THFF Stock Analysis: Buy, Sell, or Hold?
THFF - First Financial Corporation Common Stock
$65.24
-0.89 (-1.35%)
▼
5d:
-3.85%
30d:
-0.97%
90d:
-2.57%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Apr 28, 2026
0d
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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 oversold pricing.
✅ BUY SIGNAL: THFF shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$79.75
Based on 3.7% avg growth
INTRINSIC VALUE TODAY
$49.52
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 8.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: THFF is currently trading at $65.24, which is considered oversold relative to its 30-day fair value range of $65.58 to $67.30. The stock's valuation (Forward PE: 8.6) is in line with its historical norms (8.8). Remarkably, the market is currently pricing in an annual earnings decline of 0.7% over the next few years. This pessimistic expectation contrasts with the company's recent 7.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, THFF is in a uptrend. The price is currently testing key support at $64.70. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $73.00 (+11.9%). 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 currently testing key support at $64.70. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $73.00 (+11.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$65.58 -
$67.30
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($73.00)
Trading Range Analysis
30-Day Trading Range
$65.58 -
$67.30
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$64.70
Resistance Level
$68.39
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.61
Wall Street Target
$73.00
(+11.9%)
Revenue Growth (YoY)
8.4%
Earnings Growth (YoY)
7.2%
Profit Margin
31.2%
Valuation Discount vs History
-0.7% cheaper
PE vs Historical
8.6 vs 8.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.7%
(market-implied from PE analysis)
1-Year Target
$64.78
(-1%)
2-Year Target
$64.33
(-1%)
3-Year Target
$63.88
(-2%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$65.27
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 3.3%)
$184.13
(+182%)
Base:
(SPY PE: 8.6, Growth: 3.3%)
$71.86
(+10%)
Bear:
(PE: 7.3, Growth: 3.3%)
$61.08
(-6%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 9.69 | Current EPS (TTM): $6.80
Bull Case
$80.70
(+24%)
Analyst growth 11.4%, PE expands to 10.7
Base Case
$73.37
(+13%)
Market implied 11.4%, PE stable at 9.7
Bear Case
$44.78
(-31%)
Severe decline -20.0%, PE contracts to 8.2
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 8.6 to 8.8
Stabilization Target:
$66.66
(+2.2%)
PE Expansion Potential:
+2.2%
Share & Embed Analysis
Last updated: May 16, 2026 9:07 AM ET
Data refreshes hourly during market hours. Next update: 10:07 AM
Data refreshes hourly during market hours. Next update: 10:07 AM
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Technical Signals Check
Is THFF showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Susan M Jensen
BUY
28 shares
2025-12-04
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