Is First Financial Corporation (THFF) Overvalued?
We dive into why First Financial Corporation (THFF) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
First Financial Corporation operates as the bank holding company for First Financial Bank N.A. that provides various financial services for individuals and businesses in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia in the United States. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits; checking and savings accounts; personal and business certificates of deposit; and digital banking services. It also provides commercial loans primarily to expand a business or finance asset purchases; real estate mortgages, including residential real estate and residential real estate construction loans; home equity loans and lines, secured loans, cash/CD secured loans, and unsecured loans; mortgage refinance; personal and auto loans; and credit cards. In addition, the company offers lease financing, trust account, and depositor services; business services, including accounts receivable and payable, merchant services, fraud protection, money management, and workplace rewards; and wealth services. The company was formerly known as Terre Haute First Corporation and changed its name to First Financial Corporation in December 1984. First Financial Corporation was founded in 1834 and is headquartered in Terre Haute, Indiana.
Commentary & Analysis
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Financial Summary
| Share Statistics | THFF | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $940.3 | $751.0 | 44% |
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| Shares Out (Mil) | 11.9 | 15.4 | 22% |
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| Institutional Ownership | 94.4% | 83.2% | 65% |
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| Float (Mil) | 11.3 | 21.8 | 21% |
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| Beta | 0.41 | 0.43 | 23% |
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| Avg Daily Volume (000s) | 89 | 42 | 33% |
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| Price Change (52-week) |
43.1% | 94.6% | 76% |
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| Growth | THFF | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 7.3% | 7.7% | 47% |
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| Net Income (5yr) | 8.0% | 11.1% | 52% |
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| EPS (5yr) | 11.2% | 10.1% | 49 |
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| Dividends (5yr) | 14.8% | 3.6% | 91% |
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| Cash Flow (5yr) | (39.6%) | (17.1%) | 12% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $2.027 | $7.657 | $7.820 | |
| Month Ago EPS | $1.893 | $7.300 | $7.550 | |
| # Rev Up | 1 | 2 | 2 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $1.895 | $7.335 | $7.575 | |
| Year/Year Chg | 6.0% | 14.6% | na | |
| Financials | THFF | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $268 | $196 | 35% |
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| Net Income (TTM) (Mil) | $85 | $55 | 59% |
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| EPS (TTM) | $7.139 | $2.600 | 91% |
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| Operating Cash Flow (TTM) (Mil) | $97 | $36 | 52% |
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| Net Cash Flow (TTM) (Mil) | ($1) | $2 | 41% |
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| Long-Term Debt (Q1) (Mil) | $298 | $101 | 53% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | THFF | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.39 | 1.25 | 35% |
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| P/E | 11.1 | 12.5 | 21% |
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| Dividend Yield | 2.8% | 2.2% | 83% |
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| PEG (5yr hist) | 1.0 | 1.1 | 45% |
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| Ratios | THFF | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 31.6% | 29.1% | 90% |
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| ROA | 1.4% | 1.1% | 51% |
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| ROE | 13.4% | 11.3% | 67% |
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| Liabilities to Assets | 89.1% | 89.7% | 84% |
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| F-Score | 4 | 4 | 34% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
GURU STRATEGY
Lakonishok Screen
Factors: Value, Momentum
Identifying stocks trading at a discount to their industry norms but showing recent price strength and upward earnings revisions.
| Performance Since Inception: | 13.2% |
| +/- S&P 500: | +5.7 |
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 13.9% |
| +/- S&P 500: | +6.4 |
GURU STRATEGY
Stock Market Winners Screen
Factors: Value, Momentum, Growth
A screen that tries to interpret and apply successful trading rules in the real market environment.
| Performance Since Inception: | 14.9% |
| +/- S&P 500: | +7.4 |
