First Financial (THFF) Achieves 30.2% Net Profit Margin, Strengthening Value Proposition
Revenue and Earnings Forecast: First Financial (THFF) anticipates a revenue growth of 5.1% annually, significantly lower than the US market's 10.2%, with EPS expected to rise by only 0.5% compared to the market's 15.6%.
Profit Margin Improvement: The company's net profit margin has increased to 30.2% from 22.9% last year, reflecting a substantial rise in profitability, with a notable one-year earnings growth of 70.3%.
Valuation and Investment Potential: With a current share price of $53.45, significantly below its estimated fair value of $123.17 and a low P/E ratio of 8.6x, First Financial is viewed as a potentially attractive value investment despite slower growth projections.
Dividend Sustainability Concerns: While the recent profit surge is encouraging, there are concerns regarding the sustainability of its dividend payments, as strong short-term earnings do not guarantee future payouts, prompting caution among long-term investors.
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First Financial Reports Q4 Earnings Results
- Earnings Highlights: First Financial reported a GAAP EPS of $1.81 for Q4, indicating stable profitability despite market fluctuations, which is crucial for investor confidence.
- Revenue Performance: The company achieved revenue of $102 million in Q4, demonstrating its ability to maintain solid income levels in the current economic environment, reflecting business resilience.
- Historical Data Reference: First Financial's historical earnings data provides investors with essential insights for assessing long-term financial health and future growth potential, aiding in informed decision-making.
- Dividend Scorecard: The dividend scorecard for First Financial underscores its commitment to shareholder returns, further enhancing investor confidence in the company's future performance.
First Financial Corporation Reports Significant Growth in Q4 2025 Earnings
- Net Income Growth: In Q4 2025, net income reached $21.5 million, a 32.7% increase from $16.2 million in Q4 2024, demonstrating the company's strong market performance and reinforcing its financial stability.
- Earnings Per Share Increase: Diluted earnings per share rose to $1.81, up 32.1% from $1.37 in the same quarter of 2024, reflecting improved profitability and providing higher returns for shareholders.
- Loan Portfolio Expansion: As of December 31, 2025, total loans outstanding reached $4.06 billion, a 5.69% increase from $3.84 billion in 2024, marking a continued expansion in the lending business and enhancing market competitiveness.
- Record Net Interest Income: The net interest income for Q4 2025 was a record $60.6 million, up 22.2% from $49.6 million in Q4 2024, indicating robust growth in interest income and laying a solid foundation for future business development.
First Financial Corporation Declares $0.56 Dividend Payable January 15, 2026
- Dividend Declaration: The board of First Financial Corporation has declared a dividend of $0.56 per share, payable on January 15, 2026, demonstrating the company's ongoing commitment to shareholder returns.
- Record Date for Shareholders: The dividend will be paid to shareholders of record as of January 2, 2026, ensuring eligible shareholders receive their earnings promptly, which enhances investor confidence.
- Business Coverage: As the holding company for First Financial Bank N.A. operating in Indiana, Illinois, Kentucky, Tennessee, and Georgia, the stable dividend policy further solidifies the company's market position across multiple states.
- Signal of Financial Health: This dividend announcement reflects the company's robust financial condition and profitability, potentially attracting more investor interest and enhancing the stock's market performance.
First Financial Corporation Declares $0.56 Dividend Payable January 15, 2026
- Dividend Declaration: The board of First Financial Corporation has declared a dividend of $0.56 per share, payable on January 15, 2026, which is expected to attract more investor interest and enhance the company's market appeal.
- Shareholder Returns: This dividend payment will benefit shareholders of record as of January 2, 2026, indicating the company's commitment to shareholder returns, which may boost investor confidence and stabilize the stock price.
- Regional Business Coverage: As the holding company for First Financial Bank, the corporation operates in Indiana, Illinois, Kentucky, Tennessee, and Georgia, demonstrating its market penetration across multiple states.
- Future Outlook: By maintaining consistent dividend payments, First Financial Corporation not only showcases its stable financial condition but also potentially attracts more long-term investors, thereby laying a foundation for future growth.
Top Value Stock to Consider Purchasing on November 21st
SB Financial Group: This financial service holding company has a Zacks Rank #1 (Strong Buy) and a low P/E ratio of 8.47, with a 5.4% increase in current year earnings estimates over the last 60 days.
First Financial Corporation Indiana: Also holding a Zacks Rank #1, this multi-bank holding company has a P/E ratio of 8.48 and a 3.9% increase in current year earnings estimates in the past 60 days.
Teradata: This company, which provides a hybrid cloud analytics platform, has a Zacks Rank #1 and a P/E ratio of 11.30, with a notable 7.8% increase in current year earnings estimates recently.
Investment Opportunity: The article highlights these stocks as potential high-growth investments, with previous recommendations yielding significant returns, and encourages readers to explore more top-ranked stocks.
Top Strong Buy Stocks to Consider on Nov. 21: TDC, SBFG, and Others
Zacks Rank #1 Stocks: Five stocks have been added to the Zacks Rank #1 (Strong Buy) List, including Teradata, SB Financial Group, Farmers & Merchants Bancorp, First Financial Corporation Indiana, and Alpine Income Property Trust, all showing positive earnings estimate revisions over the past 60 days.
Earnings Growth: Each of the highlighted companies has experienced an increase in the Zacks Consensus Estimate for their current year earnings, ranging from 2.3% to 7.8%.
Investment Potential: These stocks are considered strong investment opportunities, with past recommendations from Zacks having achieved significant returns, including gains of +112% to +232%.
Access to Recommendations: Investors can access the complete list of Zacks' top stock picks and download a report on the "7 Best Stocks for the Next 30 Days" for free.
First Financial Reports Q4 Earnings Results
- Earnings Highlights: First Financial reported a GAAP EPS of $1.81 for Q4, indicating stable profitability despite market fluctuations, which is crucial for investor confidence.
- Revenue Performance: The company achieved revenue of $102 million in Q4, demonstrating its ability to maintain solid income levels in the current economic environment, reflecting business resilience.
- Historical Data Reference: First Financial's historical earnings data provides investors with essential insights for assessing long-term financial health and future growth potential, aiding in informed decision-making.
- Dividend Scorecard: The dividend scorecard for First Financial underscores its commitment to shareholder returns, further enhancing investor confidence in the company's future performance.
First Financial Corporation Reports Significant Growth in Q4 2025 Earnings
- Net Income Growth: In Q4 2025, net income reached $21.5 million, a 32.7% increase from $16.2 million in Q4 2024, demonstrating the company's strong market performance and reinforcing its financial stability.
- Earnings Per Share Increase: Diluted earnings per share rose to $1.81, up 32.1% from $1.37 in the same quarter of 2024, reflecting improved profitability and providing higher returns for shareholders.
- Loan Portfolio Expansion: As of December 31, 2025, total loans outstanding reached $4.06 billion, a 5.69% increase from $3.84 billion in 2024, marking a continued expansion in the lending business and enhancing market competitiveness.
- Record Net Interest Income: The net interest income for Q4 2025 was a record $60.6 million, up 22.2% from $49.6 million in Q4 2024, indicating robust growth in interest income and laying a solid foundation for future business development.
First Financial Corporation Declares $0.56 Dividend Payable January 15, 2026
- Dividend Declaration: The board of First Financial Corporation has declared a dividend of $0.56 per share, payable on January 15, 2026, demonstrating the company's ongoing commitment to shareholder returns.
- Record Date for Shareholders: The dividend will be paid to shareholders of record as of January 2, 2026, ensuring eligible shareholders receive their earnings promptly, which enhances investor confidence.
- Business Coverage: As the holding company for First Financial Bank N.A. operating in Indiana, Illinois, Kentucky, Tennessee, and Georgia, the stable dividend policy further solidifies the company's market position across multiple states.
- Signal of Financial Health: This dividend announcement reflects the company's robust financial condition and profitability, potentially attracting more investor interest and enhancing the stock's market performance.
First Financial Corporation Declares $0.56 Dividend Payable January 15, 2026
- Dividend Declaration: The board of First Financial Corporation has declared a dividend of $0.56 per share, payable on January 15, 2026, which is expected to attract more investor interest and enhance the company's market appeal.
- Shareholder Returns: This dividend payment will benefit shareholders of record as of January 2, 2026, indicating the company's commitment to shareholder returns, which may boost investor confidence and stabilize the stock price.
- Regional Business Coverage: As the holding company for First Financial Bank, the corporation operates in Indiana, Illinois, Kentucky, Tennessee, and Georgia, demonstrating its market penetration across multiple states.
- Future Outlook: By maintaining consistent dividend payments, First Financial Corporation not only showcases its stable financial condition but also potentially attracts more long-term investors, thereby laying a foundation for future growth.
Top Value Stock to Consider Purchasing on November 21st
SB Financial Group: This financial service holding company has a Zacks Rank #1 (Strong Buy) and a low P/E ratio of 8.47, with a 5.4% increase in current year earnings estimates over the last 60 days.
First Financial Corporation Indiana: Also holding a Zacks Rank #1, this multi-bank holding company has a P/E ratio of 8.48 and a 3.9% increase in current year earnings estimates in the past 60 days.
Teradata: This company, which provides a hybrid cloud analytics platform, has a Zacks Rank #1 and a P/E ratio of 11.30, with a notable 7.8% increase in current year earnings estimates recently.
Investment Opportunity: The article highlights these stocks as potential high-growth investments, with previous recommendations yielding significant returns, and encourages readers to explore more top-ranked stocks.
Top Strong Buy Stocks to Consider on Nov. 21: TDC, SBFG, and Others
Zacks Rank #1 Stocks: Five stocks have been added to the Zacks Rank #1 (Strong Buy) List, including Teradata, SB Financial Group, Farmers & Merchants Bancorp, First Financial Corporation Indiana, and Alpine Income Property Trust, all showing positive earnings estimate revisions over the past 60 days.
Earnings Growth: Each of the highlighted companies has experienced an increase in the Zacks Consensus Estimate for their current year earnings, ranging from 2.3% to 7.8%.
Investment Potential: These stocks are considered strong investment opportunities, with past recommendations from Zacks having achieved significant returns, including gains of +112% to +232%.
Access to Recommendations: Investors can access the complete list of Zacks' top stock picks and download a report on the "7 Best Stocks for the Next 30 Days" for free.
