📊 THFF Key Takeaways
Is First Financial Corp. /In/ (THFF) a Good Investment?
Exceptional revenue growth of 39% YoY and net income growth of 67.5% demonstrate strong operational momentum, supported by excellent operating margins of 31.7% and robust free cash flow generation of 21.9M. However, the critically low ROE of 3.0% and tight interest coverage ratio of 1.2x raise material concerns about capital efficiency and financial leverage risk.
First Financial Corp. /In/ Key Strengths (THFF)
- Exceptional YoY growth in revenue (39%) and net income (67.5%) with EPS growth of 67%
- Strong operating margins (31.7%) and net margins (25.4%) demonstrate profitability
- Robust free cash flow generation of 21.9M with 28.1% FCF margin and minimal capex requirements
- Conservative leverage profile with Debt/Equity ratio of 0.32x
- Operating cash flow of 22.6M covers capital needs with substantial surplus
THFF Stock Risks: First Financial Corp. /In/ Investment Risks
- Critically low return on equity (3.0%) and ROA (0.3%) indicate severe capital inefficiency
- Tight interest coverage ratio of 1.2x leaves minimal cushion for operational disruptions
- High asset leverage ratio (~9.3x) concentrates systemic risk in single institution
- Asset quality deterioration could rapidly impair the tight interest coverage
- Growth trajectory sustainability dependent on favorable credit environment continuation
Key Metrics to Watch
- Interest coverage ratio progression - must improve above 2.5x for financial security
- Return on equity and return on assets - critical threshold is >8% ROE and >0.7% ROA
- Net interest margin trends and loan loss provisions
- Asset quality metrics and non-performing loan ratios
- Regulatory capital adequacy ratios and tangible book value per share
First Financial Corp. /In/ (THFF) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 28.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
THFF Profit Margin, ROE & Profitability Analysis
THFF vs Finance Sector: How First Financial Corp. /In/ Compares
How First Financial Corp. /In/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is First Financial Corp. /In/ Stock Overvalued? THFF Valuation Analysis 2026
Based on fundamental analysis, First Financial Corp. /In/ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
First Financial Corp. /In/ Balance Sheet: THFF Debt, Cash & Liquidity
THFF Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: First Financial Corp. /In/'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $5.08 reflects profitable operations.
THFF Revenue Growth, EPS Growth & YoY Performance
First Financial Corp. /In/ Dividends, Buybacks & Capital Allocation
THFF SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for First Financial Corp. /In/ (CIK: 0000714562)
📋 Recent SEC Filings
❓ Frequently Asked Questions about THFF
What is the AI rating for THFF?
First Financial Corp. /In/ (THFF) has an AI grade of A with 67% confidence, based on fundamental analysis of SEC EDGAR filings.
What are THFF's key strengths?
Claude: Exceptional YoY growth in revenue (39%) and net income (67.5%) with EPS growth of 67%. Strong operating margins (31.7%) and net margins (25.4%) demonstrate profitability.
What are the risks of investing in THFF?
Claude: Critically low return on equity (3.0%) and ROA (0.3%) indicate severe capital inefficiency. Tight interest coverage ratio of 1.2x leaves minimal cushion for operational disruptions.
What is THFF's revenue and growth?
First Financial Corp. /In/ reported revenue of $77.9M.
Does THFF pay dividends?
First Financial Corp. /In/ pays dividends, with $6.7M distributed to shareholders in the trailing twelve months.
Where can I find THFF SEC filings?
Official SEC filings for First Financial Corp. /In/ (CIK: 0000714562) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is THFF's EPS?
First Financial Corp. /In/ has a diluted EPS of $1.67.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is THFF's fundamental grade?
Based on our AI fundamental analysis in June 2026, First Financial Corp. /In/ has a A grade with 67% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is THFF stock overvalued or undervalued?
Valuation metrics for THFF: ROE of 3.0% (sector avg: 12%), net margin of 25.4% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is THFF's AI grade for 2026?
Our dual AI analysis gives First Financial Corp. /In/ a combined A grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is THFF's free cash flow?
First Financial Corp. /In/'s operating cash flow is $22.6M, with capital expenditures of $687.0K. FCF margin is 28.1%.
How does THFF compare to other Finance stocks?
Vs Finance sector averages: Net margin 25.4% (avg: 25%), ROE 3.0% (avg: 12%), current ratio N/A (avg: 1.2).