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Upturn AI SWOT - About
THFF 
First Financial Corporation Indiana (THFF)
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Upturn Advisory Summary
08/28/2025: 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 17.79% | Avg. Invested days 45 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 703.10M USD | Price to earnings Ratio 11.34 | 1Y Target Price 61.5 |
Price to earnings Ratio 11.34 | 1Y Target Price 61.5 | ||
Volume (30-day avg) 3 | Beta 0.47 | 52 Weeks Range 39.33 - 59.70 | Updated Date 08/29/2025 |
52 Weeks Range 39.33 - 59.70 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 3.34% | 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 11.34 | Forward PE 8.94 | Enterprise Value 884516736 | Price to Sales(TTM) 3.05 |
Enterprise Value 884516736 | Price to Sales(TTM) 3.05 | ||
Enterprise Value to Revenue 3.36 | Enterprise Value to EBITDA - | Shares Outstanding 11850600 | Shares Floating 11243892 |
Shares Outstanding 11850600 | Shares Floating 11243892 | ||
Percent Insiders 5.03 | Percent Institutions 80.78 |
Upturn AI SWOT
First Financial Corporation Indiana
Company Overview
History and Background
First Financial Corporation Indiana was founded in 1834 as the Terre Haute Savings Bank. Over time, it has grown through acquisitions and organic expansion, evolving into a diversified financial services company.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services including lending, deposit accounts, and cash management to businesses of all sizes.
- Retail Banking: Offers consumer banking services such as checking and savings accounts, mortgages, auto loans, and credit cards.
- Wealth Management: Provides wealth management services, including investment management, financial planning, and trust services.
- Insurance: Offers insurance products and services through its insurance agency subsidiary.
Leadership and Structure
Norman L. Lowery serves as Chairman, President, and CEO. The company operates with a traditional corporate structure, with various departments reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant source of revenue for First Financial. Market share data varies by region and loan type and is difficult to ascertain as First Financial's market share is regional. Competitors include large national banks like JPMorgan Chase (JPM) and regional players like Old National Bancorp (ONB).
- Mortgages: Residential mortgages are a key offering. Market share is dependent on geography. Competitors include Quicken Loans and local banks/credit unions.
- Wealth Management Services: First Financial provides investment management, financial planning, and trust services. Competitors in this area include Charles Schwab (SCHW), Fidelity, and regional investment advisors.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. The industry is consolidating, with larger banks acquiring smaller institutions.
Positioning
First Financial Corporation Indiana is a regional bank focused on providing personalized service to its customers. Its competitive advantages include its strong local presence, experienced management team, and diversified product offerings.
Total Addressable Market (TAM)
The TAM for banking and financial services in First Financial's operating region is estimated at billions of dollars annually. First Financial is positioned to capture a portion of this market through its established presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Diversified product offerings
- Conservative credit culture
- Strong community relationships
Weaknesses
- Limited geographic reach
- Smaller size compared to national banks
- Dependence on traditional banking channels
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Acquisition of smaller banks
- Growth in wealth management business
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- ONB
- KEY
Competitive Landscape
First Financial faces intense competition from larger national banks and regional players. To compete effectively, it must focus on providing superior customer service and developing innovative products and services.
Major Acquisitions
Integra Bank Corporation
- Year: 2012
- Acquisition Price (USD millions): 83
- Strategic Rationale: Expanded First Financial's market presence in Indiana and Kentucky.
Growth Trajectory and Initiatives
Historical Growth: Historical growth cannot be determined without access to historical financial data.
Future Projections: Cannot calculate future projections without analyst estimate data.
Recent Initiatives: Requires review of news and press releases for details on strategic initatives.
Summary
First Financial Corporation Indiana is a well-established regional bank with a strong local presence. Its diversified product offerings and experienced management team provide a solid foundation for future growth. However, the company faces challenges from increased competition and a changing regulatory environment, which it must navigate carefully to maintain its profitability and market share. Their growth trajectory will rely on smart acquisitions and expansion into new digital markets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is approximate and may vary by region and product. Financial metrics and analysis are based on publicly available information and assumptions. AI rating should not be the sole determiner of investment decisions.
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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