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

THFF Stock Overview

First Financial Corporation, through its subsidiaries, provides various financial services.

THFF fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	0/6
Past Performance	3/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 63.2% below our estimate of its fair value

Earnings grew by 4.5% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Earnings are forecast to decline by an average of 1.6% per year for the next 3 years

Unstable dividend track record

First Financial Corporation Competitors

Cambridge Bancorp

NasdaqCM:CATC

US$457.8m

American National Bankshares

NasdaqGS:AMNB

US$436.2m

Central Pacific Financial

NYSE:CPF

US$468.7m

Northfield Bancorp (Staten Island NY)

NasdaqGS:NFBK

US$427.1m

Price History & Performance

Summary of all time highs, changes and price drops for First Financial
Historical stock prices
Current Share Price	US$38.36
52 Week High	US$48.40
52 Week Low	US$31.00
Beta	0.53
1 Month Change	12.76%
3 Month Change	4.47%
1 Year Change	-20.20%
3 Year Change	-0.88%
5 Year Change	-13.19%
Change since IPO	557.87%

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	2.2%	1.6%	0.09%
1Y	-20.2%	-10.9%	10.4%

Return vs Industry: THFF underperformed the US Banks industry which returned -11% over the past year.

Return vs Market: THFF underperformed the US Market which returned 13.3% over the past year.

Price Volatility

Is THFF's price volatile compared to industry and market?
THFF volatility
THFF Average Weekly Movement	3.4%
Banks Industry Average Movement	4.5%
Market Average Movement	6.0%
10% most volatile stocks in US Market	15.4%
10% least volatile stocks in US Market	2.9%

Stable Share Price: THFF is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: THFF's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1834	900	Norm Lowery	https://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$444.67m
Earnings (TTM)	US$64.77m
Revenue (TTM)	US$213.83m

7.0x

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
THFF income statement (TTM)
Revenue	US$213.83m
Cost of Revenue	US$0
Gross Profit	US$213.83m
Other Expenses	US$149.06m
Earnings	US$64.77m

Last Reported Earnings

Sep 30, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	5.51
Gross Margin	100.00%
Net Profit Margin	30.29%
Debt/Equity Ratio	46.2%

How did THFF perform over the long term?

See historical performance and comparison

Dividends

2.8%

Current Dividend Yield

20%

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	Dec 29 2023
Dividend Pay Date	Jan 16 2024
Days until Ex dividend	28 days
Days until Dividend pay date	46 days

Does THFF pay a reliable dividends?

See THFF dividend history and benchmarks

THFF Stock Overview

Rewards

Risk Analysis

First Financial Corporation Competitors

NasdaqCM:CATC

US$457.8m

NasdaqGS:AMNB

US$436.2m

NYSE:CPF

US$468.7m

NasdaqGS:NFBK

US$427.1m

Price History & Performance

Recent News & Updates

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

Recent updates

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

Second quarter 2021 earnings released: EPS US$1.24 (vs US$0.87 in 2Q 2020)

Upcoming dividend of US$0.53 per share

First Financial Corporation Announces Declaration of Semi-Annual Dividend, Payable on July 1, 2021

First quarter 2021 earnings released: EPS US$0.95 (vs US$0.89 in 1Q 2020)

First Financial Corporation Announces Net Charge-Offs for the Quarter Ended March 31, 2021

First Financial EPS beats by $0.12, misses on revenue

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

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

Full year 2020 earnings released: EPS US$3.93 (vs US$3.80 in FY 2019)

Earnings beat expectations, revenue disappoints

First Financial Corporation, Annual General Meeting, Apr 21, 2021

New 90-day high: US$45.18

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

Analysts update estimates

New 90-day high: US$42.26

Full year 2020 earnings released: EPS US$3.93 (vs US$3.80 in FY 2019)

Earnings beat expectations, revenue disappoints

An unknown buyer acquired Merchant Card Processing Portfolio of First Financial Corporation (NasdaqGS:THFF).

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

First Financial Corporation(NasdaqGS:THFF) dropped from Russell 2000 Growth-Defensive Index

New 90-day high: US$42.08

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