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First Financial Corporation (THFF)

Financial Services | Banks - Regional | Terre Haute, United States | NasdaqGS
73.73 USD +0.72 (0.986%) ⇧ (Oct. 15, 2026, 4 p.m. EDT)
After hours: 73.73

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 5:58 a.m. EDT

First Financial presents a compelling dichotomy: a fundamentally superior business trading at a discount, weighed down by recent technical weakness. The long-term outlook is strong; the company has delivered six out of nine years of positive growth, recently posting a 25% revenue expansion and an earnings beat that highlights operational quality. With a payout ratio of just 30%, the 3% dividend yield is sustainable and offers a nice cushion against volatility, though it isn't a high-yield play. The short-term view is more cautious. Despite the solid earnings, the stock has underperformed its 50-day moving average, and the statistical forecast model shows zero directional bias for the next month. While options flow suggests some buyers are targeting the $80 resistance, the immediate path looks choppy. This is a core hold for a patient investor, but not a momentum trade for the near term.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.028693
AutoETS0.030335
AutoTheta0.038122
AutoARIMA0.057433

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 60%
H-stat 0.15
Ljung-Box p 0.000
Jarque-Bera p 0.476
Excess Kurtosis -0.81
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-30
Last Dividend Date 2026-09-30
Revenue per Share 22.587
Market Cap 876,789,504
Trailing P/E 10.38
Forward P/E 8.93
Beta 0.44
Profit Margins 31.61%
Website https://www.first-online.bank

As of Oct. 10, 2026, 5:58 a.m. EDT: Speculator positioning is mixed but leans slightly bullish on the upside. Call volume at the $80 strike for December expiration is notably elevated relative to open interest, suggesting bets on a move toward the analyst mean. However, put open interest is concentrated at lower strikes ($55-$70), indicating a floor is being established around current levels rather than a bearish crash scenario.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.76% 3.30% 3.95% 3.53%
Dividend History
Date Dividend Yield %
2026-10-01 0.560000 0.756859
2026-07-01 0.560000 0.716296
2026-04-01 0.560000 0.882585
2026-01-02 0.560000 0.940860
2025-10-01 0.510000 0.924080
2025-07-01 0.510000 0.928793
2025-04-01 0.510000 1.048520
2025-01-03 0.510000 1.121865
2024-10-01 0.450000 1.070155
2024-07-01 0.450000 1.237964
2024-03-28 0.450000 1.174015
2023-12-29 0.450000 1.045782
2023-06-15 0.540000 1.535400
2023-01-05 0.740000 1.648474
2022-06-16 0.540000 1.219788
2022-01-06 0.630000 1.381276
2021-06-16 0.530000 1.179350
2021-01-07 0.530000 1.274039
2020-06-12 0.520000 1.486139
2020-01-07 0.520000 1.173815
2019-06-14 0.520000 1.337449
2019-01-07 0.510000 1.199154
2018-06-14 0.510000 1.163056
2018-01-05 0.510000 1.119649
2017-11-16 1.500000 3.250271
2017-06-14 0.500000 1.020408
2017-01-04 0.500000 0.961538
2016-06-15 0.500000 1.383126
2016-01-06 0.490000 1.457032
2015-06-15 0.490000 1.400400
2015-01-06 0.490000 1.471472
2014-06-12 0.490000 1.512346
2014-01-03 0.480000 1.367521
2013-06-12 0.480000 1.590457
2012-12-12 0.480000 1.645526
2012-06-13 0.470000 1.688825
2011-12-13 0.470000 1.479849
2011-06-13 0.470000 1.513200
2010-12-13 0.460000 1.346210
2010-06-11 0.460000 1.713860
2009-12-23 0.450000 1.450209
2009-06-11 0.450000 1.367366
2008-12-11 0.450000 1.375726
2008-06-12 0.440000 1.338199
2007-12-12 0.440000 1.570307
2007-06-13 0.430000 1.553468
2006-12-13 0.430000 1.240623
2006-06-14 0.420000 1.470074
2005-11-30 0.420000 1.533966
2005-06-15 0.400000 1.440922
2004-12-01 0.400000 1.081081
2004-06-14 0.390000 1.344364
2003-12-03 0.360000 1.241379
2003-06-09 0.340000 1.214937
2002-12-04 0.310000 1.230403
2002-06-10 0.310000 1.425287
2001-12-05 0.290000 1.324201
2001-06-08 0.280000 1.491345
2000-12-06 0.280000 1.894292
2000-06-09 0.260000 1.637795
1999-12-07 0.250000 1.234568
1999-06-11 0.220000 1.197279
1998-12-04 0.220000 0.983240
1998-06-12 0.200000 0.806045
1997-12-04 0.195238 0.860892
1997-06-13 0.166667 1.000002
1996-12-13 0.166667 1.018184
1995-12-13 0.126984 0.874999
1994-12-14 0.120937 0.888887
1994-06-15 0.116618 0.779783
1993-12-15 0.116618 0.830769
1993-06-09 0.107980 0.956940
1992-12-09 0.107980 1.136367
1992-06-11 0.086384 1.052635
Additional Data
dividendYield 3.06
exDividendDate 2026-10-01
trailingAnnualDividendRate 2.19
trailingAnnualDividendYield 0.02999589
lastDividendValue 0.56
lastDividendDate 2026-10-01
dividendDate 2026-10-15

Info Dump

Attribute Value
52 Week Change 0.4124589
Address1 One First Financial Plaza
Address2 P.O. Box 540
All Time High 84.17
All Time Low 6.910701
Ask 94.46
Ask Size 2
Audit Risk 3
Average Analyst Rating 2.5 - Buy
Average Daily Volume10 Day 109,130
Average Daily Volume3 Month 107,701
Average Volume 107,701
Average Volume10Days 109,130
Beta 0.436
Bid 53.38
Bid Size 2
Board Risk 6
Book Value 56.827
City Terre Haute
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 3
Country United States
Crypto Tradeable 0
Currency USD
Current Price 73.73
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 74.3599
Day Low 73.2
Display Name First Financial
Dividend Date 1,792,022,400
Dividend Yield 3.06
Earnings Growth 0.219
Earnings Quarterly Growth 0.224
Earnings Timestamp 1,785,241,800
Earnings Timestamp End 1,793,709,000
Earnings Timestamp Start 1,793,709,000
Ebitda Margins 0.0
Enterprise To Revenue 5.181
Enterprise Value 1,389,391,488
Eps Current Year 7.7675
Eps Forward 8.255
Eps Trailing Twelve Months 7.1
Esg Populated 0
Ex Dividend Date 1,790,812,800
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 77.589
Fifty Day Average Change -3.8589935
Fifty Day Average Change Percent -0.04973635
Fifty Two Week Change Percent 41.245888
Fifty Two Week High 84.17
Fifty Two Week High Change -10.439995
Fifty Two Week High Change Percent -0.124034636
Fifty Two Week Low 51.21
Fifty Two Week Low Change 22.520004
Fifty Two Week Low Change Percent 0.43975794
Fifty Two Week Range 51.21 - 84.17
Financial Currency USD
First Trade Date Milliseconds 699,633,000,000
Five Year Avg Dividend Yield 2.93
Float Shares 11,294,685
Forward Eps 8.255
Forward P E 8.931557
Full Exchange Name NasdaqGS
Full Time Employees 946
Fullday Change 0.7200012
Fullday Change Percent 0.9861679
Fullday Price 73.73
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 268,170,000
Has Pre Post Market Data 1
Held Percent Insiders 0.03728
Held Percent Institutions 0.63166
Implied Shares Outstanding 11,891,896
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,790,812,800
Last Dividend Value 0.56
Last Fiscal Year End 1,767,139,200
Last Split Date 1,066,262,400
Last Split Factor 2:1
Long Business 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.
Long Name First Financial Corporation
Market us_market
Market Cap 876,789,504
Market State POST
Max Age 86,400
Message Board Id finmb_343050
Most Recent Quarter 1,782,777,600
Net Income To Common 84,763,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 886,659,765
Number Of Analyst Opinions 3
Open 73.43
Operating Cashflow 97,315,000
Operating Margins 0.40710998
Overall Risk 5
Payout Ratio 0.3067
Peg Ratio 9.51
Phone 812 238 6000
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 73.73
Post Market Time 1,792,094,470
Previous Close 73.01
Price Eps Current Year 9.492115
Price Hint 2
Price To Book 1.2974467
Price To Sales Trailing12 Months 3.2695286
Profit Margins 0.31608
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.5
Region US
Regular Market Change 0.7200012
Regular Market Change Percent 0.9861679
Regular Market Day High 74.3599
Regular Market Day Low 73.2
Regular Market Day Range 73.2 - 74.3599
Regular Market Open 73.43
Regular Market Previous Close 73.01
Regular Market Price 73.73
Regular Market Time 1,792,094,400
Regular Market Volume 126,636
Return On Assets 0.01439
Return On Equity 0.13418001
Revenue Growth 0.155
Revenue Per Share 22.587
Sand P52 Week Change 0.16440773
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 11,891,896
Shares Percent Shares Out 0.0355
Shares Short 422,353
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 374,501
Short Name First Financial Corporation
Short Percent Of Float 0.0374
Short Ratio 3.3
Source Interval 15
State IN
Symbol THFF
Target High Price 88.0
Target Low Price 83.0
Target Mean Price 85.33333
Target Median Price 85.0
Total Cash 96,633,000
Total Cash Per Share 8.126
Total Debt 609,235,008
Total Revenue 268,170,000
Tradeable 0
Trailing Annual Dividend Rate 2.19
Trailing Annual Dividend Yield 0.02999589
Trailing Eps 7.1
Trailing P E 10.384507
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 70.38555
Two Hundred Day Average Change 3.344452
Two Hundred Day Average Change Percent 0.04751617
Type Disp Equity
Volume 126,636
Website https://www.first-online.bank
Zip 47,807