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First Financial Corporation (THFF) Fair Value & Analysis

Financial Services · US · Market cap $893M

Price$76.12
Fair Value$86.59
Upside+13.8%
Quality95/100
Evidence: High Range $64.94 – $108.24

Fair value as of: Jun 25, 2026

Analysis

First Financial Corporation (THFF) currently trades at $76.12, while our model-based Fair Value estimate is $86.59 — implying the stock looks roughly 13.8% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

First Financial Corporation operates as the bank holding company for First Financial Bank N.A. that provides various financial services for individuals and businesses in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia in the United States. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits; checking and savings accounts; personal and business certificates of deposit; and digital banking services. It also provides commercial loans primarily to expand a business or finance asset purchases; real estate mortgages, including residential real estate and residential real estate construction loans; home equity loans and lines, secured loans, cash/CD secured loans, and unsecured loans; mortgage refinance; personal and auto loans; and credit cards. In addition, the company offers lease financing, trust account, and depositor services; business services, including acc…

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Frequently asked questions

Is First Financial Corporation (THFF) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $86.59 versus a price of $76.12 — about +14% (undervalued). Model-based estimate, not financial advice.
What is the fair value of THFF?
Our 21-model fair value for First Financial Corporation is $86.59 (as of Jun 25, 2026), built from audited fundamentals. The current price is $76.12.
What is the quality score of THFF?
First Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.