First Financial (THFF) Stock: Buy, Sell, or Hold?
THFF - First Financial Corporation Common Stock
$76.23
1.63 (2.19%)
▲
5d:
+3.38%
30d:
+2.32%
90d:
-1.66%
BUY
MODERATE Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 27, 2026
4d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: THFF shows positive signals but monitor for confirmation. Market pricing in 0.6% decline. Moderate conviction.
💡 BUY OPPORTUNITY: THFF shows positive signals but monitor for confirmation. Market pricing in 0.6% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$97.61
Based on 5.2% avg growth
INTRINSIC VALUE TODAY
$60.61
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 $76.22, which is considered slightly high relative to its 30-day fair value range of $73.52 to $76.33. 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 0.6% 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 showing sideways momentum. The price is approaching resistance at $76.72. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: THFF scores 62/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $85.33 (+14.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, THFF is showing sideways momentum. The price is approaching resistance at $76.72. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: THFF scores 62/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $85.33 (+14.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$73.52 -
$76.33
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
73.8%
All Signals
- BULLISH: Strong technical setup (62/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($85.33)
- BULLISH: Bottoming setup score 62/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$73.52 -
$76.33
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$72.05
Resistance Level
$76.72
Current Trend
Sideways
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.04
Wall Street Target
$85.33
(+14.4%)
Revenue Growth (YoY)
15.5%
Earnings Growth (YoY)
21.9%
Profit Margin
31.6%
Valuation Discount vs History
-0.6% cheaper
PE vs Historical
9.0 vs 9.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.6%
(market-implied from PE analysis)
1-Year Target
$74.14
(-1%)
2-Year Target
$73.70
(-1%)
3-Year Target
$73.26
(-2%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$74.59
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 6.3%)
$196.79
(+164%)
Base:
(SPY PE: 9.0, Growth: 6.3%)
$89.53
(+20%)
Bear:
(PE: 7.7, Growth: 6.3%)
$76.10
(+2%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 10.51 | Current EPS (TTM): $7.14
Bull Case
$95.42
(+28%)
Analyst growth 15.6%, PE expands to 11.6
Base Case
$86.75
(+16%)
Market implied 15.6%, PE stable at 10.5
Bear Case
$51.02
(-32%)
Severe decline -20.0%, PE contracts to 8.9
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:
$75.95
(+1.8%)
PE Expansion Potential:
+1.8%
Share & Embed Analysis
Last updated: October 22, 2026 3:03 PM ET
Data refreshes hourly during market hours. Next update: 4:03 PM
Data refreshes hourly during market hours. Next update: 4:03 PM
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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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