THFF Stock Analysis: Buy, Sell, or Hold?
THFF - First Financial Corporation Common Stock
$63.20
0.56 (0.89%)
▲
5d:
+1.33%
30d:
-2.47%
90d:
+2.58%
BUY
HIGH Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 28, 2026
26d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: THFF shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: THFF shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$78.17
Based on 3.6% avg growth
INTRINSIC VALUE TODAY
$48.54
Trading above fair value
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 8.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: THFF is currently trading at $63.20, which is considered fair relative to its 30-day fair value range of $61.13 to $64.54. The stock's valuation (Forward PE: 8.5) is in line with its historical norms (8.8). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 31.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, THFF is in a uptrend. The price is approaching resistance at $63.94. 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 (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $71.50 (+13.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, THFF is in a uptrend. The price is approaching resistance at $63.94. 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 (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $71.50 (+13.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$61.13 -
$64.54
Company Quality Score
60/100
(BUY)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
78.8%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($71.50)
Fair Price Analysis
30-Day Fair Range
$61.13 -
$64.54
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$2.58
(4.1%)
Support & Resistance Levels
Support Level
$59.59
Resistance Level
$63.94
Current Trend
Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.49
Wall Street Target
$71.50
(+13.1%)
Revenue Growth (YoY)
4.8%
Earnings Growth (YoY)
31.6%
Profit Margin
31.2%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
8.5 vs 8.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$62.50
(-1%)
2-Year Target
$61.82
(-2%)
3-Year Target
$61.14
(-3%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$63.36
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 3.2%)
$183.03
(+190%)
Base:
(SPY PE: 8.5, Growth: 3.2%)
$69.54
(+10%)
Bear:
(PE: 7.2, Growth: 3.2%)
$59.11
(-7%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 9.06 | Current EPS (TTM): $6.68
Bull Case
$74.14
(+18%)
Analyst growth 11.4%, PE expands to 10.0
Base Case
$67.40
(+8%)
Market implied 11.4%, PE stable at 9.1
Bear Case
$41.13
(-34%)
Severe decline -20.0%, PE contracts to 7.7
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 8.5 to 8.8
Stabilization Target:
$65.50
(+3.6%)
PE Expansion Potential:
+3.6%
Share & Embed Analysis
Last updated: March 31, 2026 9:26 PM ET
Data refreshes hourly during market hours. Next update: 10:26 PM
Data refreshes hourly during market hours. Next update: 10:26 PM
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| Ticker | Score | Recommendation | Change % |
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Technical Signals Check
Is THFF showing a specific setup today?
Insider Activity (6 Months)
2
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Susan M Jensen
BUY
28 shares
2025-12-04
James O Mcdonald
BUY
2295 shares
2025-10-13
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