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First Financial Corporation Indiana (THFF)

Upturn stock ratingUpturn stock rating
$54.19
Last Close (24-hour delay)
Profit since last BUY8.34%
upturn advisory
Consider higher Upturn Star rating
BUY since 38 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Upturn Advisory Summary

06/30/2025: THFF (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

3 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $56.67

1 Year Target Price $56.67

Analysts Price Target For last 52 week
$56.67Target price
Low$34.5
Current$54.19
high$54.63

Analysis of Past Performance

Type Stock
Historic Profit 6.55%
Avg. Invested days 39
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 642.42M USD
Price to earnings Ratio 11.73
1Y Target Price 56.67
Price to earnings Ratio 11.73
1Y Target Price 56.67
Volume (30-day avg) 3
Beta 0.43
52 Weeks Range 34.50 - 54.63
Updated Date 06/30/2025
52 Weeks Range 34.50 - 54.63
Updated Date 06/30/2025
Dividends yield (FY) 3.77%
Basic EPS (TTM) 4.62

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 25.4%
Operating Margin (TTM) 40.52%

Management Effectiveness

Return on Assets (TTM) 1.05%
Return on Equity (TTM) 10.02%

Valuation

Trailing PE 11.73
Forward PE 8.94
Enterprise Value 825882496
Price to Sales(TTM) 2.98
Enterprise Value 825882496
Price to Sales(TTM) 2.98
Enterprise Value to Revenue 3.31
Enterprise Value to EBITDA -
Shares Outstanding 11850600
Shares Floating 11237611
Shares Outstanding 11850600
Shares Floating 11237611
Percent Insiders 5.03
Percent Institutions 79.61

Analyst Ratings

Rating 2
Target Price 56.67
Buy 1
Strong Buy 1
Buy 1
Strong Buy 1
Hold 1
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

First Financial Corporation Indiana

stock logo

Company Overview

overview logo History and Background

First Financial Corporation Indiana (THFF) was founded in 1834 as Terre Haute First National Bank. It has grown through organic expansion and acquisitions, evolving into a diversified financial services provider.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of commercial lending products, deposit accounts, and treasury management services to businesses.
  • Retail Banking: Provides personal banking services including checking and savings accounts, mortgages, and consumer loans.
  • Wealth Management: Offers trust and investment management services to individuals and institutions.
  • Insurance: Provides a range of insurance products to both commercial and retail clients.

leadership logo Leadership and Structure

Norman L. Lowery serves as Chairman, President, and CEO. The organizational structure includes various departments overseen by executive management.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Provide financing for businesses, including term loans, lines of credit, and real estate loans. Market share information is not publicly available at a granular product level. Competitors include larger national and regional banks like JPMorgan Chase, Fifth Third, and Old National Bancorp.
  • Mortgages: Offer residential mortgage loans for home purchases and refinancing. Market share information not publicly available at granular level. Competitors include Rocket Mortgage, Wells Fargo, and local credit unions.
  • Wealth Management Services: Investment advisory and financial planning services for high-net-worth individuals and institutions. No specific market share numbers publicly available for this service alone. Competitors include Edward Jones, Raymond James and large Brokerage houses

Market Dynamics

industry overview logo Industry Overview

The banking industry is facing increasing competition, regulatory scrutiny, and pressure from fintech companies. Interest rate environments and economic conditions significantly impact profitability.

Positioning

First Financial Corporation Indiana is a regional bank focusing on serving the Midwestern market. Its competitive advantages include local market knowledge and strong customer relationships.

Total Addressable Market (TAM)

The TAM for banking services in the Midwest is estimated to be several billion dollars. First Financial occupies a small but relevant share of that TAM with potential for further expansion given local ties.

Upturn SWOT Analysis

Strengths

  • Strong local presence in Indiana and surrounding states
  • Diversified revenue streams
  • Experienced management team
  • Solid capital position

Weaknesses

  • Limited geographic reach compared to larger national banks
  • Higher operating expenses relative to larger institutions
  • Sensitivity to interest rate fluctuations
  • Dependence on regional economy

Opportunities

  • Expansion into new markets within the Midwest
  • Increased adoption of digital banking services
  • Acquisitions of smaller community banks
  • Growth in wealth management services

Threats

  • Increased competition from larger national banks and fintech companies
  • Economic downturn in the Midwest
  • Rising interest rates
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • HBNC
  • ONB
  • CMA

Competitive Landscape

First Financial competes with larger regional and national banks, as well as smaller community banks. Its strengths lie in its local market knowledge and strong customer relationships, where it can compete with larger institutions on service, but is still at a disadvantage relative to scale.

Major Acquisitions

Integra Bank Corporation

  • Year: 2015
  • Acquisition Price (USD millions): 85.4
  • Strategic Rationale: Expanded First Financial's presence in Southern Indiana and Kentucky.

Growth Trajectory and Initiatives

Historical Growth: The company has experienced steady growth over the past decade, driven by strategic acquisitions and organic expansion.

Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and increased adoption of digital banking services.

Recent Initiatives: Recent initiatives include expanding the digital banking platform, investing in new technologies, and pursuing strategic acquisitions.

Summary

First Financial Corporation Indiana is a regional bank with consistent revenue growth and solid financials. Its strengths are in its local market knowledge and customer relationships. The company needs to be mindful of competition and interest rate fluctuations to continue on its growth trajectory. Strategic expansion into new markets will also bolster growth and market share.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings (10-K, 10-Q), SEC filings, Investor presentations, Analyst reports, and company press releases

Disclaimers:

This analysis is based on publicly available information and is not financial advice. Market share data is estimated based on available information and may not be precise.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 937

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.