📊 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.
Why Buy First Financial Corp. /In/ Stock? THFF Key Strengths
- 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 rating of BUY 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 rating reflects both perspectives for balanced insights.
Is THFF a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, First Financial Corp. /In/ has a BUY rating 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.
Should I buy THFF stock in 2026?
Our dual AI analysis gives First Financial Corp. /In/ a combined BUY rating 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).