First Financial (THFF) Stock: Buy, Sell, or Hold?
THFF - First Financial Corporation Common Stock
$77.84
0.04 (0.05%)
▲
5d:
-1.09%
30d:
-4.54%
90d:
+5.17%
BUY
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 27, 2026
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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 0.9% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: THFF shows positive signals but monitor for confirmation. Market pricing in 0.9% annual growth which appears achievable. Moderate conviction.
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 $77.84, which is considered oversold relative to its 30-day fair value range of $78.21 to $81.59. The stock's valuation (Forward PE: 9.5) is in line with its historical norms (9.2). At these levels, the market is pricing in 0.9% 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. Immediate support is located at $74.79, while resistance sits at $80.85.
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 $86.00 (+10.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, THFF is in a strong uptrend. Immediate support is located at $74.79, while resistance sits at $80.85.
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 $86.00 (+10.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$78.21 -
$81.59
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
89.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (62/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($86.00)
- NEUTRAL: Market pricing in 0.9% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 62/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$78.21 -
$81.59
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$74.79
Resistance Level
$80.85
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.47
Wall Street Target
$86.00
(+10.5%)
Revenue Growth (YoY)
15.5%
Earnings Growth (YoY)
21.9%
Profit Margin
31.6%
Valuation Premium vs History
+0.9% premium
PE vs Historical
9.5 vs 9.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.9%
(market-implied from PE analysis)
1-Year Target
$78.54
(+1%)
2-Year Target
$79.25
(+2%)
3-Year Target
$79.96
(+3%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$77.68
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 5.5%)
$194.55
(+150%)
Base:
(SPY PE: 9.5, Growth: 5.5%)
$91.34
(+17%)
Bear:
(PE: 8.0, Growth: 5.5%)
$77.64
(0%)
📈
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: 10.82 | Current EPS (TTM): $7.19
Bull Case
$97.84
(+26%)
Analyst growth 14.3%, PE expands to 11.9
Base Case
$88.95
(+14%)
Market implied 14.3%, PE stable at 10.8
Bear Case
$52.90
(-32%)
Severe decline -20.0%, PE contracts to 9.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 2:30 AM ET
Data refreshes hourly during market hours. Next update: 3:30 AM
Data refreshes hourly during market hours. Next update: 3:30 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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