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THFF 
First Financial Corporation Indiana (THFF)
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Upturn Advisory Summary
11/05/2025: THFF (1-star) is currently NOT-A-BUY. Pass it for now.
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 $62
1 Year Target Price $62
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.98% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 659.13M USD | Price to earnings Ratio 8.91 | 1Y Target Price 62 |
Price to earnings Ratio 8.91 | 1Y Target Price 62 | ||
Volume (30-day avg) 3 | Beta 0.44 | 52 Weeks Range 41.28 - 62.47 | Updated Date 11/6/2025 |
52 Weeks Range 41.28 - 62.47 | Updated Date 11/6/2025 | ||
Dividends yield (FY) 3.80% | Basic EPS (TTM) 6.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-21 | When After Market | Estimate 1.58 | Actual 1.75 |
Profitability
Profit Margin 30.86% | Operating Margin (TTM) 41.45% |
Management Effectiveness
Return on Assets (TTM) 1.33% | Return on Equity (TTM) 12.46% |
Valuation
Trailing PE 8.91 | Forward PE 8.94 | Enterprise Value 924512896 | Price to Sales(TTM) 2.75 |
Enterprise Value 924512896 | Price to Sales(TTM) 2.75 | ||
Enterprise Value to Revenue 3.13 | Enterprise Value to EBITDA - | Shares Outstanding 11850645 | Shares Floating 11241522 |
Shares Outstanding 11850645 | Shares Floating 11241522 | ||
Percent Insiders 5.03 | Percent Institutions 81.97 |
Upturn AI SWOT
First Financial Corporation Indiana
Company Overview
History and Background
First Financial Corporation Indiana was founded in 1834 as a community bank. Throughout its history, it has grown through strategic acquisitions and organic expansion, becoming a diversified financial services provider.
Core Business Areas
- Commercial Banking: Provides a range of banking services to businesses, including commercial loans, deposit accounts, and cash management services.
- Retail Banking: Offers banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
- Insurance: Provides insurance services for the region
Leadership and Structure
The company is led by a board of directors and a management team. Norman L. Lowery is the Chairman, and Archie M. Brown is the President and CEO. The organizational structure includes various departments responsible for different business functions, such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, such as expansion, working capital, and equipment financing. Market share data is not publicly available. Competitors include larger national banks like JPMorgan Chase and regional banks like Old National Bancorp.
- Residential Mortgages: Loans provided to individuals for purchasing homes. Market share data is not publicly available at a granular level. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Wealth Management Services: Includes investment management, financial planning, and trust services. Market share data is unavailable. Competitors include larger firms like Edward Jones and Raymond James.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, technological disruption, and regulatory changes. Competition is intense, with both large national banks and smaller community banks vying for market share.
Positioning
First Financial Corporation Indiana is positioned as a community-focused bank that offers a range of financial services. Its competitive advantages include its strong local presence, customer relationships, and understanding of the local market.
Total Addressable Market (TAM)
The TAM for banking services in Indiana is estimated to be in the billions of dollars. First Financial Corporation Indiana is positioned to capture a portion of this TAM through its branch network, online banking platform, and various financial products and services.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Diversified product offerings
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking channels
- Lower brand awareness compared to national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for wealth management services
- Strategic acquisitions
Threats
- Increasing competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- KEY
- HBAN
- BOH
Competitive Landscape
First Financial Corporation Indiana faces competition from larger national banks and smaller community banks. Its advantages include its strong local presence, customer relationships, and understanding of the local market. Its disadvantages include its limited geographic reach and lower brand awareness.
Major Acquisitions
MainSource Financial Group
- Year: 2018
- Acquisition Price (USD millions): 480
- Strategic Rationale: Expanded market presence and increased scale.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion, increased adoption of digital banking, and growing demand for wealth management services. Specific analyst estimates are needed.
Recent Initiatives: Recent initiatives include investments in technology, expansion of the branch network, and development of new products and services.
Summary
First Financial Corporation Indiana is a solid community bank with strong local ties and a diversified product offering. It faces increasing competition from larger banks and fintech companies, but its focus on customer relationships and understanding of the local market provide a competitive advantage. Future growth will depend on its ability to adapt to technological changes and expand into new markets. The acquisitions have helped bolster growth and expand its footprint.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Market research reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Financial data may be outdated. Consult with a qualified financial advisor before making any 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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