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
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 7 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 96.18 MM
- ROCE(HY) Highest at 1.44%
- CREDIT DEPOSIT RATIO(Q) Highest at 0.61%
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 27.35%, its profits have risen by 67.5% ; the PEG ratio of the company is 0.2
5
High Institutional Holdings at 90.61%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 5.5% over the previous quarter.
6
Consistent Returns over the last 3 years
- Along with generating 27.35% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods
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)
27.35%
4.26
25.76%
S&P 500
15.76%
1.20
13.17%
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 Trend15What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 96.18 MM
ROCE(HY)
Highest at 1.44%
CREDIT DEPOSIT RATIO(Q)
Highest at 0.61%
NII(Q)
Highest at USD 61.22 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 84.22 MM
PRE-TAX PROFIT(Q)
Highest at USD 28.04 MM
NET PROFIT(Q)
Highest at USD 22.74 MM
EPS(Q)
Highest at USD 1.91
-3What is not working for the Company
ROCE(HY)
Lowest at 1.44%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 29.28%
Here's what is working for First Financial Corp. (Indiana)
Operating Cash Flow
Highest at USD 96.18 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Highest at 0.61% 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 (%)
NII
Highest at USD 61.22 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 84.22 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 28.04 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 22.74 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.91
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for First Financial Corp. (Indiana)
Dividend Payout Ratio
Lowest at 29.28%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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