THFF Stock Analysis: Buy, Sell, or Hold?
THFF - First Financial Corporation Common Stock
$79.05
-0.02 (-0.03%)
âŧ
5d:
-3.67%
30d:
+3.85%
90d:
+14.02%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Jul 28, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: THFF is fairly priced but lacks strong directional signals. At 3.3% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: THFF is fairly priced but lacks strong directional signals. At 3.3% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$83.60
Based on 3.1% avg growth
INTRINSIC VALUE TODAY
$51.91
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 $79.05, which is considered fair relative to its 30-day fair value range of $77.36 to $82.02. The stock's valuation (Forward PE: 10.1) is in line with its historical norms (9.2). At these levels, the market is pricing in 3.3% 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 currently testing key support at $77.91. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: THFF scores 33/100 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. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, THFF is in a strong uptrend. The price is currently testing key support at $77.91. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: THFF scores 33/100 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. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$77.36 -
$82.02
Company Quality Score
41/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
46.2%
All Signals
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (33/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($84.00)
- NEUTRAL: Market pricing in 3.3% annual earnings growth - fairly valued
- WARNING: Composite score 40/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$77.36 -
$82.02
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$77.91
Resistance Level
$84.17
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.11
Wall Street Target
$84.00
(+6.2%)
Revenue Growth (YoY)
15.5%
Earnings Growth (YoY)
21.9%
Profit Margin
31.6%
Valuation Premium vs History
+3.3% premium
PE vs Historical
10.1 vs 9.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.3%
(market-implied from PE analysis)
1-Year Target
$81.68
(+3%)
2-Year Target
$84.37
(+7%)
3-Year Target
$87.16
(+10%)
3-Yr Target (if PE normalizes)
(PE: 10â9)
PE COMPRESSION
$79.30
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 2.1%)
$167.21
(+112%)
Base:
(SPY PE: 10.1, Growth: 2.1%)
$84.24
(+7%)
Bear:
(PE: 8.6, Growth: 2.1%)
$71.60
(-9%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.44 | Current EPS (TTM): $6.89
Bull Case
$98.41
(+25%)
Analyst growth 13.5%, PE expands to 12.6
Base Case
$89.46
(+13%)
Market implied 13.5%, PE stable at 11.4
Bear Case
$53.60
(-32%)
Severe decline -20.0%, PE contracts to 9.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 2:07 AM ET
Data refreshes hourly during market hours. Next update: 3:07 AM
Data refreshes hourly during market hours. Next update: 3:07 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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