 17%. Revenue is forecast to stay flat during the next 2 years compared to a 4.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.お知らせ • Oct 22First Financial Corporation Announces CEO TransitionFirst Financial Corporation announced a leadership transition. Norman D. Lowery, Senior Vice President and Chief Operating Officer of the Company will succeed his father, Norman L. Lowery, as Chief Executive Officer on January 1, 2024. Norman L. Lowery, the Company's current Chairman, President and Chief Executive Officer, will serve as Executive Chairman of the Board through December 31, 2024, at which time he will transition to the role of non-executive Chairman of the Board. In his role as Chief Operating Officer, Norman has driven continued improvement in operational execution as the company have grown in size and expanded the footprint of business. During his 33 years with First Financial, Norman has developed a deep knowledge of varied lines of business and the communities are so fortunate to serve. Norman D. Lowery, 55, was named Chief Operating Officer in 2010 and was first elected to the Company's board of directors in 2020. Norman L. Lowery, 76, joined the Company's board of directors in 1989 and was appointed Chairman of the Board in 2020. He has served as the Chairman, President and Chief Executive Officer of First Financial Bank, N.A. since 1996 and was named Chief Executive Officer and President of the Company in 2004 and 2013, respectively.お知らせ • Oct 21First Financial Corporation Announces Executive TransitionFirst Financial Corporation announced a leadership transition. Norman D. Lowery, Senior Vice President and Chief Operating Officer of the Company will succeed his father, Norman L. Lowery, as President and Chief Executive Officer on January 1, 2024. Norman L. Lowery, the Company's current Chairman, President and Chief Executive Officer, will serve as Executive Chairman of the Board through December 31, 2024, at which time he will transition to the role of non-executive Chairman of the Board. In his role as Chief Operating Officer, Norman has driven continued improvement in operational execution as the company have grown in size and expanded the footprint of business. During his 33 years with First Financial, Norman has developed a deep knowledge of varied lines of business and the communities are so fortunate to serve. Norman D. Lowery, 55, was named Chief Operating Officer in 2010 and was first elected to the Company's board of directors in 2020. Norman L. Lowery, 76, joined the Company's board of directors in 1989 and was appointed Chairman of the Board in 2020. He has served as the Chairman, President and Chief Executive Officer of First Financial Bank, N.A. since 1996 and was named Chief Executive Officer and President of the Company in 2004 and 2013, respectively.お知らせ • Jul 26First Financial Corporation Reports Net Charge-Offs Second Quarter Ended June 30, 2023First Financial Corporation reported net charge-offs Second Quarter ended June 30, 2023. For the quarter, the company reported net charge-offs were $1.5 million compared to net recoveries of $202 thousand in the same period of 2022.Reported Earnings • Jul 25Second quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behindSecond quarter 2023 results: EPS: US$1.33 (up from US$1.28 in 2Q 2022). Revenue: US$50.8m (up 11% from 2Q 2022). Net income: US$16.0m (up 2.4% from 2Q 2022). Profit margin: 31% (down from 34% in 2Q 2022). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 2.3%. Earnings per share (EPS) exceeded analyst estimates by 9.3%. Revenue is forecast to grow 1.5% p.a. on average during the next 2 years, compared to a 4.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Jun 08Upcoming dividend of US$0.54 per share at 2.9% yieldEligible shareholders must have bought the stock before 15 June 2023. Payment date: 03 July 2023. Payout ratio is a comfortable 20% and this is well supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of American dividend payers (5.0%). Lower than average of industry peers (3.6%).分析記事 • Jun 03First Financial (NASDAQ:THFF) Is Paying Out A Dividend Of $0.54First Financial Corporation's ( NASDAQ:THFF ) investors are due to receive a payment of $0.54 per share on 3rd of July...分析記事 • May 20First Financial (NASDAQ:THFF) Will Pay A Dividend Of $0.54First Financial Corporation's ( NASDAQ:THFF ) investors are due to receive a payment of $0.54 per share on 3rd of July...お知らせ • May 18First Financial Corporation Declares Semi-Annual Dividend, Payable on July 3, 2023First Financial Corporation have declared a semi-annual dividend of 54 cents per share payable on July 3, 2023, to shareholders of record at the close of business June 16, 2023. Today’s declaration increases the total dividend paid in 2023 to $1.28 per share, a 9.4% increase from 2022 and is the Corporation’s 35th consecutive year of increased regular dividends.Recent Insider Transactions • May 12Independent Director recently bought US$64k worth of stockOn the 9th of May, Thomas Martin bought around 2k shares on-market at roughly US$32.15 per share. This transaction amounted to 40% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$350k more in shares than they have sold in the last 12 months.Price Target Changed • May 03Price target decreased by 8.9% to US$46.00Down from US$50.50, the current price target is an average from 2 analysts. New target price is 40% above last closing price of US$32.87. Stock is down 24% over the past year. The company is forecast to post earnings per share of US$4.90 for next year compared to US$5.82 last year.Reported Earnings • Apr 26First quarter 2023 earnings: Revenues miss analyst expectationsFirst quarter 2023 results: Revenue: US$51.9m (down 11% from 1Q 2022). Net income: US$16.0m (down 24% from 1Q 2022). Profit margin: 31% (down from 36% in 1Q 2022). The decrease in margin was driven by lower revenue. Revenue missed analyst estimates by 2.3%. Revenue is forecast to grow 1.8% p.a. on average during the next 2 years, compared to a 3.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.Recent Insider Transactions • Mar 14Independent Director recently bought US$60k worth of stockOn the 10th of March, Paul Pierson bought around 2k shares on-market at roughly US$40.18 per share. This transaction amounted to 25% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$184k more in shares than they have sold in the last 12 months.お知らせ • Feb 08First Financial Corporation Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2022First Financial Corporation reported net charge-offs for the fourth quarter ended December 31, 2022. For the quarter, the company reported net charge-offs were $2.4 million compared to $1.8 million in the same period of 2021.Reported Earnings • Feb 07Full year 2022 earnings: EPS in line with analyst expectations despite revenue beatFull year 2022 results: EPS: US$5.82 (up from US$4.02 in FY 2021). Revenue: US$213.8m (up 17% from FY 2021). Net income: US$71.1m (up 34% from FY 2021). Profit margin: 33% (up from 29% in FY 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.4%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 2.7% p.a. on average during the next 2 years, compared to a 6.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.Buying Opportunity • Jan 05Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 1.6%. The fair value is estimated to be US$56.65, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.1% over the last 3 years. Earnings per share has grown by 10.0%. Revenue is forecast to grow by 12% in 2 years. Earnings is forecast to decline by 0.7% in the next 2 years.分析記事 • Jan 02First Financial (NASDAQ:THFF) Is Paying Out A Larger Dividend Than Last YearFirst Financial Corporation's ( NASDAQ:THFF ) dividend will be increasing from last year's payment of the same period...Upcoming Dividend • Dec 29Upcoming dividend of US$0.74 per shareEligible shareholders must have bought the stock before 05 January 2023. Payment date: 13 January 2023. Payout ratio is a comfortable 21% and this is well supported by cash flows. Trailing yield: 2.3%. Lower than top quartile of American dividend payers (4.5%). Lower than average of industry peers (3.2%).分析記事 • Dec 11First Financial (NASDAQ:THFF) Will Pay A Larger Dividend Than Last Year At $0.74First Financial Corporation ( NASDAQ:THFF ) will increase its dividend from last year's comparable payment on the 13th...お知らせ • Nov 18+ 1 more updateFirst Financial Corporation Declares Semi-Annual Dividend, Payable on January 13, 2023The directors of First Financial Corporation have declared a semi-annual dividend of 54 cents per share payable on January 13, 2023, to shareholders of record at the close of business January 6, 2023.Reported Earnings • Oct 26Third quarter 2022 earnings: EPS and revenues exceed analyst expectationsThird quarter 2022 results: EPS: US$1.50 (up from US$1.24 in 3Q 2021). Revenue: US$54.2m (up 12% from 3Q 2021). Net income: US$18.1m (up 12% from 3Q 2021). Profit margin: 33% (in line with 3Q 2021). Revenue exceeded analyst estimates by 3.4%. Earnings per share (EPS) also surpassed analyst estimates by 11%. Revenue is forecast to grow 3.0% p.a. on average during the next 3 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.Reported Earnings • Jul 27Second quarter 2022 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2022 results: EPS: US$1.28. Revenue: US$50.0m (up 2.5% from 2Q 2021). Net income: US$15.6m (down 6.0% from 2Q 2021). Profit margin: 31% (down from 34% in 2Q 2021). The decrease in margin was driven by higher expenses. Revenue exceeded analyst estimates by 2.8%. Earnings per share (EPS) also surpassed analyst estimates by 16%. Over the next year, revenue is forecast to grow 3.1%, compared to a 15% growth forecast for the industry in the US.Upcoming Dividend • Jun 09Upcoming dividend of US$0.54 per shareEligible shareholders must have bought the stock before 16 June 2022. Payment date: 01 July 2022. Payout ratio is a comfortable 22% and this is well supported by cash flows. Trailing yield: 2.5%. Lower than top quartile of American dividend payers (3.9%). Lower than average of industry peers (2.8%).財務状況分析デット・ツー・エクイティの歴史と分析貸借対照表金融機関分析資産レベル: THFFの 資産対自己資本比率 ( 9.1 x) は 低い です。不良債権引当金: THFFには 十分な 不良債権引当金 ( 188 %) があります。低リスク負債: THFFの負債の88%は主に 低リスク の資金源で構成されています。ローンレベル: THFFは 適切な レベルの ローン対資産比率 ( 71% ) を持っています。低リスク預金: THFFの 預金に対する貸出金の比率 ( 91% ) は 適切 です。不良債権レベル: THFFには 適切な レベルの 不良債権 があります ( 0.6 %)。健全な企業の発掘7D1Y7D1Y7D1YBanks 業界の健全な企業。View Dividend企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/08/04 20:31終値2026/08/03 00:00収益2026/06/30年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋First Financial Corporation 3 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。4 アナリスト機関Damon DelMonteKeefe, Bruyette, & WoodsDavid LongRaymond James & AssociatesKenneth KohutRaymond James & Associates1 その他のアナリストを表示
Seeking Alpha • Jul 29First Financial: Strong Q2 But Limited Upside Given Valuation (Rating Downgrade)Summary First Financial has rallied 40%+ over the past year, driven by strong credit underwriting and fixed asset reinvestment tailwinds. Q2 earnings were robust, with EPS rising to $1.91 and net interest margin expanding to 4.33%, supported by a favorable deposit mix and loan growth. THFF’s capital position remains strong, enabling both organic and inorganic growth, but organic deposit growth is limited, and valuation now exceeds 10x earnings. I downgrade THFF to 'hold' after the run-up, seeing limited upside above 11x forward earnings (~$84), but no urgency to sell given ongoing tailwinds. Read the full article on Seeking Alpha
Reported Earnings • Jul 28Second quarter 2026 earnings: EPS exceeds analyst expectationsSecond quarter 2026 results: EPS: US$1.91 (up from US$1.57 in 2Q 2025). Revenue: US$71.3m (up 17% from 2Q 2025). Net income: US$22.7m (up 22% from 2Q 2025). Profit margin: 32% (up from 30% in 2Q 2025). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 9.1%. Revenue is forecast to grow 7.9% p.a. on average during the next 2 years, compared to a 7.8% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has increased by 28% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Jul 28First Financial Corporation Reports Net Charge-Offs for the Second Quarter Ended June 30, 2026First Financial Corporation reported net charge-offs for the second quarter ended June 30, 2026. For the quarter, net charge-offs were $2.7 million compared to $1.7 million in the same period of 2025.
お知らせ • Jun 29+ 6 more updatesFirst Financial Corporation(NasdaqGS:THFF) dropped from Russell Small Cap Comp Growth BenchmarkFirst Financial Corporation(NasdaqGS:THFF) dropped from Russell Small Cap Comp Growth Benchmark
Declared Dividend • Jun 21First quarter dividend of US$0.56 announcedShareholders will receive a dividend of US$0.56. Ex-date: 1st July 2026 Payment date: 15th July 2026 Dividend yield will be 3.0%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 8.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 6.0% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Jun 17First Financial Corporation Declares Quarterly Dividend, Payable on July 15, 2026The directors of First Financial Corporation have declared a quarterly dividend of 56 cents per share payable on July 15, 2026, to shareholders of record at the close of business July 1, 2026.
Reported Earnings • Apr 28First quarter 2026 earnings: EPS exceeds analyst expectationsFirst quarter 2026 results: EPS: US$1.67 (up from US$1.55 in 1Q 2025). Revenue: US$65.6m (up 8.4% from 1Q 2025). Net income: US$19.8m (up 7.6% from 1Q 2025). Profit margin: 30% (in line with 1Q 2025). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 2.1%. Revenue is forecast to grow 9.0% p.a. on average during the next 2 years, compared to a 8.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has increased by 27% per year, which means it is tracking significantly ahead of earnings growth.
Declared Dividend • Mar 20Fourth quarter dividend of US$0.56 announcedShareholders will receive a dividend of US$0.56. Ex-date: 1st April 2026 Payment date: 15th April 2026 Dividend yield will be 3.5%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (31% payout ratio) and is expected to be well covered in 3 years' time (21% forecast payout ratio). The dividend has increased by an average of 8.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 11% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Mar 18+ 1 more updateFirst Financial Corporation, Annual General Meeting, Apr 15, 2026First Financial Corporation, Annual General Meeting, Apr 15, 2026.
Reported Earnings • Mar 05Full year 2025 earnings: EPS and revenues exceed analyst expectationsFull year 2025 results: EPS: US$6.68 (up from US$4.00 in FY 2024). Revenue: US$253.6m (up 26% from FY 2024). Net income: US$79.2m (up 68% from FY 2024). Profit margin: 31% (up from 24% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 4.29% (up from 3.71% in FY 2024). Non-performing loans: 0.71% (up from 0.35% in FY 2024). Revenue exceeded analyst estimates by 1.6%. Earnings per share (EPS) also surpassed analyst estimates by 1.3%. Revenue is forecast to grow 8.8% p.a. on average during the next 2 years, compared to a 8.7% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 15% per year, which means it is tracking significantly ahead of earnings growth.
New Risk • Mar 03New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$143k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Significant insider selling over the past 3 months (US$143k sold).
Recent Insider Transactions • Mar 03Senior VP & Chief Lending Officer recently sold US$143k worth of stockOn the 2nd of March, Mark Franklin sold around 2k shares on-market at roughly US$64.60 per share. This transaction amounted to 23% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought US$164k more than they sold in the last 12 months.
お知らせ • Mar 03First Financial Corporation (NasdaqGS:THFF) completed the acquisition of CedarStone Financial, Inc.First Financial Corporation (NasdaqGS:THFF) entered into an Agreement to acquire CedarStone Financial, Inc. for approximately $24.8 million on November 6, 2025. A cash consideration valued at $19.12 per share will be paid by First Financial Corporation. In case of termination of transaction, seller will pay a termination fee of $1 million. The Merger Agreement was unanimously approved by the Boards of Directors of First Financial and CedarStone and is subject to approval of CedarStone's shareholders, regulatory approvals, and other customary closing conditions. The Merger will close in the first quarter of 2026. Raymond James & Associates, Inc. acted as financial advisor to and John W. Tanselle of Amundsen Davis, LLC acted as legal advisor to First Financial. Forvis Mazars Capital Advisors, LLC acted as financial advisor and D. Taylor Tipton of Baker, Donelson, Bearman, Caldwell & Berkowitz, PC acted as legal advisor to CedarStone. Hovde Group, LLC issued an independent fairness opinion to CedarStone. First Financial Corporation (NasdaqGS:THFF) completed the acquisition of CedarStone Financial, Inc. on March 1, 2026.
Price Target Changed • Feb 19Price target increased by 15% to US$71.50Up from US$62.00, the current price target is an average from 2 analysts. New target price is 8.4% above last closing price of US$65.93. Stock is up 27% over the past year. The company is forecast to post earnings per share of US$7.08 for next year compared to US$6.68 last year.
Price Target Changed • Feb 17Price target increased by 9.7% to US$68.00Up from US$62.00, the current price target is provided by 1 analyst. New target price is approximately in line with last closing price of US$66.96. Stock is up 29% over the past year. The company is forecast to post earnings per share of US$7.10 for next year compared to US$6.68 last year.
Price Target Changed • Feb 04Price target increased by 11% to US$68.00Up from US$61.50, the current price target is provided by 1 analyst. New target price is approximately in line with last closing price of US$67.69. Stock is up 30% over the past year. The company is forecast to post earnings per share of US$7.10 for next year compared to US$6.68 last year.
お知らせ • Feb 04First Financial Corporation Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2025First Financial Corporation reported net charge-offs for the fourth quarter ended December 31, 2025. In the fourth quarter of 2025 net charge-offs were $1,766,000 compared to $1,437,000 in the same period of 2024.
分析記事 • Dec 22First Financial (NASDAQ:THFF) Is Increasing Its Dividend To $0.56First Financial Corporation ( NASDAQ:THFF ) will increase its dividend on the 15th of January to $0.56, which is 9.8...
Declared Dividend • Dec 22Third quarter dividend increased to US$0.56Dividend of US$0.56 is 9.8% higher than last year. Ex-date: 2nd January 2026 Payment date: 15th January 2026 Dividend yield will be 3.3%, which is about the same as the industry average. Sustainability & Growth Dividend is well covered by earnings (33% payout ratio) and is expected to be well covered in 3 years' time (30% forecast payout ratio). The dividend has increased by an average of 7.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 10% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Dec 18First Financial Corporation Declares Quarterly Dividend, Payable on January 15, 2026The directors of First Financial Corporation have declared a dividend of 56 cents per share payable on January 15, 2026, to shareholders of record at the close of business January 2, 2026.
お知らせ • Nov 07First Financial Corporation (NasdaqGS:THFF) entered into an Agreement to acquire CedarStone Financial, Inc.First Financial Corporation (NasdaqGS:THFF) entered into an Agreement to acquire CedarStone Financial, Inc. for approximately $24.8 million on November 6, 2025. A cash consideration valued at $19.12 per share will be paid by First Financial Corporation. In case of termination of transaction, seller will pay a termination fee of $1 million. The Merger Agreement was unanimously approved by the Boards of Directors of First Financial and CedarStone and is subject to approval of CedarStone's shareholders, regulatory approvals, and other customary closing conditions. The Merger will close in the first quarter of 2026. Raymond James & Associates, Inc. acted as financial advisor to and John W. Tanselle of Amundsen Davis, LLC acted as legal advisor to First Financial. Forvis Mazars Capital Advisors, LLC acted as financial advisor and D. Taylor Tipton of Baker, Donelson, Bearman, Caldwell & Berkowitz, PC acted as legal advisor to CedarStone. Hovde Group, LLC issued an independent fairness opinion to CedarStone.
Reported Earnings • Oct 29Third quarter 2025 earnings: EPS and revenues exceed analyst expectationsThird quarter 2025 results: EPS: US$1.75 (up from US$0.74 in 3Q 2024). Revenue: US$63.8m (up 30% from 3Q 2024). Net income: US$20.8m (up 138% from 3Q 2024). Profit margin: 33% (up from 18% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.5%. Earnings per share (EPS) also surpassed analyst estimates by 10%. Revenue is forecast to grow 5.1% p.a. on average during the next 3 years, compared to a 8.1% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings.
お知らせ • Oct 29First Financial Corporation Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025First Financial Corporation reported net charge-offs for the third quarter ended September 30, 2025. For the quarter, the company reported net charge-offs of $1.6 million compared to $4.6 million in the same period of 2024.
Recent Insider Transactions • Oct 18Insider recently bought US$120k worth of stockOn the 13th of October, James McDonald bought around 2k shares on-market at roughly US$52.25 per share. This transaction amounted to 24% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$443k more in shares than they have sold in the last 12 months.
Declared Dividend • Sep 21Second quarter dividend of US$0.51 announcedShareholders will receive a dividend of US$0.51. Ex-date: 1st October 2025 Payment date: 15th October 2025 Dividend yield will be 3.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 7.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 9.9% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Sep 18First Financial Corporation Declares Quarterly Dividend, Payable on October 15, 2025The directors of First Financial Corporation have declared a dividend of 51 cents per share payable on October 15, 2025, to shareholders of record at the close of business October 1, 2025.
Price Target Changed • Jul 29Price target increased by 8.8% to US$61.50Up from US$56.50, the current price target is an average from 2 analysts. New target price is 11% above last closing price of US$55.21. Stock is up 22% over the past year. The company is forecast to post earnings per share of US$6.29 for next year compared to US$4.00 last year.
Reported Earnings • Jul 22Second quarter 2025 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2025 results: EPS: US$1.57 (up from US$0.96 in 2Q 2024). Revenue: US$61.1m (up 32% from 2Q 2024). Net income: US$18.6m (up 64% from 2Q 2024). Profit margin: 30% (up from 25% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) also surpassed analyst estimates by 12%. Revenue is forecast to grow 8.7% p.a. on average during the next 2 years, compared to a 7.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.
お知らせ • Jul 22First Financial Corporation Reports Net Charge-Offs for the Second Quarter of 2025First Financial Corporation reported net charge-offs for the second quarter of 2025. For the period, the company reported net charge-offs were $1.8 million compared to $1.5 million in the same period of 2024.
Declared Dividend • Jun 23First quarter dividend of US$0.51 announcedShareholders will receive a dividend of US$0.51. Ex-date: 1st July 2025 Payment date: 15th July 2025 Dividend yield will be 3.9%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 7.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 13% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Jun 19First Financial Corporation Declares Quarterly Dividend, Payable on July 15, 2025The directors of First Financial Corporation declared a quarterly dividend of 51 cents per share payable on July 15, 2025, to shareholders of record at the close of business July 1, 2025.
Price Target Changed • Apr 28Price target increased by 7.6% to US$56.67Up from US$52.67, the current price target is an average from 3 analysts. New target price is 15% above last closing price of US$49.18. Stock is up 34% over the past year. The company is forecast to post earnings per share of US$5.95 for next year compared to US$4.00 last year.
お知らせ • Apr 23First Financial Corporation Reports Net Charge-Offs for the First Quarter Ended March 31, 2025First Financial Corporation reported net charge-offs for the first quarter ended March 31, 2025. In the first quarter of 2025 net charge-offs were $1.8 million compared to $1.5 million in the same period of 2024.
Reported Earnings • Apr 22First quarter 2025 earnings: EPS exceeds analyst expectationsFirst quarter 2025 results: EPS: US$1.55 (up from US$0.93 in 1Q 2024). Revenue: US$60.5m (up 30% from 1Q 2024). Net income: US$18.4m (up 69% from 1Q 2024). Profit margin: 30% (up from 24% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 20%. Revenue is forecast to grow 10% p.a. on average during the next 2 years, compared to a 7.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.
Declared Dividend • Mar 23Fourth quarter dividend of US$0.51 announcedShareholders will receive a dividend of US$0.51. Ex-date: 1st April 2025 Payment date: 15th April 2025 Dividend yield will be 3.9%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (46% payout ratio) and is expected to be well covered in 3 years' time (37% forecast payout ratio). The dividend has increased by an average of 7.6% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 36% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Mar 20First Financial Corporation Declares Quarterly Dividend, Payable on April 15, 2025The directors of First Financial Corporation have declared a dividend of 51 cents per share payable on April 15, 2025, to shareholders of record at the close of business April 1, 2025.
お知らせ • Mar 18First Financial Corporation, Annual General Meeting, Apr 16, 2025First Financial Corporation, Annual General Meeting, Apr 16, 2025.
Recent Insider Transactions • Mar 14Independent Director recently bought US$98k worth of stockOn the 12th of March, William Brighton bought around 2k shares on-market at roughly US$48.99 per share. This transaction amounted to 9.1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$347k more in shares than they have sold in the last 12 months.
Reported Earnings • Mar 06Full year 2024 earnings: EPS and revenues miss analyst expectationsFull year 2024 results: EPS: US$4.00 (down from US$5.08 in FY 2023). Revenue: US$201.6m (flat on FY 2023). Net income: US$47.3m (down 22% from FY 2023). Profit margin: 24% (down from 30% in FY 2023). Net interest margin (NIM): 3.71% (down from 3.78% in FY 2023). Non-performing loans: 0.35% (down from 0.78% in FY 2023). Revenue missed analyst estimates by 1.2%. Earnings per share (EPS) also missed analyst estimates by 1.7%. Revenue is forecast to grow 12% p.a. on average during the next 2 years, compared to a 7.2% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 3% per year, which means it is well ahead of earnings.
お知らせ • Feb 05First Financial Corporation Reports Net Charge-Off for the Fourth Quarter Ended December 31, 2024First Financial Corporation reported net charge-off for the fourth quarter ended December 31, 2024. Fourth quarter net charge-offs were $1.4 million compared to $1.8 million in the same period of 2023.
Reported Earnings • Feb 04Full year 2024 earnings: EPS and revenues miss analyst expectationsFull year 2024 results: EPS: US$4.00 (down from US$5.08 in FY 2023). Revenue: US$201.6m (flat on FY 2023). Net income: US$47.3m (down 22% from FY 2023). Profit margin: 24% (down from 30% in FY 2023). Revenue missed analyst estimates by 1.2%. Earnings per share (EPS) also missed analyst estimates by 1.7%. Revenue is forecast to grow 11% p.a. on average during the next 2 years, compared to a 7.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings.
分析記事 • Dec 24First Financial (NASDAQ:THFF) Is Increasing Its Dividend To $0.51The board of First Financial Corporation ( NASDAQ:THFF ) has announced that the dividend on 15th of January will be...
Declared Dividend • Dec 23Third quarter dividend increased to US$0.51Dividend of US$0.51 is 13% higher than last year. Ex-date: 3rd January 2025 Payment date: 15th January 2025 Dividend yield will be 4.0%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (49% payout ratio) and is expected to be well covered in 3 years' time (36% forecast payout ratio). The dividend has increased by an average of 6.5% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 40% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Price Target Changed • Dec 20Price target increased by 9.7% to US$51.00Up from US$46.50, the current price target is an average from 3 analysts. New target price is 9.4% above last closing price of US$46.61. Stock is up 5.7% over the past year. The company is forecast to post earnings per share of US$4.07 for next year compared to US$5.08 last year.
お知らせ • Dec 18First Financial Corporation Declares Quarterly Dividend, Payable on January 15, 2025The directors of First Financial Corporation declared a dividend of 51 cents per share payable on January 15, 2025, to shareholders of record at the close of business January 3, 2025.
Valuation Update With 7 Day Price Move • Nov 06Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$50.23, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 12x in the Banks industry in the US. Total returns to shareholders of 23% over the past three years.
Seeking Alpha • Nov 06First Financial: A Middle-Of-The-Pack ProspectSummary First Financial Corporation, a small Indiana-based financial holding firm, has seen mixed financial results and recent profitability disappointments, leading to a 'hold' rating. Despite growth in loans and deposits due to the SimplyBank acquisition, the company's valuation and asset quality are not particularly compelling. Net interest income has declined, and non-interest income remains stagnant, with rising non-interest expenses further impacting net profits. First Financial's price-to-earnings and price-to-book multiples suggest it is fairly valued but not a standout compared to peers, justifying a 'hold' rating. Read the full article on Seeking Alpha
Reported Earnings • Oct 23Third quarter 2024 earnings: EPS misses analyst expectationsThird quarter 2024 results: EPS: US$0.74 (down from US$1.37 in 3Q 2023). Revenue: US$49.0m (down 5.0% from 3Q 2023). Net income: US$8.74m (down 46% from 3Q 2023). Profit margin: 18% (down from 32% in 3Q 2023). The decrease in margin was primarily driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 18%. Revenue is forecast to grow 10% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 1% per year whereas the company’s share price has remained flat.
Upcoming Dividend • Sep 24Upcoming dividend of US$0.45 per shareEligible shareholders must have bought the stock before 01 October 2024. Payment date: 15 October 2024. Payout ratio is a comfortable 31% and this is well supported by cash flows. Trailing yield: 4.1%. Lower than top quartile of American dividend payers (4.3%). Higher than average of industry peers (2.9%).
お知らせ • Sep 19First Financial Corporation Declares Quarterly Dividend, Payable on October 15, 2024The directors of First Financial Corporation declared a dividend of 45 cents per share payable on October 15, 2024, to shareholders of record at the close of business October 1, 2024.
Price Target Changed • Aug 01Price target increased by 11% to US$47.00Up from US$42.50, the current price target is an average from 2 analysts. New target price is 8.6% above last closing price of US$43.27. Stock is up 14% over the past year. The company is forecast to post earnings per share of US$4.03 for next year compared to US$5.08 last year.
Reported Earnings • Jul 24Second quarter 2024 earnings: EPS in line with expectations, revenues disappointSecond quarter 2024 results: EPS: US$0.96 (down from US$1.33 in 2Q 2023). Revenue: US$46.2m (down 9.1% from 2Q 2023). Net income: US$11.4m (down 29% from 2Q 2023). Profit margin: 25% (down from 31% in 2Q 2023). Revenue missed analyst estimates by 2.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 15% p.a. on average during the next 2 years, compared to a 6.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 4% per year and the company’s share price has also increased by 4% per year.
お知らせ • Jul 24First Financial Corporation Reports Net Charge Offs for the Second Quarter Ended June 30, 2024First Financial Corporation reported net charge offs for the second quarter ended June 30, 2024. for the quarter, the company reported net charge-offs were $4.677 million compared to $1.513 million in the same period of 2023.
Valuation Update With 7 Day Price Move • Jul 15Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$42.19, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 11x in the Banks industry in the US. Total returns to shareholders of 19% over the past three years.
お知らせ • Jun 25First Financial Corporation Declares Quarterly Dividend, Payable July 15, 2024First Financial Corporation declared a dividend of 45 cents per share payable on July 15, 2024, to shareholders of record at the close of business July 1, 2024.
Reported Earnings • May 03First quarter 2024 earnings: EPS and revenues miss analyst expectationsFirst quarter 2024 results: EPS: US$0.93 (down from US$1.33 in 1Q 2023). Revenue: US$46.6m (down 10% from 1Q 2023). Net income: US$10.9m (down 32% from 1Q 2023). Profit margin: 24% (down from 31% in 1Q 2023). Revenue missed analyst estimates by 4.8%. Earnings per share (EPS) also missed analyst estimates by 5.1%. Revenue is forecast to grow 12% p.a. on average during the next 2 years, compared to a 6.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.
お知らせ • May 03First Financial Corporation Reports Net Charge-Off for the First Quarter Ended March 31, 2024First Financial Corporation reported net charge-off for the first quarter ended March 31, 2024. For the period, the company reported net charge-offs were $1,522,000 compared to $1,959,000 in the same period of 2023.
Major Estimate Revision • May 02Consensus EPS estimates fall by 14%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has deteriorated. 2024 revenue forecast decreased from US$229.8m to US$220.5m. EPS estimate also fell from US$4.44 per share to US$3.82 per share. Net income forecast to shrink 26% next year vs 1.5% growth forecast for Banks industry in the US . Consensus price target down from US$43.50 to US$42.50. Share price was steady at US$37.51 over the past week.
お知らせ • Mar 20First Financial Corporation Declares Quarterly Dividend, Payable on April 15, 2024The directors of First Financial Corporation have declared a dividend of 45 cents per share payable on April 15, 2024, to shareholders of record at the close of business April 1, 2024.
お知らせ • Mar 16First Financial Corporation, Annual General Meeting, Apr 17, 2024First Financial Corporation, Annual General Meeting, Apr 17, 2024, at 11:00 Eastern Daylight. Location: One First Financial Plaza Terre Haute Indiana United States Agenda: To elect nominees to the Board of Directors of the Corporation for a term expiring in 2027 or until each of their successors are duly elected and qualified; to conduct a non-binding advisory vote to approve the compensation of Named Executive Officers as described in the Proxy Statement; to ratify the appointment of Crowe LLP as independent registered public accounting firm for the fiscal year ending December 31, 2024; and to transact such other business as may properly be presented at the meeting or any adjournment or postponement thereof.
Reported Earnings • Mar 12Full year 2023 earnings: EPS and revenues miss analyst expectationsFull year 2023 results: EPS: US$5.08 (down from US$5.82 in FY 2022). Revenue: US$202.7m (down 6.9% from FY 2022). Net income: US$60.7m (down 15% from FY 2022). Profit margin: 30% (down from 33% in FY 2022). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 3.78% (up from 3.54% in FY 2022). Non-performing loans: 0.78% (up from 0.31% in FY 2022). Revenue missed analyst estimates by 1.7%. Earnings per share (EPS) also missed analyst estimates by 1.6%. Revenue is forecast to grow 9.3% p.a. on average during the next 2 years, compared to a 5.9% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.
New Risk • Feb 11New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.08% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.08% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
Major Estimate Revision • Feb 06Consensus EPS estimates fall by 11%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has deteriorated. 2024 revenue forecast decreased from US$233.0m to US$229.8m. EPS estimate also fell from US$4.63 per share to US$4.14 per share. Net income forecast to shrink 21% next year vs 3.8% decline forecast for Banks industry in the US. Consensus price target down from US$44.50 to US$43.00. Share price fell 12% to US$37.13 over the past week.
Reported Earnings • Jan 30Full year 2023 earnings: EPS and revenues miss analyst expectationsFull year 2023 results: EPS: US$5.08 (down from US$5.82 in FY 2022). Revenue: US$202.7m (down 6.9% from FY 2022). Net income: US$60.7m (down 15% from FY 2022). Profit margin: 30% (down from 33% in FY 2022). The decrease in margin was driven by lower revenue. Revenue missed analyst estimates by 1.7%. Earnings per share (EPS) also missed analyst estimates by 1.6%. Revenue is forecast to grow 9.9% p.a. on average during the next 2 years, compared to a 5.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
Price Target Changed • Jan 10Price target increased by 7.2% to US$44.50Up from US$41.50, the current price target is an average from 2 analysts. New target price is 8.2% above last closing price of US$41.13. Stock is down 9.2% over the past year. The company is forecast to post earnings per share of US$5.12 for next year compared to US$5.82 last year.
お知らせ • Dec 27First Financial Corporation and First Financial Bank N.A Announces Retirement of Steven H. Holliday as Chief Credit Officer Effective June 28, 2024On December 26, 2023, First Financial Corporation (the “Corporation”) announced that Steven H. Holliday, the Chief Credit Officer of the Corporation and First Financial Bank N.A., and a named executive officer for the Corporation’s 2023 fiscal year, will retire effective June 28, 2024.
Upcoming Dividend • Dec 22Upcoming dividend of US$0.45 per share at 2.1% yieldEligible shareholders must have bought the stock before 29 December 2023. Payment date: 16 January 2024. Payout ratio is a comfortable 20% and this is well supported by cash flows. Trailing yield: 2.1%. Lower than top quartile of American dividend payers (4.6%). Lower than average of industry peers (3.2%).
お知らせ • Nov 22First Financial Corporation Declares Quarterly Dividend, Payable on January 16, 2024The directors of First Financial Corporation have declared a dividend of 45 cents per share payable on January 16, 2024, to shareholders of record at the close of business January 2, 2024. The Corporation further announced its intention to pay dividends quarterly as opposed to semi-annually as in the past.
Reported Earnings • Oct 25Third quarter 2023 earnings: EPS exceeds analyst expectationsThird quarter 2023 results: EPS: US$1.37 (down from US$1.50 in 3Q 2022). Revenue: US$51.6m (down 4.8% from 3Q 2022). Net income: US$16.3m (down 9.8% from 3Q 2022). Profit margin: 32% (down from 33% in 3Q 2022). The decrease in margin was driven by lower revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 17%. Revenue is forecast to stay flat during the next 2 years compared to a 4.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.
お知らせ • Oct 22First Financial Corporation Announces CEO TransitionFirst Financial Corporation announced a leadership transition. Norman D. Lowery, Senior Vice President and Chief Operating Officer of the Company will succeed his father, Norman L. Lowery, as Chief Executive Officer on January 1, 2024. Norman L. Lowery, the Company's current Chairman, President and Chief Executive Officer, will serve as Executive Chairman of the Board through December 31, 2024, at which time he will transition to the role of non-executive Chairman of the Board. In his role as Chief Operating Officer, Norman has driven continued improvement in operational execution as the company have grown in size and expanded the footprint of business. During his 33 years with First Financial, Norman has developed a deep knowledge of varied lines of business and the communities are so fortunate to serve. Norman D. Lowery, 55, was named Chief Operating Officer in 2010 and was first elected to the Company's board of directors in 2020. Norman L. Lowery, 76, joined the Company's board of directors in 1989 and was appointed Chairman of the Board in 2020. He has served as the Chairman, President and Chief Executive Officer of First Financial Bank, N.A. since 1996 and was named Chief Executive Officer and President of the Company in 2004 and 2013, respectively.
お知らせ • Oct 21First Financial Corporation Announces Executive TransitionFirst Financial Corporation announced a leadership transition. Norman D. Lowery, Senior Vice President and Chief Operating Officer of the Company will succeed his father, Norman L. Lowery, as President and Chief Executive Officer on January 1, 2024. Norman L. Lowery, the Company's current Chairman, President and Chief Executive Officer, will serve as Executive Chairman of the Board through December 31, 2024, at which time he will transition to the role of non-executive Chairman of the Board. In his role as Chief Operating Officer, Norman has driven continued improvement in operational execution as the company have grown in size and expanded the footprint of business. During his 33 years with First Financial, Norman has developed a deep knowledge of varied lines of business and the communities are so fortunate to serve. Norman D. Lowery, 55, was named Chief Operating Officer in 2010 and was first elected to the Company's board of directors in 2020. Norman L. Lowery, 76, joined the Company's board of directors in 1989 and was appointed Chairman of the Board in 2020. He has served as the Chairman, President and Chief Executive Officer of First Financial Bank, N.A. since 1996 and was named Chief Executive Officer and President of the Company in 2004 and 2013, respectively.
お知らせ • Jul 26First Financial Corporation Reports Net Charge-Offs Second Quarter Ended June 30, 2023First Financial Corporation reported net charge-offs Second Quarter ended June 30, 2023. For the quarter, the company reported net charge-offs were $1.5 million compared to net recoveries of $202 thousand in the same period of 2022.
Reported Earnings • Jul 25Second quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behindSecond quarter 2023 results: EPS: US$1.33 (up from US$1.28 in 2Q 2022). Revenue: US$50.8m (up 11% from 2Q 2022). Net income: US$16.0m (up 2.4% from 2Q 2022). Profit margin: 31% (down from 34% in 2Q 2022). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 2.3%. Earnings per share (EPS) exceeded analyst estimates by 9.3%. Revenue is forecast to grow 1.5% p.a. on average during the next 2 years, compared to a 4.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Jun 08Upcoming dividend of US$0.54 per share at 2.9% yieldEligible shareholders must have bought the stock before 15 June 2023. Payment date: 03 July 2023. Payout ratio is a comfortable 20% and this is well supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of American dividend payers (5.0%). Lower than average of industry peers (3.6%).
分析記事 • Jun 03First Financial (NASDAQ:THFF) Is Paying Out A Dividend Of $0.54First Financial Corporation's ( NASDAQ:THFF ) investors are due to receive a payment of $0.54 per share on 3rd of July...
分析記事 • May 20First Financial (NASDAQ:THFF) Will Pay A Dividend Of $0.54First Financial Corporation's ( NASDAQ:THFF ) investors are due to receive a payment of $0.54 per share on 3rd of July...
お知らせ • May 18First Financial Corporation Declares Semi-Annual Dividend, Payable on July 3, 2023First Financial Corporation have declared a semi-annual dividend of 54 cents per share payable on July 3, 2023, to shareholders of record at the close of business June 16, 2023. Today’s declaration increases the total dividend paid in 2023 to $1.28 per share, a 9.4% increase from 2022 and is the Corporation’s 35th consecutive year of increased regular dividends.
Recent Insider Transactions • May 12Independent Director recently bought US$64k worth of stockOn the 9th of May, Thomas Martin bought around 2k shares on-market at roughly US$32.15 per share. This transaction amounted to 40% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$350k more in shares than they have sold in the last 12 months.
Price Target Changed • May 03Price target decreased by 8.9% to US$46.00Down from US$50.50, the current price target is an average from 2 analysts. New target price is 40% above last closing price of US$32.87. Stock is down 24% over the past year. The company is forecast to post earnings per share of US$4.90 for next year compared to US$5.82 last year.
Reported Earnings • Apr 26First quarter 2023 earnings: Revenues miss analyst expectationsFirst quarter 2023 results: Revenue: US$51.9m (down 11% from 1Q 2022). Net income: US$16.0m (down 24% from 1Q 2022). Profit margin: 31% (down from 36% in 1Q 2022). The decrease in margin was driven by lower revenue. Revenue missed analyst estimates by 2.3%. Revenue is forecast to grow 1.8% p.a. on average during the next 2 years, compared to a 3.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
Recent Insider Transactions • Mar 14Independent Director recently bought US$60k worth of stockOn the 10th of March, Paul Pierson bought around 2k shares on-market at roughly US$40.18 per share. This transaction amounted to 25% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$184k more in shares than they have sold in the last 12 months.
お知らせ • Feb 08First Financial Corporation Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2022First Financial Corporation reported net charge-offs for the fourth quarter ended December 31, 2022. For the quarter, the company reported net charge-offs were $2.4 million compared to $1.8 million in the same period of 2021.
Reported Earnings • Feb 07Full year 2022 earnings: EPS in line with analyst expectations despite revenue beatFull year 2022 results: EPS: US$5.82 (up from US$4.02 in FY 2021). Revenue: US$213.8m (up 17% from FY 2021). Net income: US$71.1m (up 34% from FY 2021). Profit margin: 33% (up from 29% in FY 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.4%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 2.7% p.a. on average during the next 2 years, compared to a 6.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.
Buying Opportunity • Jan 05Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 1.6%. The fair value is estimated to be US$56.65, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.1% over the last 3 years. Earnings per share has grown by 10.0%. Revenue is forecast to grow by 12% in 2 years. Earnings is forecast to decline by 0.7% in the next 2 years.
分析記事 • Jan 02First Financial (NASDAQ:THFF) Is Paying Out A Larger Dividend Than Last YearFirst Financial Corporation's ( NASDAQ:THFF ) dividend will be increasing from last year's payment of the same period...
Upcoming Dividend • Dec 29Upcoming dividend of US$0.74 per shareEligible shareholders must have bought the stock before 05 January 2023. Payment date: 13 January 2023. Payout ratio is a comfortable 21% and this is well supported by cash flows. Trailing yield: 2.3%. Lower than top quartile of American dividend payers (4.5%). Lower than average of industry peers (3.2%).
分析記事 • Dec 11First Financial (NASDAQ:THFF) Will Pay A Larger Dividend Than Last Year At $0.74First Financial Corporation ( NASDAQ:THFF ) will increase its dividend from last year's comparable payment on the 13th...
お知らせ • Nov 18+ 1 more updateFirst Financial Corporation Declares Semi-Annual Dividend, Payable on January 13, 2023The directors of First Financial Corporation have declared a semi-annual dividend of 54 cents per share payable on January 13, 2023, to shareholders of record at the close of business January 6, 2023.
Reported Earnings • Oct 26Third quarter 2022 earnings: EPS and revenues exceed analyst expectationsThird quarter 2022 results: EPS: US$1.50 (up from US$1.24 in 3Q 2021). Revenue: US$54.2m (up 12% from 3Q 2021). Net income: US$18.1m (up 12% from 3Q 2021). Profit margin: 33% (in line with 3Q 2021). Revenue exceeded analyst estimates by 3.4%. Earnings per share (EPS) also surpassed analyst estimates by 11%. Revenue is forecast to grow 3.0% p.a. on average during the next 3 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Jul 27Second quarter 2022 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2022 results: EPS: US$1.28. Revenue: US$50.0m (up 2.5% from 2Q 2021). Net income: US$15.6m (down 6.0% from 2Q 2021). Profit margin: 31% (down from 34% in 2Q 2021). The decrease in margin was driven by higher expenses. Revenue exceeded analyst estimates by 2.8%. Earnings per share (EPS) also surpassed analyst estimates by 16%. Over the next year, revenue is forecast to grow 3.1%, compared to a 15% growth forecast for the industry in the US.
Upcoming Dividend • Jun 09Upcoming dividend of US$0.54 per shareEligible shareholders must have bought the stock before 16 June 2022. Payment date: 01 July 2022. Payout ratio is a comfortable 22% and this is well supported by cash flows. Trailing yield: 2.5%. Lower than top quartile of American dividend payers (3.9%). Lower than average of industry peers (2.8%).