THFF - First Financial Corp-IN Stock Price, Fair Value and News

35.23USD+0.23 (+0.66%)Market Closed

Market Summary

USD35.23+0.23

Market Closed

0.66%

THFF Alerts

1 major insider buys recently.

THFF Stock Price

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THFF RSI Chart

THFF Valuation

Market Cap

416.2M

Price/Earnings (Trailing)

6.86

Price/Sales (Trailing)

1.82

EV/EBITDA

1.38

Price/Free Cashflow

5.23

THFF Price/Sales (Trailing)

THFF Profitability

EBT Margin

31.74%

Return on Equity

11.49%

Return on Assets

1.25%

Free Cashflow Yield

19.11%

THFF Fundamentals

THFF Revenue

Revenue (TTM)

228.4M

Rev. Growth (Yr)

12.54%

Rev. Growth (Qtr)

0.04%

THFF Earnings

Earnings (TTM)

60.7M

Earnings Growth (Yr)

-24.82%

Earnings Growth (Qtr)

-23.73%

Breaking Down THFF Revenue

Last 7 days

-1.2%

Last 30 days

-3.0%

Last 90 days

-12.5%

Trailing 12 Months

0.2%

How does THFF drawdown profile look like?

THFF Financial Health

THFF Investor Care

Dividend Yield

4.91%

Dividend/Share (TTM)

1.73

Buy Backs (1Y)

2.09%

Diluted EPS (TTM)

5.09

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	198.3M	211.4M	221.9M	228.4M
2022	154.5M	159.8M	169.9M	183.3M
2021	156.4M	155.1M	153.7M	152.2M
2020	157.9M	163.9M	163.8M	160.5M
2019	129.5M	129.8M	138.0M	149.1M
2018	115.7M	120.5M	123.1M	126.2M
2017	110.0M	111.0M	112.4M	114.2M
2016	108.8M	109.0M	108.8M	109.4M
2015	111.6M	110.5M	109.7M	108.7M
2014	116.1M	115.9M	114.6M	113.4M
2013	120.1M	117.3M	116.6M	116.2M
2012	118.2M	119.8M	121.1M	122.3M
2011	121.7M	120.2M	118.2M	116.3M
2010	0	125.4M	124.5M	123.6M
2009	0	0	0	126.3M

Get all data in R, Python etc through our Historical Stock Data APIs

GRUFITY'S FAIR VALUE MODEL

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

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Tracking the Latest Insider Buys and Sells of First Financial Corp-IN

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 06, 2024	jensen susan m	bought	1,739	37.82	46.00	-
Mar 01, 2024	jensen susan m	acquired	-	-	21.00	-
Feb 28, 2024	pierson paul joseph ii	bought	18,405	36.81	500	-
Feb 07, 2024	jensen susan m	bought	3,522	37.47	94.00	-
Feb 06, 2024	franklin mark allen	acquired	-	-	3,240	chief lending officer
Feb 06, 2024	mchargue rodger allen	acquired	-	-	3,880	chief financial officer
Feb 06, 2024	lowery norman l	acquired	-	-	13,170	executive chairman
Feb 06, 2024	lowery norman d	acquired	-	-	4,273	president & c.e.o.
Feb 06, 2024	holliday steven harold	acquired	-	-	3,240	chief credit officer
Feb 01, 2024	pierson paul joseph ii	bought	19,345	38.69	500	-

Which funds bought or sold THFF recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 17, 2024	Hennion & Walsh Asset Management, Inc.	sold off	-100	-225,047	-	-%
Apr 15, 2024	OLD NATIONAL BANCORP /IN/	reduced	-2.14	-128,910	875,839	0.02%
Apr 12, 2024	Perkins Coie Trust Co	reduced	-27.65	-331,910	601,624	0.14%
Apr 12, 2024	FIRST FINANCIAL CORP /IN/	added	0.24	-3,388,900	28,261,700	14.35%
Apr 05, 2024	CWM, LLC	added	1,365	90,000	97,000	-%
Apr 05, 2024	LOS ANGELES CAPITAL MANAGEMENT LLC	reduced	-1.37	-61,067	441,868	-%
Mar 22, 2024	PNC FINANCIAL SERVICES GROUP, INC.	added	371	3,550	4,260	-%
Mar 11, 2024	VANGUARD GROUP INC	added	0.86	7,179,570	32,493,500	-%
Mar 05, 2024	Fisher Asset Management, LLC	unchanged	-	491,841	2,295,440	-%
Mar 01, 2024	GOLDMAN SACHS GROUP INC	added	89.99	3,144,450	5,361,880	-%

Are Funds Buying or Selling THFF?

Are funds buying THFF calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own THFF

No. of Funds

THFF Alerts

1 major insider buys recently.

Unveiling First Financial Corp-IN's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	6.42%	755,135	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	6.0%	703,304	SC 13G
Jan 24, 2024	blackrock inc.	11.0%	1,287,134	SC 13G/A
Feb 09, 2023	vanguard group inc	6.04%	726,353	SC 13G
Jan 26, 2023	blackrock inc.	10.3%	1,236,601	SC 13G/A
Jan 20, 2023	blackrock inc.	10.3%	1,236,601	SC 13G/A
Feb 10, 2022	vanguard group inc	4.89%	629,486	SC 13G/A
Feb 09, 2022	blackrock inc.	10.5%	1,320,213	SC 13G/A
Feb 01, 2022	blackrock inc.	8.8%	1,138,170	SC 13G/A
Feb 12, 2021	princeton mining co inc	8.7%	1,179,074	SC 13G

Recent SEC filings of First Financial Corp-IN

View All Filings

Date Filed	Form Type	Document
Apr 17, 2024	8-K	Current Report
Apr 12, 2024	13F-HR	Fund Holdings Report
Mar 19, 2024	4	Insider Trading
Mar 19, 2024	8-K	Current Report
Mar 18, 2024	ARS	ARS
Mar 15, 2024	DEF 14A	DEF 14A
Mar 11, 2024	10-K	Annual Report
Mar 11, 2024	4	Insider Trading
Mar 08, 2024	4	Insider Trading
Feb 13, 2024	SC 13G/A	Major Ownership Report

Peers (Alternatives to First Financial Corp-IN)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	522.1B	171.1B	-6.46%	28.36%	10.54	3.05	60.72%	31.52%
BAC	281.5B	130.3B	-0.75%	18.96%	10.62	2.16	79.51%	-3.68%
WFC	210.3B	85.7B	3.10%	39.16%	10.99	2.45	41.49%	39.96%
C	111.5B	133.3B	-0.93%	15.69%	12.08	0.84	79.09%	-
CFG	15.1B	10.2B	-1.88%	7.84%	9.38	1.48	44.53%	-22.43%
KEY	13.4B	7.9B	-0.76%	16.16%	13.89	1.69	46.47%	-49.56%
MID-CAP
CMA	6.7B	4.2B	1.60%	7.60%	7.62	1.61	56.25%	-23.46%
ZION	5.8B	3.9B	-1.36%	19.93%	8.55	1.47	45.91%	-25.03%
ABCB	3.1B	1.3B	-2.95%	27.92%	11.48	2.41	43.24%	-22.35%
ASB	3.0B	2.0B	-1.33%	8.51%	16.53	1.54	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	393.0M	164.9M	-4.83%	27.38%	33.6	2.38	42.66%	-70.76%
AROW	361.7M	162.6M	-7.65%	-5.53%	12.03	2.22	25.39%	-38.37%
ACNB	269.1M	96.6M	-9.91%	0.13%	8.49	2.78	11.02%	-11.37%
ASRV	44.8M	60.9M	9.21%	-17.67%	-13.38	0.74	24.06%	-144.92%

First Financial Corp-IN News

Latest updates

First Financial Corp-IN Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	0.0%	59.00	59.00	56.00	55.00	52.00	48.00	43.00	40.00	39.00	38.00	38.00	37.00	40.00	40.00	39.00	41.00	44.00	40.00	33.00	33.00	33.00
EBITDA Margin	-4.7%	1.10*	1.15*	1.23*	1.30*	1.41*	1.42*	1.45*	1.48*	1.41*	1.47*	1.44*	1.39*	-	-	-	-	-	-	-	-	-
Interest Expenses	-3.8%	40.00	41.00	42.00	44.00	44.00	43.00	40.00	38.00	37.00	36.00	36.00	35.00	38.00	37.00	36.00	36.00	38.00	34.00	30.00	29.00	30.00
Income Taxes	-44.6%	2.00	3.00	4.00	4.00	2.00	5.00	4.00	6.00	1.00	4.00	4.00	3.00	3.00	3.00	3.00	3.00	4.00	3.00	3.00	2.00	2.00
Earnings Before Taxes	-27.0%	14.00	19.00	19.00	20.00	19.00	23.00	19.00	27.00	9.00	20.00	21.00	16.00	19.00	17.00	15.00	15.00	18.00	15.00	16.00	12.00	13.00
EBT Margin	-9.0%	0.32*	0.35*	0.38*	0.41*	0.48*	0.46*	0.47*	0.49*	0.43*	0.49*	0.47*	0.42*	-	-	-	-	-	-	-	-	-
Net Income	-23.7%	12.00	16.00	16.00	16.00	17.00	18.00	16.00	21.00	7.00	16.00	17.00	13.00	16.00	14.00	12.00	12.00	14.00	12.00	13.00	10.00	11.00
Net Income Margin	-9.0%	0.27*	0.29*	0.31*	0.33*	0.39*	0.36*	0.38*	0.40*	0.35*	0.40*	0.38*	0.35*	-	-	-	-	-	-	-	-	-
Free Cashflow	-30.4%	19.00	27.00	14.00	21.00	27.00	19.00	12.00	19.00	13.00	15.00	10.00	14.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	1.4%	4,851	4,785	4,877	4,867	4,989	5,009	5,007	5,099	5,175	4,801	4,753	4,681	4,561	4,390	4,368	4,062	4,023	3,988	3,064	3,026	3,009
Cash Equivalents	2.8%	77.00	75.00	82.00	83.00	223	328	415	602	688	758	678	667	657	388	387	211	127	80.00	61.00	55.00	74.00
Net PPE	-0.2%	67.00	67.00	67.00	68.00	66.00	68.00	69.00	70.00	70.00	63.00	64.00	63.00	62.00	63.00	63.00	63.00	63.00	71.00	46.00	46.00	47.00
Goodwill	0%	87.00	87.00	87.00	87.00	87.00	87.00	87.00	86.00	86.00	79.00	79.00	79.00	79.00	79.00	79.00	79.00	79.00	75.00	34.00	34.00	34.00
Liabilities	0.2%	4,323	4,315	4,380	4,361	4,514	4,571	4,545	4,573	4,593	4,206	4,165	4,083	3,964	3,783	3,778	3,481	3,466	3,432	2,586	2,563	2,566
Short Term Borrowings	-	-	-	-	-	-	89.00	-	-	93.00	-	-	-	-	-	-	-	-	-	-	-	-
Shareholder's Equity	12.3%	528	470	497	505	475	439	462	525	583	595	588	598	597	607	590	582	547	557	478	463	443
Retained Earnings	1.1%	664	657	640	631	615	607	589	580	559	560	544	534	521	523	509	504	492	485	473	466	457
Additional Paid-In Capital	0.2%	144	144	144	143	143	143	142	142	142	141	141	141	141	140	140	140	140	139	77.00	77.00	77.00
Shares Outstanding	0.3%	12.00	12.00	12.00	12.00	12.00	12.00	12.00	13.00	13.00	13.00	13.00	14.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	358	-	-	-	491	-	-	-	492	-	-	-	472	-	-	-	458	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-30.1%	19,897	28,467	13,949	23,777	26,491	19,678	12,073	20,545	12,159	15,388	12,328	15,192	24,632	13,080	14,034	25,679	10,761	11,326	13,784	14,030	15,927
Cashflow From Investing	-162.5%	-25,428	40,697	-23,539	-13,828	-80,573	-124,397	-150,452	-78,267	-156,605	29,423	-55,506	-129,468	84,283	-23,613	-127,267	50,349	-5,005	17,621	-23,443	-22,039	2,801
Cashflow From Financing	110.0%	7,622	-76,591	9,064	-149,845	-56,843	22,788	-48,158	-28,395	74,353	35,447	54,194	123,652	160,115	12,466	288,706	7,580	41,477	-9,638	15,916	-11,752	5,642
Dividend Payments	-	-	-	6,471	8,912	-	-	6,507	7,952	-	-	6,999	7,182	-	-	7,131	7,142	-	-	6,390	6,258	-
Buy Backs	-100.0%	-	8,441	2,691	382	-	417	17,620	9,664	12,052	7,029	22,024	1,366	7,496	-	-	1,724	-	-	-	315	-

THFF Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME/(LOSS) - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
INTEREST INCOME:
Loans, including related fees	$ 189,641	$ 146,295	$ 128,000
Securities:
Taxable	24,643	21,014	13,110
Tax-exempt	10,573	9,974	8,762
Other	3,540	6,018	2,326
TOTAL INTEREST INCOME	228,397	183,301	152,198
INTEREST EXPENSE:
Deposits	51,694	16,743	8,158
Short-term borrowings	5,370	1,243	387
Other borrowings	4,071	273	252
TOTAL INTEREST EXPENSE	61,135	18,259	8,797
NET INTEREST INCOME	167,262	165,042	143,401
Provision for credit losses	7,295	(2,025)	2,466
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	159,967	167,067	140,935
NON-INTEREST INCOME:
Trust and financial services	5,155	5,155	5,255
Service charges and fees on deposit accounts	28,079	27,540	24,700
Other service charges and fees	801	665	1,163
Securities gains/(losses), net	(1)	3	114
Interchange income	676	559	438
Loan servicing fees	1,176	1,554	1,849
Gain on sales of mortgage loans	966	1,994	5,003
Other	5,850	9,246	3,562
TOTAL NON-INTEREST INCOME	42,702	46,716	42,084
NON-INTEREST EXPENSE:
Salaries and employee benefits	68,525	65,555	64,474
Occupancy expense	9,351	9,764	8,774
Equipment expense	14,020	12,391	10,174
FDIC Expense	2,907	2,327	1,294
Other	35,373	35,986	32,690
TOTAL NON-INTEREST EXPENSE	130,176	126,023	117,406
INCOME BEFORE INCOME TAXES	72,493	87,760	65,613
Provision for income taxes	11,821	16,651	12,626
NET INCOME	60,672	71,109	52,987
OTHER COMPREHENSIVE INCOME (LOSS)
Change in unrealized gains/(losses) on securities, net of reclassifications and taxes	10,896	(144,570)	(18,488)
Change in funded status of post retirement benefits, net of taxes	1,991	7,022	6,298
COMPREHENSIVE INCOME (LOSS)	$ 73,559	$ (66,439)	$ 40,797
PER SHARE DATA
Basic Earnings per Share (in dollars per share)	$ 5.08	$ 5.82	$ 4.02
Diluted Earnings per Share (in dollars per share)	$ 5.08	$ 5.82	$ 4.02
Weighted average number of shares outstanding, basic (in shares)	11,937	12,211	13,190
Weighted average number of shares outstanding, diluted (in shares)	11,937	12,211	13,190

THFF Balance Sheet

2023-12-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 76,759	$ 222,517
Federal funds sold	282	9,374
Securities available-for-sale	1,259,137	1,330,481
Loans	3,160,072	3,060,263
(Less) plus: Net deferred loan (fees)/costs	7,749	7,175
Allowance for credit losses	(39,767)	(39,779)
Loans, net	3,128,054	3,027,659
Restricted stock	15,364	15,378
Accrued interest receivable	24,877	21,288
Premises and equipment, net	67,286	66,147
Bank-owned life insurance	114,122	115,704
Goodwill	86,985	86,985
Other intangible assets	5,586	6,714
Other real estate owned	107	337
Other assets	72,587	86,697
TOTAL ASSETS	4,851,146	4,989,281
Deposits:
Non-interest-bearing	750,335	857,920
Interest-bearing:
Certificates of deposit exceeding the FDIC insurance limits	92,921	50,608
Other interest-bearing deposits	3,246,812	3,460,343
Total Deposits	4,090,068	4,368,871
Short-term borrowings	67,221	70,875
Other borrowings	108,577	9,589
Other liabilities	57,304	64,653
TOTAL LIABILITIES	4,323,170	4,513,988
Shareholders' equity
Common stock, $0.125 stated value per share; Authorized shares - 40,000,000; Issued shares-16,137,220 in 2023 and 16,114,992 in 2022; Outstanding shares - 11,795,024 in 2023 and 12,051,964 in 2022	2,014	2,012
Additional paid-in capital	144,152	143,185
Retained earnings	663,726	614,829
Accumulated other comprehensive loss	(127,087)	(139,974)
Less: Treasury shares at cost - 4,342,196 in 2023 and 4,063,028 in 2022	(154,829)	(144,759)
TOTAL SHAREHOLDERS' EQUITY	527,976	475,293
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	4,851,146	4,989,281
Commercial
ASSETS
Loans	1,817,526	1,798,260
Residential
ASSETS
Loans	695,788	673,464
Consumer
ASSETS
Loans	$ 646,758	$ 588,539

About First Financial Corp-IN

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. In addition, the company offers lease financing, trust account, depositor, and insurance services. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.

CEO	Mr. Norman L. Lowery
WEBSITE	first-online.bank
INDUSTRY	Banks Diversified
EMPLOYEES	900

First Financial Corp-IN Frequently Asked Questions

What is the ticker symbol for First Financial Corp-IN? What does THFF stand for in stocks?

THFF is the stock ticker symbol of First Financial Corp-IN. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of First Financial Corp-IN (THFF)?

As of Thu Apr 18 2024, market cap of First Financial Corp-IN is 416.21 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of THFF stock?

You can check THFF's fair value in chart for subscribers.

What is the fair value of THFF stock?

You can check THFF's fair value in chart for subscribers. The fair value of First Financial Corp-IN is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of First Financial Corp-IN is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for THFF so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is First Financial Corp-IN a good stock to buy?

The fair value guage provides a quick view whether THFF is over valued or under valued. Whether First Financial Corp-IN is cheap or expensive depends on the assumptions which impact First Financial Corp-IN's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for THFF.

What is First Financial Corp-IN's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu Apr 18 2024, THFF's PE ratio (Price to Earnings) is 6.86 and Price to Sales (PS) ratio is 1.82. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. THFF PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on First Financial Corp-IN's stock?

In the past 10 years, First Financial Corp-IN has provided 0.035 (multiply by 100 for percentage) rate of return.