THFF

BULLISH

$67.41 Live

First Financial Corporation · NASDAQ

Target $71.5 (+6.1%)

$43.76 52W Range $69.21

THFF First Financial Corporation - Fundamental Analysis

BULLISH

Console Chart News

THFF Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$67.41

Analyst Target

$71.5

+6.1% Upside

52W High

$69.21

52W Low

$43.76

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026

Market cap

$801.63M

P/E

10.09

ROE

13.2%

Profit margin

31.2%

Debt/Equity

N/A

Dividend yield

3.17%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

THFF presents a strong value opportunity, anchored by a Piotroski F-Score of 4/9 (Stable) and significant undervaluation relative to its Graham Number ($90.74) and Intrinsic Value ($197.06). While the technical trend is currently bearish and insider sentiment is weak, the company's fundamental profitability is robust with a 13.20% ROE and a consistent track record of earnings beats. The disconnect between the low P/E (10.09) and high earnings growth (31.60% YoY) suggests a market mispricing. Overall, the financial health is stable, and the dividend is highly sustainable.

Key Strengths

Significant undervaluation relative to Graham Number and Intrinsic Value

Strong earnings growth (31.60% YoY) and consistent quarterly beats

Healthy profitability metrics with 13.20% ROE and 31.23% profit margin

Sustainable dividend profile with a low payout ratio of 31.29%

Low P/E ratio (10.09) compared to the financial services sector average

Key Risks

Sluggish revenue growth (4.80% YoY) compared to earnings growth

Bearish insider sentiment with net selling activity

Very high PEG ratio (9.51) indicating potential growth deceleration

Bearish technical trend score (10/100) despite recent price gains

Exposure to regional banking sector volatility

AI Fair Value Estimate

Based on comprehensive analysis

$95.5

+41.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Strong Value Play

Key drivers: Deep valuation discount, Earnings consistency, Sustainable dividends

Confidence

80%

Value

90/100

Ref P/E, PEG, Graham Number

Positives

P/E of 10.09 is well below sector average
Price is significantly below Graham Number ($90.74)

Watchpoints

High PEG ratio

Future

65/100

Ref Growth rates

Positives

Strong Q/Q earnings growth (32.10%)

Watchpoints

Low YoY revenue growth (4.80%)

Past

85/100

Ref Historical trends

Positives

Consistent earnings beats over 25 quarters
Strong 1Y price performance (+59.5%)

Watchpoints

Occasional large earnings misses in 2024

Health

55/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Piotroski F-Score of 4/9 indicates stability

Watchpoints

Lack of Altman Z-Score data for definitive distress analysis

Dividend

75/100

Ref Yield, Payout

Positives

Low payout ratio (31.29%)
Consistent yield of 3.17%

Watchpoints

Moderate dividend strength score (50/100)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$67.41

Analyst Target

$71.5

Upside/Downside

+6.1%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for THFF and closest competitors.

Updated 2026-04-20

Company	5Y	3Y	1Y	6M	1M	1W
THFF First Financial Corporation Primary	+80.6%	+123.2%	+59.5%	+26.7%	+12.4%	+1.0%
NAVI Navient Corporation Peer	-31.2%	-41.3%	-21.7%	-31.4%	+0.2%	-2.6%
PRAA PRA Group, Inc. Peer	-42.8%	-43.5%	+24.0%	+55.9%	+20.3%	+10.3%
HTBK Heritage Commerce Corp Peer	+39.7%	+91.7%	+72.2%	+45.8%	+11.2%	+5.0%
FMNB Farmers National Banc Corp. Peer	+4.5%	+34.2%	+17.1%	+1.9%	+11.8%	+4.0%

THF

First Financial Corporation

Primary

+80.6%

+123.2%

+59.5%

+26.7%

+12.4%

+1.0%

NAV

Navient Corporation

Peer

-31.2%

-41.3%

-21.7%

-31.4%

+0.2%

-2.6%

PRA

PRA Group, Inc.

Peer

-42.8%

-43.5%

+24.0%

+55.9%

+20.3%

+10.3%

HTB

Heritage Commerce Corp

Peer

+39.7%

+91.7%

+72.2%

+45.8%

+11.2%

+5.0%

FMN

Farmers National Banc Corp.

Peer

+4.5%

+34.2%

+17.1%

+1.9%

+11.8%

+4.0%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

10.09

9.04

9.51

1.23

3.16

4.58

N/A

$801.63M

Profitability

Profit margins and return metrics

Profit Margin 31.23%

Operating Margin 34.24%

Gross Margin N/A

ROE 13.2%

ROA 1.4%

Growth

Revenue and earnings growth rates

Revenue Growth +4.8%

Earnings Growth +31.6%

Q/Q Revenue Growth +14.13%

Q/Q Earnings Growth +32.1%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$11.23

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.1B

Net Margin

30.4%

Total Assets

$5.8B

Liabilities

$5.1B

Equity

$0.7B

Debt/Equity

7.84x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

96%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-21

$N/A

2026-02-03

$1.81

+5.5% surprise

2025-10-28

$1.75

+10.3% surprise

2025-07-22

$1.57

+11.9% surprise

Financial Services Sector Comparison

Comparing THFF against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)

P/E Ratio

10.09

This Stock

41.68

Sector Avg

-75.8% (Discount)

Return on Equity (ROE)

13.2%

This Stock

-0.24%

Sector Avg

-5533.9% (Below Avg)

Profit Margin

31.23%

This Stock

47.47%

Sector Avg

-34.2% (Weaker)

Revenue Growth

4.8%

This Stock

39.3%

Sector Avg

-87.8% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
THFF First Financial Corporation	BULLISH	$801.63M	10.09	13.2%	31.2%	$67.41
NAVI Navient Corporation	BEARISH	$787.34M	-	-3.2%	-24.2%	$8.28	Compare
PRAA PRA Group, Inc.	NEUTRAL	$822.84M	-	-26.0%	-25.4%	$21.09	Compare
HTBK Heritage Commerce Corp	BULLISH	$823.5M	17.14	6.8%	24.4%	$13.37	Compare
FMNB Farmers National Banc Corp.	BULLISH	$823.88M	9.61	12.2%	30.1%	$13.94	Compare

THFF First Financial...

BULLISH

Mkt Cap

$802M

P/E

10.1

ROE

13.2%

Price

$67.41

NAVI Navient Corporation

Compare with THFF

Compare with THFF

HTBK Heritage Commerce Corp

Compare with THFF

Compare with THFF

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-02	FRANKLIN MARK ALLEN	Officer	Sale	2,209	$142,701
2026-02-09	FRANKLIN MARK ALLEN	Officer	Stock Award	2,143	-
2026-02-09	PANAGOULEAS STEPHEN P	Officer	Stock Award	2,129	-
2026-02-09	LOWERY NORMAN D	Chief Executive Officer	Stock Award	9,414	-
2026-02-09	MCHARGUE RODGER ALLEN	Chief Financial Officer	Stock Award	2,961	-
2025-12-04	JENSEN SUSAN M.	Director	Purchase	28	$1,686

FRANKLIN MARK ALLEN

Officer

Sell

2026-03-02

2,209 shares · $142,701

FRANKLIN MARK ALLEN

Officer

Stock Award

2026-02-09

2,143 shares

PANAGOULEAS STEPHEN P

Officer

Stock Award

2026-02-09

2,129 shares

LOWERY NORMAN D

Chief Executive Officer

Stock Award

2026-02-09

9,414 shares

MCHARGUE RODGER ALLEN

Chief Financial Officer

Stock Award

2026-02-09

2,961 shares

JENSEN SUSAN M.

Director

Buy

2025-12-04

28 shares · $1,686

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-15

THFF filed an 8-K on April 15, 2026, likely to report its first-quarter financial results or other periodic corporate updates.

8-K

2026-03-20

8-K

2026-03-18

DEF 14A

2026-03-17

THFF filed a Definitive Proxy Statement on March 17, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

10-K

2026-03-04

THFF filed its annual 10-K report on March 4, 2026. The provided excerpts do not contain specific financial metrics or detailed risk disclosures to evaluate the company's current financial performance or risk profile.

8-K

2026-03-02

8-K

2026-02-03

THFF likely reported its fourth quarter and full-year financial results for the 2025 fiscal year.

8-K

2026-01-30

THFF filed an 8-K on January 30, 2026, likely to announce its financial results for the fiscal period ending December 31, 2025.

8-K

2025-12-18

8-K

2025-11-06

10-Q

2025-11-05

8-K

2025-10-28

8-K

2025-09-18

10-Q

2025-08-07

8-K

2025-07-25

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

NONE

2 analysts

Keefe, Bruyette & Woods

2025-10-30

Maintains

Market Perform Market Perform

Past News Coverage

Recent headlines mentioning THFF from our newsroom.

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THFF

THFF First Financial Corporation - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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