First Financial Corp. (Indiana) (THFF) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

First Financial Corp. (Indiana)

Banco Latinoamericano de Comercio Exterior SA

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Hope Bancorp, Inc.

Stellar Bancorp, Inc.

The First Bancshares, Inc. (Mississippi)

Old Second Bancorp, Inc.

Why is First Financial Corp. (Indiana) ?

High Profitability with a Net Interest Margin of 5.78%

The Bank has a high Capital Adequacy Ratio of 14.46% signifying high buffers against its risk based assets

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25

The company has declared positive results for the last 2 consecutive quarters
GROSS NPA (%)(Q) Lowest at 0.25%
NII(Q) Highest at USD 52.67 MM
NET SALES(Q) Highest at USD 74.18 MM

With ROA of 0.82%, it has a fair valuation with a 1.36 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 33.17%, its profits have fallen by -1.6%

Market Beating Performance

The stock has generated a return of 33.17% in the last 1 year, much higher than market (S&P 500) returns of 15.98%

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to First Financial Corp. (Indiana) should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First Financial Corp. (Indiana) for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

First Financial Corp. (Indiana)

-100.0%

2.62

28.89%

S&P 500

15.4%

0.81

19.85%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.23%

EBIT Growth (5y)

2.32%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

46.47%

Pledged Shares

Institutional Holding

83.45%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.36

EV to EBIT

16.67

EV to EBITDA

13.83

EV to Capital Employed

1.28

EV to Sales

3.37

PEG Ratio

Dividend Yield

0.77%

ROCE (Latest)

7.70%

ROE (Latest)

9.57%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

20What is working for the Company

GROSS NPA (%)

NII(Q)

Highest at USD 52.67 MM

NET SALES(Q)

Highest at USD 74.18 MM

CREDIT DEPOSIT RATIO(Q)

Highest at 0.25%

PRE-TAX PROFIT(Q)

At USD 22.83 MM has Grown at 68.06%

NET PROFIT(Q)

Highest at USD 18.59 MM

EPS(Q)

Highest at USD 1.57

-1What is not working for the Company

DIVIDEND PAYOUT RATIO(Y)

Lowest at 32.52%

Here's what is working for First Financial Corp. (Indiana)

Non Performing Loans (%)

Lowest at 0.25% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 52.67 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 74.18 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Credit Deposit Ratio

Highest at 0.25% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Pre-Tax Profit

At USD 22.83 MM has Grown at 68.06%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 18.59 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 18.59 MM has Grown at 63.48%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.57

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for First Financial Corp. (Indiana)

Dividend Payout Ratio

Lowest at 32.52%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)