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Upturn AI SWOT - About
THFF 
First Financial Corporation Indiana (THFF)
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Upturn Advisory Summary
09/15/2025: THFF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $61.5
1 Year Target Price $61.5
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15.03% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 691.48M USD | Price to earnings Ratio 11.16 | 1Y Target Price 61.5 |
Price to earnings Ratio 11.16 | 1Y Target Price 61.5 | ||
Volume (30-day avg) 3 | Beta 0.48 | 52 Weeks Range 39.33 - 60.77 | Updated Date 09/15/2025 |
52 Weeks Range 39.33 - 60.77 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 3.37% | Basic EPS (TTM) 5.23 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.89% | Operating Margin (TTM) 38.66% |
Management Effectiveness
Return on Assets (TTM) 1.18% | Return on Equity (TTM) 11.08% |
Valuation
Trailing PE 11.16 | Forward PE 8.94 | Enterprise Value 872903104 | Price to Sales(TTM) 3 |
Enterprise Value 872903104 | Price to Sales(TTM) 3 | ||
Enterprise Value to Revenue 3.31 | Enterprise Value to EBITDA - | Shares Outstanding 11850600 | Shares Floating 11243892 |
Shares Outstanding 11850600 | Shares Floating 11243892 | ||
Percent Insiders 5.03 | Percent Institutions 81.62 |
Upturn AI SWOT
First Financial Corporation Indiana
Company Overview
History and Background
First Financial Corporation Indiana was established in 1834 as the Terre Haute Savings Bank. Over time, it has grown through strategic acquisitions and organic expansion, evolving into a diversified financial services provider.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate financing, working capital loans, and treasury management services.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
Norman L. Lowery serves as the Chairman, President, and CEO. The company operates with a traditional hierarchical structure, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial real estate projects. Market share data not publicly available. Competitors include larger regional and national banks such as US Bancorp (USB) and Huntington Bancshares (HBAN).
- Mortgages: Residential mortgage lending. Market share data not publicly available. Competitors include Rocket Mortgage and Wells Fargo (WFC).
- Wealth Management Services: Financial planning and investment management. Market share data not publicly available. Competitors include Charles Schwab (SCHW) and Fidelity.
Market Dynamics
Industry Overview
The banking industry is facing increasing regulatory scrutiny, rising interest rates, and growing competition from non-traditional financial service providers.
Positioning
First Financial Corporation Indiana positions itself as a community-focused bank with strong customer relationships and a commitment to local economic development.
Total Addressable Market (TAM)
The total addressable market for banking services in the Midwest is substantial. First Financial Corporation Indiana is positioned to capture a segment of this market through its local presence and customer service approach.
Upturn SWOT Analysis
Strengths
- Strong local presence in Indiana and surrounding states
- Established customer relationships
- Experienced management team
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to larger competitors
- Dependence on traditional banking services
- Higher expense ratio than competitors
- Lower return on equity
Opportunities
- Expanding into new markets through acquisitions or organic growth
- Developing new digital banking services
- Capitalizing on the growing wealth management market
- Increasing operational efficiency
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- Old National Bancorp (ONB)
- Huntington Bancshares (HBAN)
- Fifth Third Bancorp (FITB)
Competitive Landscape
First Financial Corporation Indiana faces competition from larger regional banks with greater resources, but differentiates itself through its community focus and personalized service.
Major Acquisitions
Greene County Bancorp
- Year: 2018
- Acquisition Price (USD millions): 160
- Strategic Rationale: Expanded market presence in southwestern Indiana.
Growth Trajectory and Initiatives
Historical Growth: First Financial Corporation Indiana has experienced steady growth in assets, loans, and deposits over the past five years.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion in existing markets and strategic acquisitions.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of wealth management services.
Summary
First Financial Corporation Indiana is a stable regional bank with consistent growth. Its strong local presence and diversified business lines provide a solid foundation. However, it faces increasing competition and needs to adapt to changing technology trends. A focus on efficiency and strategic acquisitions will be crucial for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Analyst Reports
- Industry Research Reports
- Company Website
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Financial Corporation Indiana
Exchange NASDAQ | Headquaters Terre Haute, IN, United States | ||
IPO Launch date 1992-03-03 | President, CEO & Director Mr. Norman D. Lowery | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 937 | Website https://www.first-online.bank |
Full time employees 937 | Website https://www.first-online.bank | ||
First Financial Corporation, through its subsidiaries, provides various financial products and services in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia. It offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. The company 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, it offers lease financing, trust account, depositor, investment, and insurance services. The company was founded in 1834 and is headquartered in Terre Haute, Indiana.
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