THFF Stock Analysis: Buy, Sell, or Hold?
THFF - First Financial Corporation Common Stock
$80.55
-0.29 (-0.36%)
▼
5d:
+3.92%
30d:
+3.03%
90d:
+22.66%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 28, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: THFF trades at premium valuation expecting 5.0% growth. Hold existing positions but don't chase. Wait for better entry.
📊 HOLD: THFF trades at premium valuation expecting 5.0% growth. Hold existing positions but don't chase. Wait for better entry.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$82.46
Based on 3.4% avg growth
INTRINSIC VALUE TODAY
$51.20
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 9.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: THFF is currently trading at $80.55, which is considered extended relative to its 30-day fair value range of $75.39 to $78.70. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.5) compared to its historical average (9.1). At these levels, the market is pricing in 5.0% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, THFF is in a strong uptrend. The price is approaching resistance at $82.03. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: THFF has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, THFF is in a strong uptrend. The price is approaching resistance at $82.03. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: THFF has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$75.39 -
$78.70
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
56.2%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($77.00)
- NEUTRAL: Trading at premium valuation - market expects 5.0% growth which is achievable
Trading Range Analysis
30-Day Trading Range
$75.39 -
$78.70
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$74.02
Resistance Level
$82.03
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.51
Wall Street Target
$77.00
(-4.4%)
Revenue Growth (YoY)
16.6%
Earnings Growth (YoY)
21.8%
Profit Margin
31.6%
Valuation Premium vs History
+5.0% premium
PE vs Historical
10.5 vs 9.1
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+5.0%
(market-implied from PE analysis)
1-Year Target
$84.58
(+5%)
2-Year Target
$88.81
(+10%)
3-Year Target
$93.25
(+16%)
3-Yr Target (if PE normalizes)
(PE: 11→9)
PE COMPRESSION
$80.76
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 2.8%)
$172.86
(+115%)
Base:
(SPY PE: 10.5, Growth: 2.8%)
$87.61
(+9%)
Bear:
(PE: 8.9, Growth: 2.8%)
$74.47
(-8%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.13 | Current EPS (TTM): $7.26
Bull Case
$93.91
(+17%)
Analyst growth 5.6%, PE expands to 12.3
Base Case
$85.37
(+6%)
Market implied 5.6%, PE stable at 11.1
Bear Case
$54.97
(-32%)
Severe decline -20.0%, PE contracts to 9.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 02, 2026 11:20 PM ET
Data refreshes hourly during market hours. Next update: 12:20 AM
Data refreshes hourly during market hours. Next update: 12:20 AM
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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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