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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Inter & Co., Inc.

Banco Latinoamericano de Comercio Exterior SA

Old Second Bancorp, Inc.

First Financial Corp. (Indiana)

Stellar Bancorp, Inc.

Amerant Bancorp, Inc.

Nicolet Bankshares, Inc.

QCR Holdings, Inc.

Farmers National Banc Corp.

Hope Bancorp, Inc.

The First Bancshares, Inc. (Mississippi)

Why is First Financial Corp. (Indiana) ?

High Profitability with a Net Interest Margin of 6.30%

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

Positive results in Dec 25

NII(Q) Highest at USD 60.62 MM
ROCE(HY) Highest at 1.49%
NET PROFIT(Q) Highest at USD 26.36 MM

With ROA of 1.06%, it has a attractive valuation with a 1.43 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 21.42%, its profits have risen by 77.9% ; the PEG ratio of the company is 0.2

High Institutional Holdings at 85.77%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 2.32% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

First Financial Corp. (Indiana)

21.42%

2.39

29.41%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

6.88%

EBIT Growth (5y)

19.16%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

31.29%

Pledged Shares

Institutional Holding

85.77%

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

1.43

EV to EBIT

14.06

EV to EBITDA

12.77

EV to Capital Employed

1.28

EV to Sales

5.63

PEG Ratio

0.16

Dividend Yield

2.66%

ROCE (Latest)

9.12%

ROE (Latest)

11.37%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Bullish

OBV

Mildly Bearish

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

19What is working for the Company

NII(Q)

Highest at USD 60.62 MM

ROCE(HY)

Highest at 1.49%

NET PROFIT(Q)

Highest at USD 26.36 MM

CREDIT DEPOSIT RATIO(Q)

Highest at 0.36%

OPERATING PROFIT(Q)

Highest at USD 26.36 MM

PRE-TAX PROFIT(Q)

Highest at USD 26.36 MM

EPS(Q)

Highest at USD 1.81

-11What is not working for the Company

NET SALES(HY)

At USD 76.64 MM has Grown at -46.98%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 30.97%

ROCE(HY)

Lowest at 1.49%

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

NII

Highest at USD 60.62 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 Profit

Highest at USD 26.36 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Credit Deposit Ratio

Highest at 0.36% 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 (%)

Operating Profit

Highest at USD 26.36 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 26.36 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 26.36 MM has Grown at 62.29%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.81

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

CASA

Highest at 13.21%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

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

Net Sales

At USD 76.64 MM has Grown at -46.98%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very negative

Net Sales (USD MM)

Dividend Payout Ratio

Lowest at 30.97% and Fallen

In each year in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)