First Financial Corporation (THFF) earns a Roarable Rating of B (Buy) with 72/100 RQD Confidence. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
FRED Regime × Technicals: 79% of 52W Range • RSI-14 at 54.6 (NEUTRAL RANGE)
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
Even with a 72/100 (B) 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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($76.27) or 200D SMA ($71.27) invalidates the momentum regime and cuts Target Base ($82.38) toward Bear Floor ($63.55).
First Financial Corporation (THFF) advanced +0.87% to $77.50, trading at 79% of its 52-week range ($52.45 – $84.17). High-quality cash engine (steady margins, 12% return on capital) with steady institutional support.
First Financial just posted Q3 2026 results that reinforced its reputation as a quietly efficient regional lender, yet the stock slipped 1.2% to US$76.83 on the first full trading day after the release. The market marked
First Financial Bancorp. (NASDAQ:FFBC) reported record third-quarter earnings and revenue, supported by a higher net interest margin, record fee income and growth in commercial and industrial lending. The company also ou
CINCINNATI (AP) — CINCINNATI (AP) — First Financial Bancorp (FFBC) on Tuesday reported third-quarter net income of $81.The Cincinnati-based bank said it had earnings of 77 cents per share.
First Financial Bancorp. (Nasdaq: FFBC) ("First Financial") is pleased to announce the appointment of Timothy A. Massa as a new director to the Board of Directors for First Financial, effective immediately, following a v
The headline numbers for First Financial (FFBC) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and th
First Financial (FFBC) delivered earnings and revenue surprises of +2.44% and +1.79%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
While the top- and bottom-line numbers for First Financial Corp. (THFF) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to
First Financial Corp. (THFF) delivered earnings and revenue surprises of +15.50% and +2.69%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
(THFF) on Tuesday reported net income of $27.The Terre Haute, Indiana-based bank said it had earnings of $2.
TERRE HAUTE, Ind., Oct. 27, 2026 (GLOBE NEWSWIRE) -- First Financial Corporation (NASDAQ:THFF) today announced results for the third quarter of 2026. Net income was $27.4 million compared to $20.8 million reported for th
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on THFF today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for THFF. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, First Financial Corporation (THFF) ranks #99 by composite RQD confidence (72/100, grade B) 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. THFF currently leads its immediate peer cohort in composite quantitative strength at 72/100 (B).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| THFF
ACTIVE
First Financial Corporation | B | 72/100 | 11.6x | — | 12.2% | +0.87% | $921.6M | Benchmark Subject |
| FMNB Farmers National Banc Corp. | C- | 61/100 | 17.1x | — | 11.2% | +1.87% | $934.3M | /fmnb-vs-thff → |
| FRBT Forbright Inc. (Class A) | D+ | 56/100 | — | — | — | +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 | D+ | 55/100 | 15.8x | — | 8.9% | +0.30% | $968.4M | /trst-vs-thff → |
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 | — | — |
As of 2026-11-01, First Financial Corporation (NASDAQ: THFF) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 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 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, THFF ranks #99 in composite RQD confidence.
Within the Financials sector (Major Banks), THFF carries a Roarable B (72/100 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 (61/100 RQD, P/E 17.1x, ROIC 11.2%, cap $934.3M) and FRBT (Forbright Inc. (Class A)) posts a D+ grade (56/100 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).
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.
THFF last traded at $77.50 (+0.87% on volume of 114,871 shares), positioning the stock +1.61% above its 50-day simple moving average ($76.27) and +8.74% above its 200-day simple moving average ($71.27). Across its 52-week range of $52.45 to $84.17, THFF sits at the 79.0% percentile with a 14-day RSI of 54.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.2% ($74.25 to $80.75).
Why THFF Stock advanced +0.87% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support.
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