View ValuationFirst Financial 향후 성장Future 기준 점검 1/6First Financial은 연간 수입과 매출이 각각 5.7%와 8.2% 증가할 것으로 예상되고 EPS는 연간 5.5%만큼 증가할 것으로 예상됩니다.핵심 정보5.7%이익 성장률5.55%EPS 성장률Banks 이익 성장7.0%매출 성장률8.2%향후 자기자본이익률n/a애널리스트 커버리지Low마지막 업데이트07 Aug 2026최근 향후 성장 업데이트Price Target Changed • Aug 07Price target increased by 13% to US$84.00Up from US$74.50, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$81.38. Stock is up 53% over the past year. The company is forecast to post earnings per share of US$7.62 for next year compared to US$6.68 last year.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.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.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.모든 업데이트 보기Recent updatesPrice Target Changed • Aug 07Price target increased by 13% to US$84.00Up from US$74.50, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$81.38. Stock is up 53% over the past year. The company is forecast to post earnings per share of US$7.62 for next year compared to US$6.68 last year.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 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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.분석 기사 • 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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.분석 기사 • 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.공고 • 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%).공고 • 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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.공고 • 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%).공고 • 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.공고 • 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.공고 • 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.공고 • 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%).분석 기사 • 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...분석 기사 • 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...공고 • 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.공고 • 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.분석 기사 • 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%).분석 기사 • 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...공고 • 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.이익 및 매출 성장 예측NasdaqGS:THFF - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/202730793N/AN/A212/31/202629491N/AN/A26/30/202626885N/AN/AN/A3/31/2026259818892N/A12/31/2025254798690N/A9/30/2025251747376N/A6/30/2025230626673N/A3/31/2025216556369N/A12/31/2024202475460N/A9/30/2024190435864N/A6/30/2024193516570N/A3/31/2024197567175N/A12/31/2023203618086N/A9/30/2023214658893N/A6/30/2023216678184N/A3/31/2023212667982N/A12/31/2022218717779N/A9/30/2022200626364N/A6/30/2022195605960N/A3/31/2022197615760N/A12/31/2021183535155N/A9/30/2021191616368N/A6/30/2021186596065N/A3/31/2021179556367N/A12/31/2020178547477N/A9/30/2020177526064N/A6/30/2020175515962N/A3/31/202017351N/A62N/A12/31/201916549N/A50N/A9/30/201915346N/A55N/A6/30/201914745N/A63N/A3/31/201915147N/A62N/A12/31/201814947N/A57N/A9/30/201814738N/A56N/A6/30/201814536N/A59N/A3/31/201813729N/A49N/A12/31/201713929N/A50N/A9/30/201713835N/A50N/A6/30/201713734N/A43N/A3/31/201713734N/A39N/A12/31/201613638N/A41N/A9/30/201613637N/A35N/A6/30/201613837N/A33N/A3/31/201613936N/A41N/A12/31/201513930N/A41N/A9/30/201514032N/A53N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: THFF 의 연간 예상 수익 증가율(5.7%)이 saving rate(3.7%)보다 높습니다.수익 vs 시장: THFF 의 연간 수익(5.7%)이 US 시장(16.9%)보다 느리게 성장할 것으로 예상됩니다.고성장 수익: THFF 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.수익 대 시장: THFF 의 수익(연간 8.2%)이 US 시장(연간 12.9%)보다 느리게 성장할 것으로 예상됩니다.고성장 매출: THFF 의 수익(연간 8.2%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: THFF의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/08/09 05:32종가2026/08/07 00:00수익2026/06/30연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스First Financial Corporation는 4명의 분석가가 다루고 있습니다. 이 중 3명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Damon DelMonteKeefe, Bruyette, & WoodsDavid LongRaymond James & AssociatesKenneth KohutRaymond James & Associates1명의 분석가 더 보기
Price Target Changed • Aug 07Price target increased by 13% to US$84.00Up from US$74.50, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$81.38. Stock is up 53% over the past year. The company is forecast to post earnings per share of US$7.62 for next year compared to US$6.68 last year.
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.
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.
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.
Price Target Changed • Aug 07Price target increased by 13% to US$84.00Up from US$74.50, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$81.38. Stock is up 53% over the past year. The company is forecast to post earnings per share of US$7.62 for next year compared to US$6.68 last year.
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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
분석 기사 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
분석 기사 • 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.
공고 • 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%).
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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%).
공고 • 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.
공고 • 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.
공고 • 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.
공고 • 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%).
분석 기사 • 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...
분석 기사 • 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...
공고 • 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.
공고 • 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.
분석 기사 • 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%).
분석 기사 • 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...
공고 • 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.