First Financial (THFF) Stock: Buy, Sell, or Hold?
THFF - First Financial Corporation Common Stock
$74.65
0.66 (0.89%)
▲
5d:
-1.2%
30d:
-5.23%
90d:
-3.08%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Oct 27, 2026
24d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: THFF shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: THFF shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$95.37
Based on 4.8% avg growth
INTRINSIC VALUE TODAY
$59.22
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: THFF is currently trading at $74.65, which is considered oversold relative to its 30-day fair value range of $75.27 to $78.90. The stock's valuation (Forward PE: 9.0) is in line with its historical norms (9.2). Remarkably, the market is currently pricing in an annual earnings decline of 0.8% over the next few years. This pessimistic expectation contrasts with the company's recent 21.9% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, THFF is in a strong uptrend. Immediate support is located at $71.67, while resistance sits at $77.91.
Market Sentiment: THFF scores 12/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $86.00 (+16.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, THFF is in a strong uptrend. Immediate support is located at $71.67, while resistance sits at $77.91.
Market Sentiment: THFF scores 12/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $86.00 (+16.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$75.27 -
$78.90
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
54.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (12/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($86.00)
- WARNING: Composite score 44/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$75.27 -
$78.90
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$71.68
Resistance Level
$77.91
Current Trend
Strong Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.00
Wall Street Target
$86.00
(+16.2%)
Revenue Growth (YoY)
15.5%
Earnings Growth (YoY)
21.9%
Profit Margin
31.6%
Valuation Discount vs History
-0.8% cheaper
PE vs Historical
9.0 vs 9.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.8%
(market-implied from PE analysis)
1-Year Target
$73.40
(-1%)
2-Year Target
$72.81
(-2%)
3-Year Target
$72.23
(-2%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$73.82
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 5.5%)
$196.77
(+166%)
Base:
(SPY PE: 9.0, Growth: 5.5%)
$86.82
(+17%)
Bear:
(PE: 7.7, Growth: 5.5%)
$73.80
(0%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 10.35 | Current EPS (TTM): $7.14
Bull Case
$93.59
(+27%)
Analyst growth 15.1%, PE expands to 11.4
Base Case
$85.08
(+15%)
Market implied 15.1%, PE stable at 10.4
Bear Case
$50.25
(-32%)
Severe decline -20.0%, PE contracts to 8.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.0 to 9.2
Stabilization Target:
$75.62
(+2.2%)
PE Expansion Potential:
+2.2%
Share & Embed Analysis
Last updated: October 02, 2026 11:32 AM ET
Data refreshes hourly during market hours. Next update: 12:32 PM
Data refreshes hourly during market hours. Next update: 12:32 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
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Technical Signals Check
Is THFF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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