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Upturn AI SWOT - About
THFF 
First Financial Corporation Indiana (THFF)
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Upturn Advisory Summary
04/01/2025: THFF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 6.1% | Avg. Invested days 42 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 576.55M USD | Price to earnings Ratio 12.16 | 1Y Target Price 56.33 |
Price to earnings Ratio 12.16 | 1Y Target Price 56.33 | ||
Volume (30-day avg) 86346 | Beta 0.49 | 52 Weeks Range 33.08 - 53.04 | Updated Date 04/1/2025 |
52 Weeks Range 33.08 - 53.04 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 4.16% | Basic EPS (TTM) 4 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.45% | Operating Margin (TTM) 35.24% |
Management Effectiveness
Return on Assets (TTM) 0.91% | Return on Equity (TTM) 8.78% |
Valuation
Trailing PE 12.16 | Forward PE 8.94 | Enterprise Value 709243904 | Price to Sales(TTM) 2.86 |
Enterprise Value 709243904 | Price to Sales(TTM) 2.86 | ||
Enterprise Value to Revenue 2.78 | Enterprise Value to EBITDA - | Shares Outstanding 11853500 | Shares Floating 11257377 |
Shares Outstanding 11853500 | Shares Floating 11257377 | ||
Percent Insiders 5.03 | Percent Institutions 78.63 |
Analyst Ratings
Rating 3.33 | Target Price 51 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Financial Corporation Indiana
Company Overview
History and Background
First Financial Corporation Indiana was founded in 1834. It has grown through organic expansion and strategic acquisitions to become a leading community bank in Indiana, Illinois, Kentucky, and Tennessee. The company's history is marked by a commitment to local communities and a focus on providing personalized financial services.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Offers consumer loans, deposit accounts, wealth management and other financial services to individuals and families.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and institutions.
Leadership and Structure
Norman L. Lowery is the Chairman, and Archie J. Brown is the President and CEO. The company is structured with various departments responsible for different business segments, all reporting to the executive management team. It operates with a traditional hierarchical structure within each department.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing for business expansion, equipment purchases, and working capital. Market share data is not publicly disclosed, but it operates in a competitive regional market with numerous local and national banks. Competitors include Old National Bancorp (ONB), German American Bancorp (GABC), and larger national banks with a regional presence.
- Residential Mortgages: Offers mortgage loans for home purchases and refinances. Market share data is not publicly disclosed, but it competes with other banks, credit unions, and mortgage companies in its operating region. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Small Business Loans: Provides loans, SBA loan and lines of credit for starting or growing small businesses. Competitors include other local banks, online lenders like Kabbage and Fundbox, and credit unions.
Market Dynamics
Industry Overview
The banking industry is facing increased competition from fintech companies and fluctuating interest rates. Regulatory scrutiny remains high, and cybersecurity threats are a growing concern. Consolidation is ongoing, with larger banks acquiring smaller institutions.
Positioning
First Financial Corporation Indiana positions itself as a community-focused bank with a strong emphasis on customer service and local market knowledge. It differentiates itself through personalized financial solutions and a commitment to supporting local communities.
Total Addressable Market (TAM)
The TAM for community banking in its operating region is estimated to be in the billions of dollars. First Financial Corporation Indiana is positioned to capture a portion of this TAM through its strong local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Conservative lending practices
- Experienced management team
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger national banks
- Potential for higher operating costs due to branch network
Opportunities
- Expansion into new markets within its region
- Increased adoption of digital banking technologies
- Acquisition opportunities of smaller banks
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- ONB
- GABC
- BOH
Competitive Landscape
First Financial Corporation Indiana faces competition from larger national banks and smaller community banks. Its advantages include strong local relationships and personalized service, while its disadvantages include limited scale and geographic reach compared to larger competitors.
Major Acquisitions
Integra Bank Corporation
- Year: 2012
- Acquisition Price (USD millions): 76
- Strategic Rationale: Expanded the company's presence in southern Indiana and Kentucky.
Growth Trajectory and Initiatives
Historical Growth: Replace with historical data not available in real time. Please find updated financials on First Financial Corporation Indiana Investor Relations.
Future Projections: Replace with analyst estimate data not available in real time. Please find updated financials on First Financial Corporation Indiana Investor Relations.
Recent Initiatives: Replace with initiatives data not available in real time. Please find updated financials on First Financial Corporation Indiana Investor Relations.
Summary
First Financial Corporation Indiana is a well-established community bank with a strong local presence. Its strengths lie in customer relationships and conservative lending. However, it faces challenges from larger competitors and the evolving fintech landscape. Continued investment in digital banking and strategic acquisitions are crucial for future growth.
Similar Companies
CFBK
CF Bankshares Inc
CFBK
CF Bankshares Inc
GABC
German American Bancorp Inc
GABC
German American Bancorp Inc
ONB
Old National Bancorp
ONB
Old National Bancorp
WTFC
Wintrust Financial Corporation
WTFC
Wintrust Financial Corporation
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (Replace with actual sources)
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Please perform your own due diligence before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Financial Corporation Indiana
Exchange NASDAQ | Headquaters Terre Haute, IN, United States | ||
IPO Launch date 1992-03-03 | President, CEO & Director Mr. Norman D. Lowery | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 937 | Website https://www.first-online.bank |
Full time employees 937 | Website https://www.first-online.bank | ||
First Financial Corporation, through its subsidiaries, provides various financial products and services in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia. It offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. The company also provides commercial loans primarily to expand a business or finance asset purchases; residential real estate and residential real estate construction loans; and home equity loans and lines, secured loans, and cash/CD secured and unsecured loans. In addition, it offers lease financing, trust account, depositor, investment, and insurance services. The company was founded in 1834 and is headquartered in Terre Haute, Indiana.
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