Stock Ratings / Financials / THFF / financials

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First Financial Corporation (THFF) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$77.50 +0.87% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $77.47

First Financial Corporation (THFF) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $921.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on THFF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is THFF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, First Financial Corporation (NASDAQ: THFF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $77.50 (+0.87% 1D, market cap $921.6M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, THFF ranks #189 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does THFF compare to FMNB and FRBT in the Financials sector?

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Within the Financials sector (Major Banks), THFF carries a Roarable C+ (68/100 RQD), trailing P/E of 11.6x, gross margin of —, and ROIC of 12.2%. By comparison, FMNB (Farmers National Banc Corp.) holds a C+ grade (67/100 RQD, P/E 17.1x, ROIC 11.2%, cap $934.3M) and FRBT (Forbright Inc. (Class A)) posts a D grade (50/100 RQD, P/E N/A, ROIC —, cap $935.6M). Among the 5-stock peer group, THFF leads on earnings multiple (11.6x) while THFF leads on capital efficiency (12.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for THFF?

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Per THFF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000714562), First Financial Corporation generated $0 in revenue, $79.2M in net income, and $86.4M in free cash flow against $5.76B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $77.48 (-0.03%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 2.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for THFF)Realized 20D OHLCV Swing Band: ±4.2%

Deterministic 5-Pillar Attribution (68/100 Composite)

🔍 WHY THFF SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (19% of score)

SEC XBRL FY 2025 (10-K): 2.2% FCF Margin ($86.4M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (58.9) create a -8 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$73.63+0.5% Next Q

Q2 (-2Q)

Grade C+$73.98+3.4% Next Q

Q3 (-1Q)

Grade C+$76.46+1.4% Next Q

Current

Grade C+$77.50+1.8% Hist 90D α

Trajectory: C (60) → C+ (68)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the THFF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, THFF faces multiple-compression risk if 11.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($76.24) or 200D SMA ($71.34) invalidates the momentum regime and cuts Target Base ($80.99) toward Bear Floor ($63.17).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $THFF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “THFF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 68%NO 32%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How THFF Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$86.4M (2.2% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$79.2M	$86.4M	12.2%
FY 2024	$4.00B	52%	0%	$47.3M	$54.3M	12.2%
FY 2023	$4.00B	52%	0%	$60.7M	$86.1M	12.2%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring THFF)

✓Walkthrough of THFF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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THFF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.36%⚡ TESTING RESISTANCE

2026-11-02O $76.83H $77.50L $76.83C $77.50VOL 114.9K

RES: $78.55SUP: $70.75SMA50: $76.24SMA200: $71.34

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

THFF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 THFF Butterfly Map → + Track THFF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

1.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on THFF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for THFF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for THFF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (THFF)

Financials Rank #189 of 1096 ⚔️ FMNB vs THFF Full Matrix →

1. Head-to-Head Financials Peer Comparison (THFF vs. FMNB, FRBT, GSBC, TRST)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First Financial Corporation (THFF) ranks #189 by composite RQD confidence (68/100, grade C+) and #571 by equity capitalization ($921.6M). Within this direct 5-issuer industry benchmark cohort, THFF leads on earnings valuation at 11.6x trailing P/E, while THFF leads on capital efficiency and profitability with 12.2% ROIC and — gross margin. GSBC currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with THFF at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
THFF ACTIVE First Financial Corporation	C+	68/100	11.6x	—	12.2%	+0.87%	$921.6M	Benchmark Subject
FMNB Farmers National Banc Corp.	C+	67/100	17.1x	—	11.2%	+1.87%	$934.3M	/fmnb-vs-thff →
FRBT Forbright Inc. (Class A)	D	50/100	—	—	—	+6.90%	$935.6M	/frbt-vs-thff →
GSBC Great Southern Bancorp Inc.	B	72/100	12.4x	—	11.2%	+0.63%	$881.9M	/gsbc-vs-thff →
TRST TrustCo Bank Corp NY	C	62/100	15.8x	—	8.9%	+0.30%	$968.4M	/trst-vs-thff →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000714562

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Financial Corporation (THFF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $79.2M, operating cash flow of $90.4M, and free cash flow of $86.4M (+59.3% YoY). On the balance sheet, THFF closed FY2025 with $5.76B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$79.2M	$90.4M	$86.4M	$5.76B	—
FY2024 (FY)	2024-12-31	$0	$47.3M	$60.4M	$54.3M	$5.56B	—
FY2023 (FY)	2023-12-31	$0	$60.7M	$86.1M	$86.1M	—	—

3. THFF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is THFF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does THFF compare to FMNB and FRBT in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for THFF?

Where is THFF trading relative to its 50-day, 200-day, and 52-week technical levels?

THFF last traded at $77.50 (+0.87% on volume of 114,871 shares), positioning the stock +1.65% above its 50-day simple moving average ($76.24) and +8.63% above its 200-day simple moving average ($71.34). Across its 52-week range of $52.45 to $84.17, THFF sits at the 79.0% percentile with a 14-day RSI of 58.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.2% ($74.25 to $80.75).

THFF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is First Financial Corporation (THFF)?

In FY 2025 (10-K), THFF converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $86.4M in free cash flow (2.2% FCF margin).

Direct Sub-Reports: THFF RQD Cockpit THFF 12M Forecast THFF Earnings & Move THFF Dividends & DRIP THFF Insiders & 13F THFF Whale Options THFF Profit Sankey THFF News & Why