First Financial Corporation Common Stock (THFF)

FairStock Score: 74/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like First Financial through the lens of durable returns and price. At the close on 2026-10-13, the stock was $73.38, giving a FairStock-computed P/E of 10.28, P/B of 1.29, and ROE of 13.42%. A bank earning low-teens on equity and selling near 1.3 times book is not priced for perfection. The dividend yield is 3.06%, beta is 0.44, and the Lynch category is STALWART, based on about 8% annual profit growth over five years. Filed results support steady recent momentum: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $22.7M and diluted EPS $1.91, versus $18.6M and $1.57 in fiscal Q2 2025. For FY2025, net income was $79.2M and diluted EPS $6.68, though FY2024’s $47.3M was below FY2023’s $60.7M, so earnings are not perfectly smooth. The moat is modest: local deposits and relationships in its footprint, but regional banks compete on price and credit. Piotroski is 5/9, so financial signals are mixed. FairStock score is 74/100 and PEG is 1.35. The critical missing pieces are bank-specific: CET1, net interest margin, and credit/underwriting measures are not in the data; D/E is N/A. Without those, I cannot judge balance-sheet safety deeply. On the numbers available, the price looks fair to mildly attractive, not a screaming bargain.

In plain English: First Financial is a small regional bank operating in Indiana, Illinois, Kentucky, Tennessee and Georgia. Its profits have been solid recently and it pays a meaningful dividend, but earnings have moved around and the shares have already recovered from their low. Based on the numbers provided, the price looks roughly fair to mildly cheap, not obviously expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer