First Financial (Nasdaq:THFF) - Stock Price, News & Analysis

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 65.9% below our estimate of its fair value

Earnings are forecast to grow 17.93% per year

Risk Analysis

Unstable dividend track record

First Financial Corporation Competitors

Midland States Bancorp

NasdaqGS:MSBI

US$586.2m

Peapack-Gladstone Financial

NasdaqGS:PGC

US$634.7m

Bar Harbor Bankshares

NYSEAM:BHB

US$549.2m

Greene County Bancorp

NasdaqCM:GCBC

US$537.9m

Price History & Performance

Summary of all time highs, changes and price drops for First Financial
Historical stock prices
Current Share Price	US$49.83
52 Week High	US$50.63
52 Week Low	US$34.58
Beta	0.47
11 Month Change	18.30%
3 Month Change	11.50%
1 Year Change	30.48%
33 Year Change	13.77%
5 Year Change	12.69%
Change since IPO	754.58%

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	1.4%	1.8%	2.2%
1Y	30.5%	57.7%	31.6%

Return vs Industry: THFF underperformed the US Banks industry which returned 57.8% over the past year.

Return vs Market: THFF underperformed the US Market which returned 31.7% 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	5.1%
Market Average Movement	6.3%
10% most volatile stocks in US Market	15.7%
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$588.41m
Earnings (TTM)	US$43.45m
Revenue (TTM)	US$190.12m

13.5x

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

3.6%

Current Dividend Yield

49%

Payout Ratio

THFF Stock Overview

Rewards

Risk Analysis

First Financial Corporation Competitors

NasdaqGS:MSBI

US$586.2m

NasdaqGS:PGC

US$634.7m

NYSEAM:BHB

US$549.2m

NasdaqCM:GCBC

US$537.9m

Price History & Performance

Recent News & Updates

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

Recent updates

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

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

Upcoming dividend of US$0.63 per share

First Financial Corporation (NasdaqGS:THFF) agreed to acquire Hancock Bancorp, Inc. for $31.4 million.

Consensus EPS estimates increase to US$4.36