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    First Financial (THFF)

    Market Price (11/6/2026): $76.54 | Market Cap: $910.2 MilSector: Financials | Industry: Regional Banks

    First Financial (THFF)

    Market Price (11/6/2026): $76.54
    Market Cap: $910.2 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.6%, FCF Yield is 11%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -52%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 36%

    Low stock price volatility
    Vol 12M is 24%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.

    Key risks
    THFF key risks include [1] potential net interest margin compression due to its liability-sensitive balance sheet and [2] sluggish long-term organic growth prospects constrained by its limited geographic scope.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.6%, FCF Yield is 11%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -52%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 36%
    3 Low stock price volatility
    Vol 12M is 24%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.
    5 Key risks
    THFF key risks include [1] potential net interest margin compression due to its liability-sensitive balance sheet and [2] sluggish long-term organic growth prospects constrained by its limited geographic scope.

    THFF in ETFs

    Weight = THFF's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.03%
    SCHD0.02%
    KRE0.27%
    AVUV0.09%
    IWN0.06%
    VTWO0.03%
    +5 more covered ETFs

    Valuation & Metrics

    FYE: 12/31THFF [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$285.5 Mil—
    FY 2026 Sales$295.7 Mil—
    FY 2027 Sales$344.7 Mil—
    FY 2026 Sales Growth3.6%—
    FY 2027 Sales Growth16.6%8.7%
    EARNINGS
    LTM Net Income (GAAP) [3]$91.4 Mil—
    FY 2026 Net Income (Non-GAAP)$93.9 Mil—
    FY 2027 Net Income (Non-GAAP)$98.7 Mil—
    FY 2027 Net Income Growth5.1%13.9%
    FY 2026 EPS (Non-GAAP)$7.98—
    FY 2027 EPS (Non-GAAP)$8.33—
    FY 2027 EPS Growth4.4%—
    VALUATION
    FY 2026 P/S3.11.7
    FY 2027 P/S2.6—
    FY 2026 P/E9.78.7
    FY 2027 P/E9.2—

    [1] THFF forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 11/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    THFFS&P 500
    REVENUE GROWTHGOOD
    Rev LTM ($ Bil)0.3
    Rev Chg Q14.0%8.9%
    Rev Chg LTM12.8%8.6%
    Rev Chg 3Y Avg10.7%6.3%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.1
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM37.3%21.5%
    Net Inc Mgn32.0%13.5%
    VALUATIONLOW
    P/S3.23.3
    P/CFO8.515.7
    P/FCF8.920.6
    P/E10.022.9

    AI Analysis | Feedback

    MetricValueDateSource
    Net Interest Margin3.94%12312024Link
    Efficiency Ratio62.98%12312024Link
    Ratio of nonperforming loans to total loans and leases0.35%12312024Link
    Book Value per share$46.3612312024Link
    Number of banking centers7911062025Link

    Price Chart

    Upcoming
    2/02/2027Earnings ReleaseRev: $76 Mil (E)
    EPS: $2.02 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 11/1/2026

    First Financial (THFF) stock has lost about 5% since 7/31/2026 because of the following key factors:

    1. Strong Fiscal Q3 2026 Earnings Beat Offset by Rising Nonperforming Loans.

    First Financial (THFF) reported robust earnings for its fiscal Q3 2026, which ended September 30, 2026, with diluted earnings per share (EPS) of $2.31, significantly surpassing analyst consensus estimates of $2.00 to $2.03. Net income for the quarter reached $27.4 million, a notable increase from $20.8 million in the same period last year. The company also achieved a record net interest income of $63.5 million, up 16.3% year-over-year, and expanded its net interest margin to 4.51%. However, these positive results were somewhat tempered by an increase in nonperforming loans, which rose to $21.1 million as of September 30, 2026, compared to $19.3 million a year prior, indicating some asset quality challenges.

    2. Strategic Acquisition Activity with Future Integration Dynamics.

    The company continued its strategic expansion, announcing a merger agreement to acquire First Illinois Corporation on August 26, 2026, a deal expected to close in early 2027 that will extend its market presence into Illinois. This follows the completion of its CedarStone Financial acquisition in March 2026. While these acquisitions signal growth potential and broader market reach, they also introduce considerations regarding integration costs and execution risks, which can lead investors to adopt a cautious "wait-and-see" approach, contributing to a stable stock price rather than a sharp upward movement.

    Show more
    Updated on 11/1/2026

    First Financial (THFF) stock has lost about 5% since 7/31/2026 because of the following key factors:

    1. Strong Fiscal Q3 2026 Earnings Beat Offset by Rising Nonperforming Loans.

    First Financial (THFF) reported robust earnings for its fiscal Q3 2026, which ended September 30, 2026, with diluted earnings per share (EPS) of $2.31, significantly surpassing analyst consensus estimates of $2.00 to $2.03. Net income for the quarter reached $27.4 million, a notable increase from $20.8 million in the same period last year. The company also achieved a record net interest income of $63.5 million, up 16.3% year-over-year, and expanded its net interest margin to 4.51%. However, these positive results were somewhat tempered by an increase in nonperforming loans, which rose to $21.1 million as of September 30, 2026, compared to $19.3 million a year prior, indicating some asset quality challenges.

    2. Strategic Acquisition Activity with Future Integration Dynamics.

    The company continued its strategic expansion, announcing a merger agreement to acquire First Illinois Corporation on August 26, 2026, a deal expected to close in early 2027 that will extend its market presence into Illinois. This follows the completion of its CedarStone Financial acquisition in March 2026. While these acquisitions signal growth potential and broader market reach, they also introduce considerations regarding integration costs and execution risks, which can lead investors to adopt a cautious "wait-and-see" approach, contributing to a stable stock price rather than a sharp upward movement.

    3. Mixed Macroeconomic Headwinds and Tailwinds for the Regional Banking Sector.

    The broader regional banking sector experienced both positive and negative macroeconomic forces during the period. Higher interest rates served as a tailwind, generally benefiting regional bank portfolios by widening net interest margins. However, the sector also faced headwinds, including rising bond yields and persistent Federal Reserve rate hike expectations following hotter-than-expected inflation data. Some analysts indicated that regional bank stocks might struggle amid these macro pressures, creating a balanced sentiment that limited significant directional moves for THFF despite its strong individual performance.

    4. Analyst Consensus Reflects "Moderate Buy" with Limited Immediate Upside.

    As of late October 2026, analysts maintained a consensus "Moderate Buy" rating for THFF, with an average price target of $87.25. Individual price targets ranged from $83.00 to $90.00. While these targets suggest potential upside from the stock's trading levels (around $76.55 on October 30, 2026), they indicate a belief in gradual appreciation rather than an explosive surge. This analyst outlook, combined with the stock reaching an all-time high of $84.17 on August 16, 2026, followed by a slight pullback and subsequent consolidation, suggests that much of the immediate positive news may have already been priced in.

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    Stock Movement Drivers

    Fundamental Drivers

    The -4.2% change in THFF stock from 7/31/2026 to 11/5/2026 was primarily driven by a -15.5% change in the company's P/E Multiple.
    (LTM values as of)731202611052026Change
    Stock Price ($)79.9476.59-4.2%
    Change Contribution By: 
    Total Revenues ($ Mil)2682866.7%
    Net Income Margin (%)30.1%32.0%6.3%
    P/E Multiple11.810.0-15.5%
    Shares Outstanding (Mil)1212-0.1%
    Cumulative Contribution-4.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2026 to 11/5/2026
    ReturnCorrelation
    THFF-4.2% 
    Market (SPY)-1.9%33.6%
    Sector (XLF)1.0%58.9%

    Fundamental Drivers

    The 18.4% change in THFF stock from 4/30/2026 to 11/5/2026 was primarily driven by a 9.0% change in the company's Total Revenues ($ Mil).
    (LTM values as of)430202611052026Change
    Stock Price ($)64.7076.5918.4%
    Change Contribution By: 
    Total Revenues ($ Mil)2622869.0%
    Net Income Margin (%)30.3%32.0%5.9%
    P/E Multiple9.710.02.8%
    Shares Outstanding (Mil)1212-0.2%
    Cumulative Contribution18.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 11/5/2026
    ReturnCorrelation
    THFF18.4% 
    Market (SPY)2.3%19.8%
    Sector (XLF)10.7%54.6%

    Fundamental Drivers

    The 48.5% change in THFF stock from 10/31/2025 to 11/5/2026 was primarily driven by a 27.0% change in the company's Net Income Margin (%).
    (LTM values as of)1031202511052026Change
    Stock Price ($)51.5976.5948.5%
    Change Contribution By: 
    Total Revenues ($ Mil)24628616.2%
    Net Income Margin (%)25.2%32.0%27.0%
    P/E Multiple9.910.01.0%
    Shares Outstanding (Mil)1212-0.3%
    Cumulative Contribution48.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2025 to 11/5/2026
    ReturnCorrelation
    THFF48.5% 
    Market (SPY)8.4%28.2%
    Sector (XLF)11.1%51.9%

    Fundamental Drivers

    The 150.4% change in THFF stock from 10/31/2023 to 11/5/2026 was primarily driven by a 80.3% change in the company's P/E Multiple.
    (LTM values as of)1031202311052026Change
    Stock Price ($)30.5876.59150.4%
    Change Contribution By: 
    Total Revenues ($ Mil)21628632.3%
    Net Income Margin (%)30.8%32.0%3.9%
    P/E Multiple5.510.080.3%
    Shares Outstanding (Mil)12121.1%
    Cumulative Contribution150.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2023 to 11/5/2026
    ReturnCorrelation
    THFF150.4% 
    Market (SPY)81.3%42.8%
    Sector (XLF)85.5%62.6%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    THFF Return19%4%-3%11%36%31%141%
    Peers Return21%-38%-12%-30%-16%-12%-66%
    S&P 500 Return27%-19%24%23%16%12%105%

    Monthly Win Rates [3]
    THFF Win Rate75%50%42%33%67%64% 
    Peers Win Rate60%50%50%33%56%59% 
    S&P 500 Win Rate75%42%67%75%67%45% 

    Max Drawdowns [4]
    THFF Max Drawdown-16%-11%-31%-18%-19%-11% 
    Peers Max Drawdown-24%-46%-55%-43%-43%-46% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: NEWT, ATLO, GBC, NARA, SHFS.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 11/5/2026 (YTD)

    How Low Can It Go

    EventTHFFS&P 500
    2025 US Tariff Shock
      % Loss-16.4%-18.8%
      % Gain to Breakeven19.7%23.1%
      Time to Breakeven27 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-14.5%-9.5%
      % Gain to Breakeven16.9%10.5%
      Time to Breakeven25 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-28.8%-6.7%
      % Gain to Breakeven40.5%7.1%
      Time to Breakeven232 days31 days
    2020 COVID-19 Crash
      % Loss-32.9%-33.7%
      % Gain to Breakeven48.9%50.9%
      Time to Breakeven322 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-23.4%-19.2%
      % Gain to Breakeven30.5%23.8%
      Time to Breakeven1134 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-20.7%-17.9%
      % Gain to Breakeven26.1%21.8%
      Time to Breakeven25 days123 days

    Compare to NEWT, ATLO, CLBK, GCBC, MBBC

    In The Past

    First Financial's stock fell -16.4% during the 2025 US Tariff Shock. Such a loss loss requires a 19.7% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventTHFFS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-28.8%-6.7%
      % Gain to Breakeven40.5%7.1%
      Time to Breakeven232 days31 days
    2020 COVID-19 Crash
      % Loss-32.9%-33.7%
      % Gain to Breakeven48.9%50.9%
      Time to Breakeven322 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-23.4%-19.2%
      % Gain to Breakeven30.5%23.8%
      Time to Breakeven1134 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-20.7%-17.9%
      % Gain to Breakeven26.1%21.8%
      Time to Breakeven25 days123 days
    2008-2009 Global Financial Crisis
      % Loss-20.7%-53.4%
      % Gain to Breakeven26.0%114.4%
      Time to Breakeven14 days1085 days

    Compare to NEWT, ATLO, CLBK, GCBC, MBBC

    In The Past

    First Financial's stock fell -16.4% during the 2025 US Tariff Shock. Such a loss loss requires a 19.7% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About First Financial (THFF)

    First Financial Corporation (THFF) is a regional financial services company that operates primarily as a bank holding company. Through its subsidiaries, it engages in traditional banking activities, serving both individual and business customers within its defined geographical footprint. Founded in 1834, the company is headquartered in Terre Haute, Indiana.

    The company's main products and services center around deposit-taking and lending. First Financial gathers funds through a variety of deposit accounts, including non-interest-bearing demand, interest-bearing demand, savings, and time deposits. On the lending side, it provides a comprehensive range of loans such as commercial loans for business expansion and asset purchases, residential real estate and construction loans, home equity loans and lines, as well as secured and unsecured personal loans. Additionally, it offers lease financing, trust account management, and insurance services.

    First Financial Corporation's primary market is regional, served by its network of 78 branches. These branches are strategically located across west-central Indiana, east-central Illinois, western Kentucky, and middle and western Tennessee. This focused geographical presence enables the company to meet the diverse financial needs of the communities and businesses situated within these specific areas.

    AI Analysis | Feedback

    Here are 1-3 brief analogies for First Financial (THFF):

    • It's like a regional **Bank of America**, concentrated in parts of Indiana, Illinois, Kentucky, and Tennessee.

    • Think of it as the **U.S. Bank** for a four-state region, offering traditional banking and financial services.

    AI Analysis | Feedback

    ```html
    • Deposits: The company offers various types of deposit accounts, including demand, savings, and time deposits.
    • Commercial Loans: It provides loans primarily to businesses for expansion or asset financing.
    • Residential Real Estate Loans: These loans include financing for residential real estate purchases and construction.
    • Home Equity and Other Loans: The company offers home equity loans and lines, as well as secured and unsecured personal loans.
    • Lease Financing: This service provides financing for leases.
    • Trust Services: The company manages trust accounts for its clients.
    • Insurance Services: It offers various insurance-related services.
    ```

    AI Analysis | Feedback

    First Financial Corporation (THFF), as a regional bank holding company, serves a diverse customer base rather than having a few "major customers" in the traditional sense of other public companies. Its services cater to both individuals and businesses within its operating regions. Therefore, its customers can be categorized as follows:

    1. Individual Consumers: This category includes individuals utilizing the bank's services for personal financial needs. This encompasses checking and savings accounts, certificates of deposit (CDs), residential real estate loans (mortgages), home equity loans and lines of credit, and secured or unsecured personal loans.

    2. Commercial Clients (Small to Medium-sized Businesses): First Financial provides services to local and regional businesses. These customers primarily utilize commercial loans for business expansion, asset purchases, and operational financing. They also use business checking and savings accounts, and potentially lease financing and other treasury management services.

    3. Real Estate Developers and Investors: This category includes individuals or entities involved in real estate development and investment. They are served through residential real estate construction loans and potentially other real estate-related financing options.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    Norman D. Lowery President and Chief Executive Officer

    Mr. Norman D. Lowery became President and Chief Executive Officer of First Financial Corporation and First Financial Bank, N.A. on January 1, 2024. He joined the company in 1990 and previously served as Chief Operating Officer from 2010 to 2022. His career at First Financial has included management positions in Private Banking and as a Trust Investment Officer. Mr. Lowery holds a B.A. from Indiana University and an MBA from Indiana Wesleyan University, and is an accredited Fiduciary Investment Manager and a graduate of the ABA Stonier Graduate School of Banking. He has experience across acquisitions, enterprise risk, and strategic planning, and under his leadership, THFF completed the SimplyBank acquisition in 2024.

    Rodger A. McHargue Chief Financial Officer

    Mr. Rodger A. McHargue has served as Chief Financial Officer of First Financial Corporation and First Financial Bank, N.A., and also as Secretary and Treasurer of the Corporation, since 2010. He joined the Corporation in 1994. Mr. McHargue received a B.S. degree in Economics and Finance and a Master of Business Administration degree from Indiana State University.

    Stephen P. Panagouleas Senior Vice President, Chief Credit Officer

    Mr. Stephen P. Panagouleas was appointed Senior Vice President, Chief Credit Officer of First Financial Corporation and its subsidiary, First Financial Bank N.A., effective July 1, 2024. He joined the Bank in 2013 as Chief Credit Administrator. Prior to joining First Financial, Mr. Panagouleas was a Senior Vice President and Commercial Lending Executive at Old National Bancorp from 2007 to 2013. He holds a B.S. degree in Business from Indiana State University, an MBA from Butler University, a Credit Risk Certification, and is a graduate of the Butler University Executive Leadership Academy.

    Mark A. Franklin Senior Vice President and Chief Lending Officer

    Mr. Mark A. Franklin has been the Senior Vice President and Chief Lending Officer of First Financial Corporation and First Financial Bank, N.A., since February 2022.

    Norman L. Lowery Chairman of the Board

    Mr. Norman L. Lowery has served as the Non-Executive Chairman of First Financial Corporation since January 1, 2025. He previously served as Executive Chairman from January 1 to December 31, 2024, and as CEO from 2004 to 2023, and President from 2013 to 2023. He joined the Board in 1989. Before joining the Corporation, Mr. Lowery was a partner in the law firm of Wright, Shagley & Lowery, P.C. He also served on Indiana State University's Board of Trustees and Foundation Board. Mr. Lowery is the father of the current CEO, Norman D. Lowery.

    AI Analysis | Feedback

    First Financial Corporation (THFF) faces several key risks inherent to the banking industry, with some specific considerations given its regional focus. The most significant risks include:
    1. Interest Rate Risk and Economic Cycles: As a financial institution, First Financial Corporation is highly susceptible to fluctuations in interest rates and broader economic cycles. Shifts in interest rate policy, such as rising or falling rates, can directly impact the bank's net interest margin—the difference between the interest earned on assets (like loans) and the interest paid on liabilities (like deposits). For instance, falling interest rates can significantly compress net interest margins. Furthermore, general economic downturns, inflation, and liquidity pressures can affect borrower's ability to repay loans and deposit stability, impacting the bank's financial performance.
    2. Credit Risk, Especially in Commercial and Commercial Real Estate Loans: A substantial portion of First Financial Corporation's loan portfolio, approximately 58.6%, is concentrated in commercial and commercial real estate loans. This concentration heightens the company's exposure to credit risk, particularly during economic downturns or adverse conditions in the commercial real estate market. Instability in these sectors can lead to increased loan default rates and higher provisions for credit losses, directly affecting profitability.
    3. Operational and Technology Risks, including Cybersecurity and Fintech Competition: First Financial Corporation, like other financial institutions, faces evolving operational and technology risks. These include the constant threat of cybersecurity breaches, the increasing reliance on third-party vendors for technology services, and the challenges and opportunities presented by rapid advancements in financial technology (fintech) and artificial intelligence (AI). Cybersecurity is a dominant concern for bank leaders, with sophisticated attacks targeting financial infrastructure. The emergence of new technologies also brings regulatory and compliance challenges, and competition from fintechs, cryptocurrencies, and stablecoins can disrupt traditional banking models.

    AI Analysis | Feedback

    The rise of digital-only banks and fintech companies poses a clear emerging threat to First Financial Corporation. These entities, operating entirely online or through mobile applications, offer banking services such as deposits, loans, and payments often with lower fees, higher interest rates, and more streamlined user experiences. This model directly challenges First Financial's traditional branch-based banking operations across its 78 locations by attracting customers, particularly digitally native generations, who prioritize convenience, technology, and competitive pricing over physical branch presence. This shift in consumer preference and the lower operational costs of digital competitors threaten to erode First Financial's customer base and market share in its service regions.

    AI Analysis | Feedback

    First Financial Corporation (THFF) operates in west-central Indiana, east-central Illinois, western Kentucky, and middle and western Tennessee. Identifying the precise addressable market size for each of its main products and services within these highly specific sub-regions is challenging due to the granular nature of the request. However, state-level market data for commercial banking, which encompasses deposits and various loan types, and broader regional data for other services, can provide an estimate of their addressable markets.

    For their main products and services, the estimated addressable markets are as follows:

    • Commercial Banking (Deposits and Loans): This category generally includes commercial loans, residential real estate and construction loans, home equity loans and lines, secured and unsecured loans, and various types of deposits. Given the difficulty in obtaining market sizes for highly specific sub-regions (e.g., "west-central Indiana" or "east-central Illinois"), state-level commercial banking market sizes are provided below.
      • Tennessee: The market size of the Commercial Banking industry in Tennessee is projected to be approximately $23.0 billion in 2026. This market includes commercial, industrial, and consumer loans, as well as deposits.
      • Kentucky: The market size of the Commercial Banking industry in Kentucky is projected to be approximately $13.3 billion in 2026. This includes receiving deposits and issuing consumer, commercial, and industrial loans.
      • Indiana: The Commercial Banking industry in Indiana has been growing at an average annual rate of 6.1% from 2020 to 2025. (Specific dollar value for 2026 not publicly available without purchasing full report.)
      • Illinois: The Commercial Banking industry in Illinois has been growing at an average annual rate of 7.0% from 2020 to 2025. (Specific dollar value for 2026 not publicly available without purchasing full report.)
      • For broader context, the US commercial banking market size is estimated at USD 765.53 billion in 2026.
    • Lease Financing: The global financial leasing services market was valued at $214.9 billion in 2022 and is projected to reach $624.3 billion by 2032, growing at a CAGR of 11.5% from 2023 to 2032. North America accounted for the largest revenue share of over 30.0% in the global finance lease market in 2021. The global finance lease market size is projected to reach $324.40 billion by 2030.
    • Trust Account Services: The global trust and corporate service market size is expected to grow from $14.33 billion in 2025 to $15.05 billion in 2026. North America was the largest region in the trust and corporate service market in 2025. Another estimate places the global market value at approximately USD 150 billion by 2026. The global Commercial Trust Service Market size was estimated at USD 2.25 billion in 2025 and is expected to reach USD 2.39 billion in 2026.
    • Insurance Services: Null. Specific regional market sizes for insurance services offered by a bank subsidiary within the specified sub-regions or states were not found.

    AI Analysis | Feedback

    The expected drivers of future revenue growth for First Financial Corporation (THFF) over the next 2-3 years include:
    • Sustained Loan Portfolio Expansion: First Financial Corporation has consistently demonstrated strong loan growth, with total loans outstanding reaching $4.06 billion as of December 31, 2025, representing a 5.69% increase from the prior year. The company has achieved nine consecutive quarters of loan growth, indicating a continued upward trend in its lending business.
    • Strategic Acquisitions and Market Expansion: The company is actively pursuing strategic acquisitions to expand its market presence and service offerings. Recent initiatives include the $25 million cash acquisition of CedarStone and a definitive merger agreement to integrate CedarStone Bank into First Financial Bank N.A. Prior acquisitions, such as SimplyBank and Agile Premium Finance in 2024, have contributed to loan growth and broadened the customer base.
    • Net Interest Margin (NIM) Optimization: First Financial has experienced a surge in its net interest margin, reaching 4.66%, which has driven record net interest income. The net interest income for Q4 2025 was a record $60.6 million, an increase of 22.2% from the same period in 2024, indicating robust growth in interest income due to efficient balance sheet management and higher average yields.
    • Growth in Fee-Based Services, particularly Wealth Management and Trust Services: Fee-based services, especially wealth management and trust services, are a crucial and growing component of the company's business model. This segment generates non-interest income, which provides diversification and is less susceptible to interest rate fluctuations than traditional lending. In 2023, trust and wealth management fees were the largest single component of non-interest income, reflecting the growing wealth management market.
    • Digital Advancements and Customer Acquisition: First Financial is committed to enhancing its digital banking platforms to meet contemporary customer needs and maintain a competitive edge. These digital advancements support customer acquisition strategies, as demonstrated by the integration of acquired customers onto improved digital platforms.

    AI Analysis | Feedback

    Here's a summary of First Financial Corporation's (THFF) capital allocation decisions over the last 3-5 years:

    Outbound Investments

    • First Financial Corporation completed the acquisition of SimplyBank, a Tennessee-chartered commercial bank, for approximately $73.4 million in July 2024, expanding its regional footprint into Tennessee.
    • In August 2021, the company announced a merger with Hancock Bank & Trust Co. from Kentucky, a deal valued at over $31 million, which was expected to extend First Financial's reach into western Kentucky.
    • Effective March 1, 2026, First Financial Corporation completed the acquisition of Cedarstone Financial Inc. for $25 million, as noted in its 2025 10-K filing as a subsequent event.

    Peer Outperformance in Regional Banks

    THFF has outperformed 85% of its 262 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that THFF has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    75%
    of 281 industry peers · 42.3% return
    3Y
    89%
    of 273 industry peers · 141.4% return
    5Y
    85%
    of 262 industry peers · 102.2% return
    No Regional Banks peer with a comparable growth profile has beaten THFF by more than 20pp over 5Y.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is THFF's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
    Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
    Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
    Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
    Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
    Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
    Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
    Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
    Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
    Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
    Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
    Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
    Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
    Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
    Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
    Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
    Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
    Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

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    Peers to compare with:

    Financials

    THFFNEWTATLOGBCNARASHFSMedian
    NameFirst Fi.NewtekOneAmes Nat.Georgia .Narragan.SHF  
    Mkt Price76.5410.6034.0033.7710.860.0422.32
    Mkt Cap0.90.30.3---0.3
    Rev LTM28627773-130-203
    Op Inc LTM-------
    FCF LTM102-74021-7-14
    FCF 3Y Avg78-37317---17
    CFO LTM106-73922-11-17
    CFO 3Y Avg82-37319---19

    Growth & Margins

    THFFNEWTATLOGBCNARASHFSMedian
    NameFirst Fi.NewtekOneAmes Nat.Georgia .Narragan.SHF  
    Rev Chg LTM12.8%7.8%21.3%---12.8%
    Rev Chg 3Y Avg10.7%26.8%8.1%---10.7%
    Rev Chg Q14.0%7.0%18.5%---14.0%
    QoQ Delta Rev Chg LTM3.3%1.7%4.3%---3.3%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM37.3%-267.4%30.3%-8.5%-19.4%
    CFO/Rev 3Y Avg32.9%-138.6%30.2%---30.2%
    FCF/Rev LTM35.8%-267.5%28.9%-5.5%-17.2%
    FCF/Rev 3Y Avg30.9%-138.7%27.9%---27.9%

    Valuation

    THFFNEWTATLOGBCNARASHFSMedian
    NameFirst Fi.NewtekOneAmes Nat.Georgia .Narragan.SHF  
    Mkt Cap0.90.30.3---0.3
    P/S3.21.14.2---3.2
    P/Op Inc-------
    P/EBIT-------
    P/E10.04.613.1---10.0
    P/CFO8.5-0.413.7---8.5
    Total Yield12.9%31.6%10.2%---12.9%
    Dividend Yield2.9%10.0%2.6%---2.9%
    FCF Yield 3Y Avg11.2%-103.1%8.5%---8.5%
    D/E0.31.80.1---0.3
    Net D/E-0.50.6-1.6----0.5

    Returns

    THFFNEWTATLOGBCNARASHFSMedian
    NameFirst Fi.NewtekOneAmes Nat.Georgia .Narragan.SHF  
    1M Rtn2.9%-5.3%5.4%-11.8%0.6%-94.8%-2.4%
    3M Rtn-6.5%-27.9%9.0%-11.8%0.6%-98.3%-9.1%
    6M Rtn14.8%-20.1%20.8%-11.8%0.6%-99.3%-5.6%
    12M Rtn42.2%7.5%64.7%-11.8%0.6%-99.9%4.0%
    3Y Rtn141.2%-15.6%114.9%-11.8%0.6%-100.0%-5.6%
    1M Excs Rtn5.7%-1.7%8.1%-10.3%2.0%-92.1%0.2%
    3M Excs Rtn-4.5%-19.4%10.5%-10.9%1.4%-97.0%-7.7%
    6M Excs Rtn10.0%-24.8%16.0%-16.6%-4.2%-105.9%-10.4%
    12M Excs Rtn33.8%-5.9%55.1%-25.3%-13.0%-118.5%-9.4%
    3Y Excs Rtn67.0%-90.5%42.6%-95.2%-82.7%-214.6%-86.6%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q4
    Period End9/30/20266/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/2023
    Filing Date11/4/20268/6/20265/6/20263/4/202611/5/20258/7/20255/7/20253/5/202511/6/20248/7/20245/8/20243/11/2024
    Key Financials Quarterly            
    Total Revenue757268716663626258494851
    Net Income27232021211918169111112
    EPS2.311.911.671.811.751.571.551.370.740.960.931.06
    Key Financials TTM            
    Total Revenue TTM286276268262253246232218207201205210
    Net Income TTM918581797462554743515661
    Growth Rates Quarterly            
    Total Revenue Growth14.0%14.0%9.1%14.1%12.6%28.2%29.2%21.6%10.6%-6.5%-10.0%-6.2%
    Net Income Growth32.2%22.4%7.6%32.1%137.5%63.5%68.5%30.8%-46.3%-28.9%-31.6%-24.8%
    Margins Quarterly            
    Net Income Margin36.6%31.6%29.1%30.4%31.6%29.5%29.5%26.3%15.0%23.1%22.6%24.4%
    Cash & Debt            
    Total Cash7377777958258018111,2691,2901,3491,2811,2881,336
    Total Debt262291209188170123125283010959109
    Net Debt / (Cash)-475-485-586-637-630-688-1,144-1,261-1,319-1,172-1,229-1,227
    Cash Flows Quarterly            
    FCF from Operations36182330271321162391220
    Cash Flows TTM            
    FCF from Operations TTM1069792907673696064707586
    Returns to Shareholders Quarterly            
    Dividends777666655550
    Share Repurchases-0-00-0-0-01-0-0-00-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Banking262218210212185
    Total262218210212185


    Price Behavior

    Price Behavior
    Market Price$76.59 
    Market Cap ($ Bil)0.9 
    First Trading Date03/03/1992 
    Distance from 52W High-6.8% 
       50 Days200 Days
    DMA Price$75.89$70.70
    DMA Trenddownup
    Distance from DMA0.9%8.3%
     3M1YR
    Volatility18.3%23.9%
    Downside Capture16.2232.76
    Upside Capture4.2477.57
    Correlation (S&P 500)10.6%25.4%
    THFF Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta-0.050.160.230.170.460.80
    Up Beta-1.11-0.840.51-0.060.430.76
    Down Beta0.220.110.02-0.120.180.76
    Up Capture28%27%9%46%67%80%
    Bmk +ve Days12182862130427
    Stock +ve Days11193066132383
    Down Capture-40%38%39%14%43%91%
    Bmk -ve Days10253664121325
    Stock -ve Days11243459116365

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with THFF
    THFF47.6%23.9%1.56-
    Sector ETF (XLF)11.1%15.2%0.4752.0%
    Equity (SPY)9.5%13.6%0.4128.3%
    Gold (GLD)3.6%28.7%0.11-2.9%
    Commodities (DBC)37.7%21.2%1.40-33.9%
    Real Estate (VNQ)12.0%14.2%0.5542.4%
    Bitcoin (BTCUSD)-20.8%43.3%-0.424.6%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with THFF
    THFF16.6%26.3%0.57-
    Sector ETF (XLF)9.1%18.4%0.3655.8%
    Equity (SPY)11.3%17.3%0.4838.6%
    Gold (GLD)17.5%19.1%0.74-1.8%
    Commodities (DBC)8.0%19.6%0.291.2%
    Real Estate (VNQ)1.2%18.9%-0.0542.1%
    Bitcoin (BTCUSD)5.9%51.5%0.2914.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with THFF
    THFF9.9%29.3%0.37-
    Sector ETF (XLF)13.3%22.1%0.5466.9%
    Equity (SPY)14.9%18.0%0.7049.8%
    Gold (GLD)12.0%16.5%0.59-3.2%
    Commodities (DBC)7.6%18.1%0.3312.9%
    Real Estate (VNQ)5.7%20.7%0.2349.2%
    Bitcoin (BTCUSD)61.3%66.2%1.0112.8%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity0.4 Mil
    Short Interest: % Change Since 93020264.7%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest4.1 days
    Basic Shares Quantity11.9 Mil
    Short % of Basic Shares3.7%

    Returns Analyses

    Earnings Returns History

    Updated 11/5/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/27/20261.7%2.6% 
    7/28/20262.9%6.3%2.0%
    4/28/20260.8%-2.2%3.2%
    2/3/20261.2%2.2%-2.2%
    10/28/20253.1%-1.7%8.6%
    7/22/20251.3%-0.1%-1.0%
    4/22/20255.4%12.1%20.4%
    2/4/20254.1%8.3%3.4%
    ...
    SUMMARY STATS   
    # Positive181715
    # Negative678
    Median Positive1.3%2.6%3.9%
    Median Negative-0.4%-1.0%-2.9%
    Max Positive5.4%12.1%20.4%
    Max Negative-0.8%-11.0%-13.6%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/27/20261.7%2.6% 
    7/28/20262.9%6.3%2.0%
    4/28/20260.8%-2.2%3.2%
    2/3/20261.2%2.2%-2.2%
    10/28/20253.1%-1.7%8.6%
    7/22/20251.3%-0.1%-1.0%
    4/22/20255.4%12.1%20.4%
    2/4/20254.1%8.3%3.4%
    10/22/20240.8%2.3%13.8%
    7/23/20243.1%1.6%-4.6%
    4/30/2024-0.6%4.0%-1.3%
    1/30/2024-0.1%-11.0%-13.6%
    10/24/20231.2%5.8%16.0%
    7/25/20230.0%2.7%-3.7%
    4/25/20232.7%-0.5%3.4%
    2/7/20230.7%-1.0%-4.7%
    10/25/20221.3%1.2%1.8%
    7/26/20222.6%4.0%4.2%
    4/26/20220.0%-0.7%3.3%
    2/1/2022-0.8%0.1%3.9%
    10/26/2021-0.4%2.0%5.3%
    7/27/2021-0.3%0.8%1.7%
    4/27/2021-0.1%1.1%-0.7%
    2/2/20210.6%5.7%10.1%
    SUMMARY STATS   
    # Positive181715
    # Negative678
    Median Positive1.3%2.6%3.9%
    Median Negative-0.4%-1.0%-2.9%
    Max Positive5.4%12.1%20.4%
    Max Negative-0.8%-11.0%-13.6%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    09/30/202611/04/202610-Q
    06/30/202608/06/202610-Q
    03/31/202605/06/202610-Q
    12/31/202503/04/202610-K
    09/30/202511/05/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/07/202510-Q
    12/31/202403/05/202510-K
    09/30/202411/06/202410-Q
    06/30/202408/07/202410-Q
    03/31/202405/08/202410-Q
    12/31/202303/11/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/02/202310-Q
    03/31/202305/04/202310-Q
    12/31/202203/08/202310-K
     Collapse to Preview
    Report DateFiling DateFiling
    09/30/202611/04/202610-Q
    06/30/202608/06/202610-Q
    03/31/202605/06/202610-Q
    12/31/202503/04/202610-K
    09/30/202511/05/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/07/202510-Q
    12/31/202403/05/202510-K
    09/30/202411/06/202410-Q
    06/30/202408/07/202410-Q
    03/31/202405/08/202410-Q
    12/31/202303/11/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/02/202310-Q
    03/31/202305/04/202310-Q
    12/31/202203/08/202310-K
    09/30/202211/02/202210-Q
    06/30/202208/03/202210-Q
    03/31/202205/04/202210-Q
    12/31/202103/09/202210-K
    09/30/202111/03/202110-Q
    06/30/202108/04/202110-Q
    03/31/202105/05/202110-Q
    12/31/202003/11/202110-K
    09/30/202011/04/202010-Q
    06/30/202008/06/202010-Q
    03/31/202005/07/202010-Q
    12/31/201903/06/202010-K

    Insider Activity

    Updated 7/17/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1McDonald, James ODirectBuy717202675.00846,325888,053Form
    2Franklin, Mark AllenCHIEF LENDING OFFICERDirectSell302202664.602,209142,701485,404Form
    3Jensen, Susan MDirectBuy1209202560.23281,686136,060Form
    4McDonald, James ODirectBuy1017202552.252,295119,914614,303Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1McDonald, James ODirectBuy717202675.00846,325888,053Form
    2Franklin, Mark AllenCHIEF LENDING OFFICERDirectSell302202664.602,209142,701485,404Form
    3Jensen, Susan MDirectBuy1209202560.23281,686136,060Form
    4McDonald, James ODirectBuy1017202552.252,295119,914614,303Form

    Industry Resources

    External Quote Links


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    Core Cache Last Updated: 11/5/2026