ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Financial Corp. (Indiana) ?
1
High Profitability with a Net Interest Margin of 6.59%
2
The Bank has a high Capital Adequacy Ratio of 14.46% signifying high buffers against its risk based assets
3
The company has declared Positive results for the last 6 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 90.83 MM
- ROCE(HY) Highest at 1.38%
- CREDIT DEPOSIT RATIO(Q) Highest at 0.64%
4
With ROA of 1.01%, it has a fair valuation with a 1.44 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 42.62%, its profits have risen by 67.5% ; the PEG ratio of the company is 0.2
5
High Institutional Holdings at 85.11%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating performance in long term as well as near term
- Along with generating 42.62% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow 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)
42.62%
4.10
27.19%
S&P 500
22.24%
1.67
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.75%
EBIT Growth (5y)
21.04%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
31.27%
Pledged Shares
0
Institutional Holding
85.11%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.44
EV to EBIT
14.13
EV to EBITDA
12.83
EV to Capital Employed
1.29
EV to Sales
4.14
PEG Ratio
0.18
Dividend Yield
2.64%
ROCE (Latest)
9.14%
ROE (Latest)
12.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 90.83 MM
ROCE(HY)
Highest at 1.38%
CREDIT DEPOSIT RATIO(Q)
Highest at 0.64%
NET PROFIT(9M)
Higher at USD 62.02 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-2What is not working for the Company
ROCE(HY)
Lowest at 1.38%
Here's what is working for First Financial Corp. (Indiana)
Credit Deposit Ratio
Highest at 0.64% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net Profit
At USD 62.02 MM has Grown at 42.94%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 90.83 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Profit
Higher at USD 62.02 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Depreciation
At USD 2.83 MM has Grown at inf%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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