THFF
Financial ServicesFirst Financial Corporation · Banks - Regional · $820M
What is First Financial Corporation?
First Financial Corporation is a community banking institution headquartered in Terre Haute, Indiana, serving customers across west-central Indiana, east-central Illinois, western Kentucky, and parts of Tennessee through a network of 78 branches.
The company generates revenue primarily through traditional banking activities — accepting deposits and extending credit. It offers commercial loans, residential real estate financing, home equity products, and consumer lending. Beyond core banking, First Financial provides lease financing, trust account services, and insurance products, giving it a diversified revenue base relative to its community-bank peers.
Founded in 1992 and based in Terre Haute, Indiana, First Financial Corporation has deep roots in Midwestern community banking.
- Commercial and business loans
- Residential real estate and construction loans
- Home equity lines and consumer lending
- Trust, insurance, and deposit services
Is THFF a Good Stock to Buy?
UQS Score rates THFF as Good overall, reflecting a balanced profile with notable strengths and some areas of caution.
The Quality pillar stands out as the strongest element of THFF's profile, suggesting disciplined operations relative to sector peers. The Risk pillar also rates Good, indicating the bank manages balance-sheet and credit exposures in a measured way. Valuation is rated Attractive, meaning the stock does not appear richly priced relative to fundamentals.
Both the Moat and Growth pillars rate Weak, pointing to limited competitive differentiation and modest near-term expansion prospects — common challenges for smaller regional banks.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does THFF pay dividends?
Yes — First Financial Corporation pays a dividend.
First Financial Corporation pays a regular dividend, consistent with the income-oriented tradition of community banks. The dividend reflects the company's stable deposit-funded business model and its focus on returning capital to shareholders. Investors seeking steady income from regional bank exposure may find THFF's dividend cadence worth examining alongside its Attractive valuation rating.
When does THFF report earnings?
First Financial Corporation reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The company's Good Risk and Strong Quality ratings suggest earnings have been generated with reasonable consistency, though the Weak Growth pillar indicates revenue expansion has been limited. Community banks in the Midwest face ongoing pressure from interest rate cycles and loan demand trends.
For the most recent quarter's results and guidance, visit First Financial Corporation's investor relations page directly.
THFF Price History
+71.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in First Financial Corporation?
Based on First Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
THFF Long-term Outlook
THFF's fundamental outlook is shaped by its Strong Quality and Good Risk profile, which suggest the bank is well-positioned to navigate credit cycles without outsized losses. However, the Weak Growth pillar indicates that meaningful revenue acceleration is not a near-term expectation. The Attractive Valuation rating suggests the market has already priced in the bank's modest growth trajectory, leaving room for income-focused investors.
Growth drivers
- Stable deposit base across a multi-state branch network
- Potential for incremental loan growth in underserved Midwestern markets
- Diversified fee income from trust and insurance services
Key risks
- Limited competitive moat in a fragmented regional banking landscape
- Sensitivity to interest rate changes affecting net interest margin
- Modest organic growth potential constraining long-term earnings expansion
THFF vs Peers
THFF operates in a competitive regional banking space alongside several similarly sized institutions.
Capital City Bank focuses on the southeastern US, giving it a different regional footprint and demographic exposure compared to THFF's Midwestern base.
TrustCo operates primarily in the northeastern US and has a notably concentrated mortgage lending focus, contrasting with THFF's broader product mix.
Customers Bancorp pursues a more growth-oriented strategy with a national digital banking presence, differentiating it from THFF's community-branch model.
Frequently Asked Questions
What does First Financial Corporation do?
First Financial Corporation is a community bank holding company that accepts deposits and makes loans to individuals and businesses. It operates 78 branches across Indiana, Illinois, Kentucky, and Tennessee, and also offers trust, insurance, and lease financing services.
Does THFF pay dividends?
Yes, First Financial Corporation pays a regular dividend. This is consistent with its community banking model and its focus on returning capital to shareholders. The Attractive Valuation rating adds context for income-oriented investors evaluating the stock.
When does THFF report earnings?
First Financial Corporation reports on a quarterly cadence, as is standard for US-listed bank holding companies. For exact release dates and the most recent results, check the company's investor relations page.
Is THFF a good stock to buy?
UQS Score rates THFF as Good overall. Its strongest attributes are Quality and Risk, while Moat and Growth are rated Weak. Valuation is Attractive. Whether it fits your portfolio depends on your goals — the full pillar breakdown is available to Pro members.
Is THFF overvalued?
The UQS Valuation pillar rates THFF as Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. This may appeal to value-conscious investors, particularly given the bank's stable quality profile.
How does THFF compare to its competitors?
Compared to peers like Capital City Bank Group and TrustCo Bank Corp, THFF is a Midwestern community bank with a diversified product mix. Its Good Risk and Strong Quality ratings may differentiate it, though its Weak Moat suggests limited pricing power versus larger regional rivals.
What is THFF's market cap bracket?
THFF is classified as a small-cap stock. This places it in the community and regional bank segment, where liquidity and analyst coverage tend to be lower than for large-cap financial institutions.
Who founded First Financial Corporation?
First Financial Corporation's founding history is publicly documented and dates back to 1992 in Terre Haute, Indiana. For detailed founding and leadership history, the company's official website and SEC filings are the most reliable sources.
Is THFF a long-term quality investment?
From a quality standpoint, THFF's Strong Quality and Good Risk pillar ratings suggest a stable, well-managed institution. However, the Weak Growth and Moat ratings indicate limited long-term earnings acceleration. Long-term suitability depends on individual risk tolerance and income objectives.
What sector does THFF belong to?
THFF operates in the Financial Services sector, specifically within community and regional banking. This sector is sensitive to interest rate cycles, credit conditions, and local economic trends in the markets the bank serves.
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Pro Analysis
THFF — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 50.5 | 83.4 | 22.0 | 36.0 | 24.9 | 88.4 | -0.1 |
| May 18, 2026 | 50.6 | 83.4 | 22.0 | 36.0 | 24.9 | 88.9 | -6.2 |
| Apr 26, 2026 | 56.8 | 84.6 | 22.0 | 35.0 | 63.9 | 90.6 | 0.0 |
| Apr 18, 2026 | 56.8 | 84.6 | 22.0 | 35.0 | 63.9 | 90.3 | -0.9 |
| Apr 12, 2026 | 57.7 | 84.6 | 22.0 | 35.0 | 63.9 | 96.7 | -0.1 |
| Apr 9, 2026 | 57.8 | 84.6 | 22.0 | 35.0 | 63.9 | 97.1 | +0.1 |
| Apr 2, 2026 | 57.7 | 84.6 | 22.0 | 34.7 | 63.9 | 96.9 | — |
THFF — Pillar Breakdown
Quality
— 83.4/100 (25%)First Financial Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 36.0/100 (20%)First Financial Corporation shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 24.9/100 (15%)First Financial Corporation presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 88.6/100 (15%)First Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 22/100 (25%)First Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for THFF.
Score Composition
Financial Data
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How is the THFF UQS Score Calculated?
The UQS (Unified Quality Score) for First Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses First Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether First Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.