First Financial Corporation Indiana (THFF) Stock Price, News & Analysis

Company Overview

First Financial Corporation Indiana is a bank holding company headquartered in Terre Haute, Indiana, that offers a full suite of financial services to individuals and businesses. Through its subsidiary, First Financial Bank, the company provides traditional banking products including checking and savings accounts, certificates of deposit, and cash management solutions. It also offers consumer and commercial lending services ranging from residential mortgages and home equity lines of credit to working capital loans and equipment financing.

The company’s service offerings extend beyond core banking to include wealth management and trust services, retirement planning, and brokerage solutions. Treasury management services cater to the cash‐flow and payment processing needs of small and mid‐sized enterprises, while merchant services enable businesses to accept credit, debit and contactless payments. Digital banking platforms and mobile applications provide customers with online account access, bill pay, mobile check deposit and other remote banking features.

First Financial Corporation Indiana serves communities across central and western Indiana, eastern Illinois and the Louisville metropolitan area in Kentucky. The company traces its roots to a 19th‐century bank charter in Terre Haute and has grown through a combination of organic expansion and strategic branch acquisitions. With a focus on community banking, the firm emphasizes local decision‐making, relationship management and involvement in regional economic development initiatives.

Key Stats

• Today's Range: $52.87 to $53.64
• 50-Day Range: $52.44 to $59.93
• 52-Week Range: $40.98 to $63.04
• Volume: 70,476 shs
• Average Volume: 59,849 shs
• Market Capitalization: $634.92 million
• P/E Ratio: 10.24
• Dividend Yield: 3.81%
• Price Target: $57.67
• Consensus Rating: Moderate Buy

First Financial Corporation Indiana Stock Analysis - MarketRank™

First Financial Corporation Indiana scored higher than 76% of companies evaluated by MarketBeat, and ranked 438th out of 928 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

First Financial Corporation Indiana has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for First Financial Corporation Indiana is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

First Financial Corporation Indiana has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.80%

Earnings Growth

Earnings for First Financial Corporation Indiana are expected to grow by 9.80% in the coming year, from $5.41 to $5.94 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Financial Corporation Indiana is 10.24, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.31.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Financial Corporation Indiana is 10.24, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.18.

Price to Book Value per Share Ratio

First Financial Corporation Indiana has a P/B Ratio of 1.15. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.29% of the float of First Financial Corporation Indiana has been sold short.

Short Interest Ratio / Days to Cover

First Financial Corporation Indiana has a short interest ratio ("days to cover") of 2.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Financial Corporation Indiana has recently decreased by 17.90%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

First Financial Corporation Indiana is a leading dividend payer. It pays a dividend yield of 3.80%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

First Financial Corporation Indiana has only been increasing its dividend for 2 years.

Dividend Coverage

The dividend payout ratio of First Financial Corporation Indiana is 39.01%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Financial Corporation Indiana will have a dividend payout ratio of 34.34% next year. This indicates that First Financial Corporation Indiana will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.29% of the float of First Financial Corporation Indiana has been sold short.

Short Interest Ratio / Days to Cover

First Financial Corporation Indiana has a short interest ratio ("days to cover") of 2.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Financial Corporation Indiana has recently decreased by 17.90%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.79

News Sentiment

First Financial Corporation Indiana has a news sentiment score of 0.79. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for First Financial Corporation Indiana this week, compared to 2 articles on an average week.

MarketBeat Follows

2 people have added First Financial Corporation Indiana to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Financial Corporation Indiana insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 3.69% of the stock of First Financial Corporation Indiana is held by insiders.

Percentage Held by Institutions

72.74% of the stock of First Financial Corporation Indiana is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

THFF Stock Analysis - Frequently Asked Questions

How have THFF shares performed this year?

First Financial Corporation Indiana's stock was trading at $46.19 on January 1st, 2025. Since then, THFF shares have increased by 16.0% and is now trading at $53.58.

How were First Financial Corporation Indiana's earnings last quarter?

First Financial Corporation Indiana (NASDAQ:THFF) issued its earnings results on Tuesday, July, 22nd. The bank reported $1.57 EPS for the quarter, beating analysts' consensus estimates of $1.43 by $0.14. The bank earned $63.05 million during the quarter, compared to analysts' expectations of $63.28 million. First Financial Corporation Indiana had a trailing twelve-month return on equity of 10.90% and a net margin of 18.44%.

Who are First Financial Corporation Indiana's major shareholders?

Top institutional shareholders of First Financial Corporation Indiana include First Financial Corp IN (5.22%), Voya Investment Management LLC (0.08%) and Perkins Coie Trust Co (0.05%). Insiders that own company stock include Tina Jane Maher, William Curtis Brighton, Paul Joseph Pierson II, Mark Allen Franklin, James O Mcdonald, William Randolph Krieble, Mark Jason Sr Blade Sr, Susan M Jensen and Michael A Carty.
View institutional ownership trends.

How do I buy shares of First Financial Corporation Indiana?

Shares of THFF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Financial Corporation Indiana own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Financial Corporation Indiana investors own include Medtronic (MDT), NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), JPMorgan Chase & Co. (JPM) and Tesla (TSLA).

Company Calendar

• Record date for 7/15 Dividend: 7/01/2025
• Ex-Dividend for 7/15 Dividend: 7/01/2025
• Dividend Payable: 7/15/2025
• Last Earnings: 7/22/2025
• Record date for 10/15 Dividend: 10/01/2025
• Ex-Dividend for 10/15 Dividend: 10/01/2025
• Today: 10/10/2025
• Dividend Payable: 10/15/2025
• Next Earnings (Estimated): 10/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:THFF
• CIK: 714562
• Web: www.first-online.com
• Phone: (812) 238-6000
• Fax: 812-235-0555
• Employees: 880
• Year Founded: 1834

Price Target and Rating

• Average Price Target for First Financial Corporation Indiana: $57.67
• High Price Target: $61.00
• Low Price Target: $54.00
• Potential Upside/Downside: +7.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.23
• Trailing P/E Ratio: 10.24
• Forward P/E Ratio: 9.90
• P/E Growth: N/A
• Net Income: $47.28 million
• Net Margins: 18.44%
• Pretax Margin: 22.92%
• Return on Equity: 10.90%
• Return on Assets: 1.12%

Debt

• Debt-to-Equity Ratio: 0.21
• Current Ratio: 0.83
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $307.51 million
• Price / Sales: 2.06
• Cash Flow: $5.22 per share
• Price / Cash Flow: 10.26
• Book Value: $46.50 per share
• Price / Book: 1.15

Miscellaneous

• Outstanding Shares: 11,850,000
• Free Float: 11,414,000
• Market Cap: $634.92 million
• Optionable: Optionable
• Beta: 0.43