First Financial Corporation Indiana (THFF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Financial Corporation Indiana stock (THFF) is currently trading at $62.37. First Financial Corporation Indiana PE ratio is 9.34. First Financial Corporation Indiana PS ratio (Price-to-Sales) is 2.92. Analyst consensus price target for THFF is $71.50. WallStSmart rates THFF as Moderate Buy.
- THFF PE ratio analysis and historical PE chart
- THFF PS ratio (Price-to-Sales) history and trend
- THFF intrinsic value — DCF, Graham Number, EPV models
- THFF stock price prediction 2025 2026 2027 2028 2029 2030
- THFF fair value vs current price
- THFF insider transactions and insider buying
- Is THFF undervalued or overvalued?
- First Financial Corporation Indiana financial analysis — revenue, earnings, cash flow
- THFF Piotroski F-Score and Altman Z-Score
- THFF analyst price target and Smart Rating
First Financial Corporation Indiana
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THFF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Financial Corporation Indiana (THFF)
THFF trades at a significant discount to its Graham intrinsic value of $312.62, offering a 79% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Financial Corporation Indiana (THFF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around peg ratio and revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
First Financial Corporation Indiana (THFF) Key Strengths (5)
Keeps $34 of every $100 in revenue after operating costs
Earnings per share surging 31.60% year-over-year
Keeps $31 of every $100 in revenue as net profit
82.68% of shares held by major funds and institutions
Trading at 1.11x book value, attractively priced
Supporting Valuation Data
First Financial Corporation Indiana (THFF) Areas to Watch (5)
Very expensive relative to growth, significant premium
Revenue growing slowly at 4.80% annually
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.92x sales
First Financial Corporation Indiana (THFF) Detailed Analysis Report
Overall Assessment
This company scores 68/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.6/10) while 5 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.11) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 34.20%, Profit Margin at 31.20%. Growth metrics are encouraging with EPS Growth at 31.60%.
The Bear Case
The primary concerns are PEG Ratio, Revenue Growth, Market Cap. Some valuation metrics including PEG Ratio (9.51), Price/Sales (2.92) suggest expensive pricing. Growth concerns include Revenue Growth at 4.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 4.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, EPS Growth) and negatives (PEG Ratio, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
THFF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
THFF's Price-to-Sales ratio of 2.92x sits near its historical average of 2.91x (57th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 3% below its historical high of 3.02x set in Mar 2026, and 3% above its historical low of 2.84x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Financial Corporation Indiana (THFF) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Financial Corporation Indiana is a strong growth company balancing expansion with improving profitability. Revenue reached 254M with 480% growth year-over-year. Profit margins are strong at 31.2%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 480% YoY, reaching 254M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1320.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can First Financial Corporation Indiana maintain 480%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 3.3%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Financial Corporation Indiana.
Bottom Line
First Financial Corporation Indiana offers an attractive blend of growth (480% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About First Financial Corporation Indiana(THFF)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Financial Corporation, provides various financial services. The company is headquartered in Terre Haute, Indiana.