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Upturn AI Summary - About
First Financial Corporation Indiana(THFF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for THFF
10/28/2026: THFF (3-star) is currently NOT-A-BUY. Pass it for now.
First Financial Corporation is a regional bank holding company providing traditional banking and wealth management services in the Midwest. Its strengths include a conservative approach to lending and a stable, loyal customer base that supports long-term consistency. The primary growth opportunity lies in enhancing digital banking capabilities and selectively expanding its regional footprint. Risks include geographic concentration in the Midwest and intense industry competition for deposits, which can impact profitability during interest rate shifts. The company may suit value and dividend-focused investors seeking steady income, though stakeholders should monitor regional economic health and deposit costs as key developments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in a mature, slow-growth industry rather than high-growth sectors. |
| Momentum investor | Weak fit | The stock typically exhibits low volatility and does not follow strong momentum patterns. |
| Value investor | Strong fit | The company often trades at reasonable valuation multiples relative to its regional banking peers. |
| Dividend investor | Strong fit | The company has a consistent history of dividend payments suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | The conservative management and focus on traditional banking services result in a lower-risk profile. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock tends to be less volatile than the broader market. |
| Valuation risk | Medium | Market pricing is tied to regional economic health and interest rate cycles. |
| Competition risk (Regional Banking) | Medium / high | Intense local competition for deposits can pressure margins. |
| Business quality | Medium | The company maintains solid asset quality but lacks broad diversification. |
| Dividend income | Low / none | The dividend is historically stable, reducing income risk. |
| Execution risk | Medium | Successfully integrating future acquisitions or digital updates is key. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 32.05% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 924.95M USD | Price to earnings Ratio 10.1 | 1Y Target Price 85.33 |
Price to earnings Ratio 10.1 | 1Y Target Price 85.33 | ||
Volume (30-day avg) 132.1K shares | Beta 0.44 | 52 Weeks Range 50.74 - 83.53 | Updated Date 10/28/2026 |
52 Weeks Range 50.74 - 83.53 | Updated Date 10/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.7 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way the bank makes money is by lending out customer deposits at higher rates than it pays to keep them. |
| Non-Interest Income | Fees from trust services, wealth management, and service charges. | These are service fees that provide a steady stream of income independent of interest rate cycles. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When Before Market | Estimate 2 | Actual 2.31 |
Profitability
Profit Margin 31.61% | Operating Margin (TTM) 40.71% |
Management Effectiveness
Return on Assets (TTM) 1.44% | Return on Equity (TTM) 13.42% |
Valuation
Trailing PE 10.1 | Forward PE 8.94 | Enterprise Value 1.42B | Price to Sales(TTM) 3.45 |
Enterprise Value 1.42B | Price to Sales(TTM) 3.45 | ||
Enterprise Value to Revenue 4.35 | Enterprise Value to EBITDA - | Shares Outstanding 11.89M | Shares Floating 11.29M |
Shares Outstanding 11.89M | Shares Floating 11.29M | ||
Percent Insiders 3.73 | Percent Institutions 63.2 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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