THFF Stock Overview

Through its subsidiaries, provides various financial services. More details

THFF fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	3/6
Past Performance	2/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 67.7% below our estimate of its fair value

Earnings are forecast to grow 17.93% per year

Risk Analysis

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

First Financial Corporation Competitors

Peapack-Gladstone Financial

NasdaqGS:PGC

US$571.7m

Greene County Bancorp

NasdaqCM:GCBC

US$497.2m

American National Bankshares

NasdaqGS:AMNB

US$507.6m

SmartFinancial

NYSE:SMBK

US$532.2m

Price History & Performance

Summary of share price highs, lows and changes for First Financial
Historical stock prices
Current Share Price	US$47.10
52 Week High	US$51.87
52 Week Low	US$34.58
Beta	0.50
1 Month Change	-5.49%
3 Month Change	9.32%
1 Year Change	5.69%
3 Year Change	3.76%
5 Year Change	3.01%
Change since IPO	707.68%

First Financial (NASDAQ:THFF) Is Increasing Its Dividend To $0.51

Dec 24

First Financial: A Middle-Of-The-Pack Prospect

Nov 06

Recent updates

First Financial (NASDAQ:THFF) Will Pay A Larger Dividend Than Last Year At $0.74

Dec 11

First Financial (NASDAQ:THFF) Is Increasing Its Dividend To US$0.54

Jun 05

First Financial (NASDAQ:THFF) Will Pay A Larger Dividend Than Last Year At US$0.63

Dec 31

First Financial EPS beats by $0.12, misses on revenue

Apr 27

Increases to First Financial Corporation's (NASDAQ:THFF) CEO Compensation Might Cool off for now

Apr 15

The Attractive Combination That Could Earn First Financial Corporation (NASDAQ:THFF) A Place In Your Dividend Portfolio

Apr 06

How Many First Financial Corporation (NASDAQ:THFF) Shares Did Insiders Buy, In The Last Year?

Mar 02

Introducing First Financial (NASDAQ:THFF), A Stock That Climbed 19% In The Last Five Years

Feb 02

Why You Might Be Interested In First Financial Corporation (NASDAQ:THFF) For Its Upcoming Dividend

Jan 04

What Does First Financial's (NASDAQ:THFF) CEO Pay Reveal?

Dec 23

What Makes First Financial Corporation (NASDAQ:THFF) A Great Dividend Stock?

Dec 02

First Financial raises dividend by ~2%

Nov 19

First Financial EPS beats by $0.29, beats on revenue

Oct 28

Shareholder Returns

	THFF	US Banks	US Market
7D	-3.1%	-1.1%	-0.4%
1Y	5.7%	29.5%	24.8%

Return vs Industry: THFF underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: THFF underperformed the US Market which returned 23.9% over the past year.

Price Volatility

Is THFF's price volatile compared to industry and market?
THFF volatility
THFF Average Weekly Movement	5.4%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: THFF has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: THFF's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1834	861	Norman Lowery	www.first-online.bank

First Financial Corporation, through its subsidiaries, provides various financial services. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. It also provides commercial loans primarily to expand a business or finance asset purchases; residential real estate and residential real estate construction loans; and home equity loans and lines, secured loans, and cash/CD secured and unsecured loans.

First Financial Corporation Fundamentals Summary

How do First Financial's earnings and revenue compare to its market cap?
THFF fundamental statistics
Market cap	US$556.11m
Earnings (TTM)	US$43.45m
Revenue (TTM)	US$190.12m

12.8x

P/E Ratio

1.0x

P/B Ratio

Is THFF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
THFF income statement (TTM)
Revenue	US$190.12m
Cost of Revenue	US$0
Gross Profit	US$190.12m
Other Expenses	US$146.67m
Earnings	US$43.45m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.68
Gross Margin	100.00%
Net Profit Margin	22.86%
Debt/Equity Ratio	20.3%

How did THFF perform over the long term?

See historical performance and comparison

Dividends

3.8%

Current Dividend Yield

49%

Payout Ratio

Does THFF pay a reliable dividends?

See THFF dividend history and benchmarks

When do you need to buy THFF by to receive an upcoming dividend?
First Financial dividend dates
Ex Dividend Date	Jan 03 2025
Dividend Pay Date	Jan 15 2025
Days until Ex dividend	8 days
Days until Dividend pay date	20 days

Does THFF pay a reliable dividends?

See THFF dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 09:25
End of Day Share Price	2024/12/24 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

First Financial Corporation is covered by 7 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Brian Martin	FIG Partners
Daniel Cardenas	Howe Barnes Hoefer & Arnett, Inc.
Brian Martin	Janney Montgomery Scott LLC

THFF Stock Overview

Rewards

Risk Analysis

First Financial Corporation Competitors

NasdaqGS:PGC

US$571.7m

NasdaqCM:GCBC

US$497.2m

NasdaqGS:AMNB

US$507.6m

NYSE:SMBK

US$532.2m

Price History & Performance

Recent News & Updates

First Financial (NASDAQ:THFF) Is Increasing Its Dividend To $0.51

Third quarter dividend increased to US$0.51

Price target increased by 9.7% to US$51.00

First Financial Corporation Declares Quarterly Dividend, Payable on January 15, 2025

Investor sentiment improves as stock rises 15%

First Financial: A Middle-Of-The-Pack Prospect

Recent updates

First Financial (NASDAQ:THFF) Is Increasing Its Dividend To $0.51

Third quarter dividend increased to US$0.51

Price target increased by 9.7% to US$51.00

First Financial Corporation Declares Quarterly Dividend, Payable on January 15, 2025

Investor sentiment improves as stock rises 15%

First Financial: A Middle-Of-The-Pack Prospect

Third quarter 2024 earnings: EPS misses analyst expectations

Upcoming dividend of US$0.45 per share

First Financial Corporation Declares Quarterly Dividend, Payable on October 15, 2024

Price target increased by 11% to US$47.00

Second quarter 2024 earnings: EPS in line with expectations, revenues disappoint

First Financial Corporation Reports Net Charge Offs for the Second Quarter Ended June 30, 2024

Investor sentiment improves as stock rises 16%

First Financial Corporation Declares Quarterly Dividend, Payable July 15, 2024

First quarter 2024 earnings: EPS and revenues miss analyst expectations

First Financial Corporation Reports Net Charge-Off for the First Quarter Ended March 31, 2024

Consensus EPS estimates fall by 14%

First Financial Corporation Declares Quarterly Dividend, Payable on April 15, 2024

First Financial Corporation, Annual General Meeting, Apr 17, 2024

Full year 2023 earnings: EPS and revenues miss analyst expectations

New major risk - Revenue and earnings growth

Consensus EPS estimates fall by 11%

Full year 2023 earnings: EPS and revenues miss analyst expectations

Price target increased by 7.2% to US$44.50

First Financial Corporation and First Financial Bank N.A Announces Retirement of Steven H. Holliday as Chief Credit Officer Effective June 28, 2024

Upcoming dividend of US$0.45 per share at 2.1% yield

First Financial Corporation Declares Quarterly Dividend, Payable on January 16, 2024

Third quarter 2023 earnings: EPS exceeds analyst expectations

First Financial Corporation Announces CEO Transition

First Financial Corporation Announces CEO Transition

First Financial Corporation Reports Net Charge-Offs Second Quarter Ended June 30, 2023

Second quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behind

Upcoming dividend of US$0.54 per share at 2.9% yield

First Financial (NASDAQ:THFF) Is Paying Out A Dividend Of $0.54

First Financial (NASDAQ:THFF) Will Pay A Dividend Of $0.54

First Financial Corporation Declares Semi-Annual Dividend, Payable on July 3, 2023

Independent Director recently bought US$64k worth of stock

Price target decreased by 8.9% to US$46.00

First quarter 2023 earnings: Revenues miss analyst expectations

Independent Director recently bought US$60k worth of stock

First Financial Corporation Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2022

Full year 2022 earnings: EPS in line with analyst expectations despite revenue beat

Now 21% undervalued after recent price drop

First Financial (NASDAQ:THFF) Is Paying Out A Larger Dividend Than Last Year

Upcoming dividend of US$0.74 per share

First Financial (NASDAQ:THFF) Will Pay A Larger Dividend Than Last Year At $0.74

First Financial Corporation Declares Semi-Annual Dividend, Payable on January 13, 2023

Third quarter 2022 earnings: EPS and revenues exceed analyst expectations

Second quarter 2022 earnings: EPS and revenues exceed analyst expectations

Upcoming dividend of US$0.54 per share

First Financial (NASDAQ:THFF) Is Increasing Its Dividend To US$0.54

First Financial Corporation Declares Semi-Annual Dividend, Payable on July 1, 2022

Consensus EPS estimates increase by 11%

First quarter 2022 earnings: EPS and revenues exceed analyst expectations

First Financial Corporation Reports Net Charge-Off for the First Quarter ended March 31, 2022

First Financial Corporation, Annual General Meeting, Apr 20, 2022

Full year 2021 earnings: EPS misses analyst expectations

Full year 2021 earnings: EPS misses analyst expectations

First Financial Corporation Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2021