THFF · First Financial Corp /In/
$78.82
-2.90 (-3.55%)
At close · Aug 19
Market Cap
$971.81M
Shares
11.89M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$78.82
Open$81.93
Day$78.61–82.39
52W close$51.56–82.79
Avg vol 30d98K
Short int358K · 3.0% float · 3.6d
Short vol66%
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+18%
above
Price vs 50-day avg
+2%
above
RSI (14)
46
neutral
MACD trend
Negative
52-week position
87%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+5%
trailing
6-month return
+20%
trailing
YTD return
+30%
this year
Relative strength
+8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $78 › 200d $67 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +26 funds added
Insider flow
Accumulating
Net +$6.3K over 90 days · 0% sells
Short interest
Rising
3.01% of float · ▲ +4.8% MoM · 3.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
199 holders — near 3-yr high, broad support
Squeeze score
60
elevated · 0–100
Fundamentals
EPS growth
+67%
Y/Y
Free cash flow
$86.4M
Valuation
P/E 12
below peers
Balance sheet
$207.2M
net debt
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.4%
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 Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+18%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
46
Neutral
MACD trend
Negative
Bearish
52-week position
87%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $78 › 200d $67 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +26 funds added
Insider flow
Accumulating
Net +$6.3K over 90 days · 0% sells
Short interest
Rising
3.01% of float · ▲ +4.8% MoM · 3.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
199 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $52
Now $79 · 87%
Range high $83
vs 200-day avg +18%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Accruing loans and leases past due 30-89 days | $12.73M | June 30, 2026 | — |
| Accruing loans and leases past due 90 days or more | $3.03M | June 30, 2026 | — |
| Allowance for credit losses | $50.9M | As of June 30, 2026 | — |
| Allowance for credit losses as a percent of total loans | 1.14% | As of June 30, 2026 | — |
| Average equity to average assets | 10.83% | June 30, 2026 | — |
| 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 July 28, 2026 | — |
| Credit loss reserve to loans and leases | 1.14% | Q2 2026 | — |
| Credit loss reserve to nonperforming loans | 188.21% | June 30, 2026 | — |
| Gross charge-offs | $4.08M | June 30, 2026 | — |
| Net charge-offs | $2.7M | Q2 2026 | — |
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| Net charge-offs/(recoveries) | $2.7M | June 30, 2026 | — |
| Non-interest bearing deposits | $999M | As of June 30, 2026 | — |
| Nonaccrual loans and leases | $24.04M | June 30, 2026 | — |
| Nonperforming loans | $27.1M | As of June 30, 2026 | — |
| Nonperforming loans and other real estate owned | $28.1M | June 30, 2026 | — |
| Other real estate owned | $1.04M | June 30, 2026 | — |
| Pre-tax, Pre-provision Income non-GAAP | $29.34M | Three Months Ended June 30, 2026 | — |
| Ratio of nonperforming loans to total loans and leases | 0.61% | As of June 30, 2026 | — |
| Recoveries | $1.38M | June 30, 2026 | — |
| Risk-based capital - Tier 1 | 12.78% | Q2 2026 | — |
| Shares available for repurchase | 518,860 | As of June 30, 2026 | — |
| Tangible Book Value per share non-GAAP | $46.98 | As of June 30, 2026 | — |
| Tangible Common Equity to Tangible Asset Ratio non-GAAP | 9.22% | As of June 30, 2026 | — |
| Tier 1 leverage | 10.81% | Q2 2026 | — |
| Time deposits | $802M | As of June 30, 2026 | — |
| Total loans outstanding | $4.47B | As of June 30, 2026 | — |
| Total nonperforming assets | $30.76M | June 30, 2026 | — |
| Total deposits | $4.84B | Q1 2026 | — |
| Efficiency Ratio | 57.92% | the year ended December 31, 2025 | — |
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| Net charge-offs to average loans and leases | 0.18% | the year ended December 31, 2025 | — |
| Net Interest Margin | 4.29% | the year ended December 31, 2025 | — |
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| Nonperforming loans to loans and leases | 0.36% | as of December 31, 2025 | — |
| Pre-tax, pre-provision net income non-GAAP | $107.7M | the year ended December 31, 2025 | — |
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| 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 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
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/
|
$971.81M | +30.5% | — | 12.0 | 3.0% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
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 | -3.3% | +4.6% | +20.0% | -2.2% | +30.5% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.9% | +1.7% | +8.4% | -5.1% | +17.7% |
Capital returns
Latest dividend
$0.56
/ share · ex Jul 1, 2026
Paid (TTM)
$2.19
/ share · 4 payouts
Dividend yield (TTM, derived)
2.78%
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.