0.42%
4.33%
12.17%
7.18%
22.25%
7.35%
15.48%
AI Spotlight on THFF
Company Description
First Financial Corporation, through its subsidiaries, provides various financial services.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, and insurance services.The company operates 78 branches in west-central Indiana, east-central Illinois, western Kentucky, and middle and western Tennessee.First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.
Market Data
| Last Price | 48.19 |
| Change Percentage | 0.42% |
| Open | 47.85 |
| Previous Close | 47.99 |
| Market Cap ( Millions) | 569 |
| Volume | 42218 |
| Year High | 51.87 |
| Year Low | 34.58 |
| M A 50 | 47.73 |
| M A 200 | 42.52 |
Financial Ratios
| FCF Yield | 11.08% |
| Dividend Yield | 3.86% |
| ROE | 8.88% |
| Debt / Equity | 20.29% |
| Net Debt / EBIDTA | 124.62% |
| Price To Book | 1.01 |
| Price Earnings Ratio | 11.95 |
| Price To FCF | 9.03 |
| Price To sales | 2.38 |
| EV / EBITDA | 20.15 |
News
- Jan -10 - 9 Dividend Aristocrat Bargains To Buy With The Market Near Record Highs
- Dec -18 - First Financial Corporation Declares Quarterly Dividend
- Dec -13 - 10 High-Yield Dividend Aristocrats For Growth And Bargain Hunters
- Nov -14 - Is the Options Market Predicting a Spike in First Financial Corporation (THFF) Stock?
- Nov -01 - 'Elect' The Best: Top 7 Dividend Aristocrats For A 6% Yielding November
- Oct -22 - First Financial Corp. (THFF) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
- Oct -22 - First Financial Corp. (THFF) Lags Q3 Earnings Estimates
- Oct -22 - First Financial Corporation Reports Third Quarter Results
- Sep -28 - 14 Incredible High-Yield Dividend Aristocrat Bargain Buys For October
- Sep -21 - 11 Great Dividend Aristocrat Bargain Buys For The Market At Record Highs
- Sep -19 - First Financial Corporation Declares Quarterly Dividend
- Jul -23 - First Financial Corp. (THFF) Meets Q2 Earnings Estimates
- Jul -23 - First Financial Corporation Reports Second Quarter Results
- Jun -24 - First Financial Corporation Declares Quarterly Dividend
- Apr -30 - First Financial Corp. (THFF) Reports Q1 Earnings: What Key Metrics Have to Say
- Apr -30 - First Financial Corp. (THFF) Q1 Earnings and Revenues Miss Estimates
- Apr -30 - First Financial Corporation Reports First Quarter Results
- Mar -21 - Repsol SA (REPYY) Now Trades Above Golden Cross: Time to Buy?
- Mar -19 - First Financial Corporation Declares Quarterly Dividend
- Jan -30 - First Financial Corp. (THFF) Reports Q4 Earnings: What Key Metrics Have to Say
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking
Expected Growth : 11 %
What the company do ?
First Financial Corporation's banking segment provides a range of financial services, including consumer and commercial lending, deposit services, and wealth management.
Why we expect these perspectives ?
First Financial Corporation's 11% growth is driven by strategic expansion into new markets, increased adoption of digital banking services, and a strong focus on customer acquisition and retention. Additionally, the corporation's diversified revenue streams, including mortgage banking and wealth management, have contributed to its growth momentum.
First Financial Corporation Products
| Product Range | What is it ? |
|---|---|
| Commercial Loans | First Financial Corporation offers a range of commercial loans to support businesses of all sizes, including term loans, lines of credit, and construction loans. |
| Mortgage Loans | First Financial Corporation provides a variety of mortgage loan options, including fixed-rate and adjustable-rate loans, government-backed loans, and jumbo loans. |
| Consumer Loans | First Financial Corporation offers personal loans, auto loans, and recreational vehicle loans to help individuals achieve their personal financial goals. |
| Deposit Accounts | First Financial Corporation offers a range of deposit accounts, including checking and savings accounts, certificates of deposit, and individual retirement accounts. |
| Wealth Management | First Financial Corporation provides wealth management services, including investment advice, retirement planning, and estate planning. |
| Treasury Management | First Financial Corporation offers treasury management services, including cash management, fraud prevention, and account reconciliation. |
| Credit Cards | First Financial Corporation offers a range of credit card options, including rewards credit cards and low-interest credit cards. |
First Financial Corporation's Porter Forces
Threat Of Substitutes
The threat of substitutes for First Financial Corporation is medium, as there are some alternatives available for customers, but they are not very attractive.
Bargaining Power Of Customers
The bargaining power of customers for First Financial Corporation is low, as customers have limited options and the company has a strong brand presence.
Bargaining Power Of Suppliers
The bargaining power of suppliers for First Financial Corporation is medium, as the company relies on a few large suppliers, but has some negotiating power.
Threat Of New Entrants
The threat of new entrants for First Financial Corporation is low, as there are significant barriers to entry, including regulatory hurdles and high capital requirements.
Intensity Of Rivalry
The intensity of rivalry for First Financial Corporation is high, as the company operates in a highly competitive industry with many established players.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 24.98% |
| Debt Cost | 6.42% |
| Equity Weight | 75.02% |
| Equity Cost | 6.53% |
| WACC | 6.50% |
| Leverage | 33.30% |
First Financial Corporation : Quality Control
First Financial Corporation passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| IBCP | Independent Bank Corporation operates as the bank holding company for Independent Bank that provides various banking services to individuals and businesses. The company offers checking and savings accounts, commercial lending, … |
| PEBK | Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to … |
| ORRF | Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, … |
| OFG | OFG Bancorp, a financial holding company, provides a range of banking and financial services. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers checking and savings … |
| CHMG | Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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