THFF · First Financial Corp /In/
$79.91
+2.24 (+2.88%)
At close · Jul 28
Market Cap
$923.64M
Shares
11.89M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$79.91
Open$79.27
Day$78.69–80.51
52W$50.29–80.51
Avg vol 30d130K
Short int342K · 2.9% float · 3.0d
Short vol60%
DataJan 2020–Jul 2026
Filing10-Q · May 6
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 6, 2026
Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 18.2 · elevated
Equity put/call 0.71
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+23%
above
Price vs 50-day avg
+9%
above
RSI (14)
66
neutral
MACD trend
Positive
52-week position
98%
near high
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+22%
trailing
YTD return
+35%
this year
Relative strength
+15%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $73 › 200d $65 — 50d above 200d
Institutional flow
Distributing
35 of 198 funds reported for Jun 30 · net -3.1K sh shares · +5 new
Insider flow
Accumulating
Net +$6.3K over 90 days · 0% sells
Short interest
Falling
2.88% of float · ▼ -10.5% MoM · 3.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
198 holders — near 3-yr high, broad support
Squeeze score
49
elevated · 0–100
Fundamentals
EPS growth
+67%
Y/Y
Free cash flow
$86.4M
Valuation
P/E 11.4
below peers
Balance sheet
$113.8M
net debt
Quant / Vol
risk profile
Volatility
27%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
2.5%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+23%
Bullish
Price vs 50-day avg
+9%
Bullish
RSI (14)
66
Neutral
MACD trend
Positive
Bullish
52-week position
98%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $73 › 200d $65 — 50d above 200d
Institutional flow
Distributing
35 of 198 funds reported for Jun 30 · net -3.1K sh shares · +5 new
Insider flow
Accumulating
Net +$6.3K over 90 days · 0% sells
Short interest
Falling
2.88% of float · ▼ -10.5% MoM · 3.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
198 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $50
Now $80 · 98%
52-wk high $81
vs 200-day avg +23%
vs 50-day avg +9%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses as a percent of total loans | 1.14% | As of June 30, 2026 | -3.4% |
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| Average total deposits | 4.87B | Q2 2026 | — |
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| Average total loans | 4.45B | Q2 2026 | — |
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| Banking centers | 79 | As of June 30, 2026 | — |
| Efficiency Ratio | 57.95% | Q2 2026 | — |
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| Net charge-offs | 2.7M | Q2 2026 | — |
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| Net Interest Margin | 4.33% | Q2 2026 | — |
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| Non-interest bearing deposits | 999M | As of June 30, 2026 | — |
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| Nonperforming loans | 27.1M | As of June 30, 2026 | — |
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| Pre-tax, pre-provision net income non-GAAP | 56.6M | Six months ended June 30, 2026 | — |
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| Ratio of nonperforming loans to total loans and leases | 0.61% | As of June 30, 2026 | — |
| Tangible Book Value per share non-GAAP | $46.98 | As of June 30, 2026 | +4.1% |
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| Tangible Common Equity to Tangible Asset Ratio non-GAAP | 9.22% | As of June 30, 2026 | -3.0% |
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| Total deposits | 4.83B | As of June 30, 2026 | — |
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| Total loans outstanding | 4.47B | As of June 30, 2026 | — |
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| Net charge-offs to average loans and leases | 0.18% | the year ended December 31, 2025 | — |
| Nonperforming loans to loans and leases | 0.36% | as of December 31, 2025 | — |
| Return on average assets | 1.42% | twelve months ended December 31, 2025 | — |
| Return on average common shareholder's equity | 13.41% | three months ended December 31, 2025 | — |
| Risk-based capital - Tier 1 | 13.21% | as of December 31, 2025 | — |
| Tier 1 leverage | 11.25% | as of December 31, 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
THFF
this stock
First Financial Corp /In/
|
$923.64M | +34.7% | — | 11.4 | 2.9% |
|
MFG
Mizuho Financial Group Inc
|
$128.77B | +44.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.08B | -35.5% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$107.20B | +0.3% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$100.25B | +21.5% | +7.2% | 14.5 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| THFF | +4.6% | +2.9% | +22.4% | +3.2% | +34.7% |
| SPY | -1.0% | 0.0% | +7.4% | -0.8% | +8.6% |
| vs SPY | +5.6% | +2.9% | +14.9% | +4.0% | +26.1% |
Capital returns
Latest dividend
$0.56
/ share · ex Jul 1, 2026
Paid (TTM)
$0.56
/ share · 1 payout
Dividend yield (TTM, derived)
— · history filling in
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.