What is the 13F Pro Quality Score for THFF?

13F Pro ranks FIRST FINANCIAL CORP /IN/ (THFF) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View THFF's current score at https://13fpro.ai/company/THFF (free sign-up required for the full ranking).

Which hedge funds own the most THFF stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of THFF include BlackRock,, DIMENSIONAL FUND ADVISORS, FIRST FINANCIAL /IN/. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/THFF as soon as new 13F filings post.

Where does 13F Pro source THFF data?

All FIRST FINANCIAL CORP /IN/ fundamentals and ownership data come directly from SEC EDGAR. FIRST FINANCIAL CORP /IN/ files with the SEC under CIK 714562. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is THFF in?

FIRST FINANCIAL CORP /IN/ (THFF) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives THFF's revenue?

Per FIRST FINANCIAL CORP /IN/'s latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Net Interest Income ($61.2M, +16% YoY); Non-Interest Income ($10.6M, +3% YoY); Service charges on deposits and debit card fee income ($8.2M, +9% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/THFF.

What are THFF's largest expenses?

FIRST FINANCIAL CORP /IN/'s latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($21.3M, +8% YoY); Other non-interest expense ($12.6M, +17% YoY); Equipment expense ($5.3M, +15% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is THFF research updated on 13F Pro?

THFF's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FIRST FINANCIAL CORP /IN/(THFF)Stock Analysis

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13F Pro Quality Score

64.9/100

Rank #520 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

74.9/100

Profitability

92.9/100

Balance Sheet

48.8/100

Earnings Quality

44.9/100

Free Cash Flow

86.9/100

Institutional Flow

42.5/100

Revenue Scale

28.1/100

Dilution Risk

94.7/100

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Why THFF Scores 65/100

exact factor attribution · 2026-09-11

THFF's composite is driven by profitability and revenue growth, held back by scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.6 pts

93th pct

Revenue growth

+6.6 pts

75th pct

Free cash flow

+5.5 pts

87th pct

Shareholder dilution

+3.0 pts

95th pct

Earnings growth

+1.8 pts

77th pct

Capital efficiency

-0.2 pts

49th pct

Institutional flow

-0.5 pts

43th pct

Earnings quality

-0.5 pts

45th pct

Scale

-4.4 pts

28th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

THFF Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for FIRST FINANCIAL CORP /IN/ (THFF), a Financials sector company. 13F Pro's AI-powered ranking engine scores THFF at 64.9/100 on a 32-signal composite quality model, placing it at rank #520 of 2,961 stocks — the top 25% of the AI-ranked universe. THFF scores in the top quartile across profitability (92.9), free cash flow (86.9). Areas of concern include revenue scale (28.1), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), FIRST FINANCIAL CORP /IN/ reports quarterly revenue of $71.9M, net income of $22.7M, an operating margin of 39.0%. Top institutional holders of THFF by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, FIRST FINANCIAL, based on the most recent SEC filings. THFF trades on the Nasdaq exchange and files with the SEC under CIK 714562. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate THFF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FIRST FINANCIAL CORP /IN/ directly from SEC EDGAR. FIRST FINANCIAL CORP /IN/'s 13F Pro composite quality score has ranged between 37 and 66 since 2026, currently 64.9 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

What's Driving THFF's Business? Latest 10-Q Breakdown

AI-extracted from FIRST FINANCIAL CORP /IN/'s 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

First Financial's Q2 2026 net income rose 22% YoY to $22.7M as net interest margin expanded to 4.33% and the CedarStone acquisition boosted loan growth, though non-performing loans jumped 176% YoY to $27.1M.

Biggest Revenue Drivers

Net Interest Income$61.2M+16% YoY

Driven by loan growth from the CedarStone acquisition and margin expansion, as net interest margin rose to 4.33% from 4.15%.

Non-Interest Income$10.6M+3% YoY

Growth led by higher service charges and debit card fee income on deposit accounts.

Biggest Revenue Drivers

Net Interest Income$61.2M+16% YoY

Driven by loan growth from the CedarStone acquisition and margin expansion, as net interest margin rose to 4.33% from 4.15%.

Non-Interest Income$10.6M+3% YoY

Growth led by higher service charges and debit card fee income on deposit accounts.

Within Non-Interest Income

Service charges on deposits and debit card fee income$8.2M+9% YoY

Largest Expense Items

Salaries and employee benefits$21.3M+8% YoY

Increase reflects additional operating costs from the CedarStone Financial acquisition.

Other non-interest expense$12.6M+17% YoY

Equipment expense$5.3M+15% YoY

Occupancy expense$2.7M+10% YoY

Margins: Net interest margin expanded to 4.33% in Q2 2026 from 4.15% a year earlier, a 4.32% increase; the filing attributes the improved yield on average earning assets primarily to higher yields on investments.

Watch Items from the Filing

Non-performing loans increased 176.3% YoY to $27.1 million at June 30, 2026, though allowance coverage of non-performing loans improved to 188.2% from 167.9% at December 31, 2025.
Gross unrealized losses on available-for-sale securities were $118.8 million at June 30, 2026, which management attributes to rate movements rather than issuer creditworthiness.
The March 1, 2026 acquisition of CedarStone Financial added $292 million in loans and $313 million in deposits, contributing to $413 million of year-to-date loan growth.
The qualitative component of the allowance for credit losses increased $1.8 million to $15.9 million, reflecting management's overlay for economic uncertainty.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$71.9M

Net Income

Q2 2026

$22.7M

Free Cash Flow

Q2 2026

$16.8M

Operating Margin

Q2 2026

39.0%

ROIC

Q2 2026

11.6%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+20.2% YoY

$261.8MFY 2025

FY22 $211.8MFY23 $210.0MFY24 $217.8MFY25 $261.8M

Net Income

+67.5% YoY

$79.2MFY 2025

FY22 $71.1MFY23 $60.7MFY24 $47.3MFY25 $79.2M

EPS (Diluted)

+67.0% YoY

$6.68FY 2025

FY22 $5.82FY23 $5.08FY24 $4.00FY25 $6.68

Total Assets

+3.5% YoY

$5.76BFY 2025

FY22 $4.99BFY23 $4.85BFY24 $5.56BFY25 $5.76B

Total Debt

+569.3% YoY

$188.2MFY 2025

FY22 $9.6MFY23 $108.6MFY24 $28.1MFY25 $188.2M

Op. Cash Flow

+49.8% YoY

$90.4MFY 2025

FY22 $78.8MFY23 $86.1MFY24 $60.4MFY25 $90.4M

Free Cash Flow

+59.3% YoY

$86.4MFY 2025

FY22 $77.4MFY23 $79.5MFY24 $54.3MFY25 $86.4M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$261.8M +20.2%	$217.8M +3.7%	$210.0M -0.8%	$211.8M +14.2%	$185.5M -1.8%	$188.8M
Net Income	$79.2M +67.5%	$47.3M -22.1%	$60.7M -14.7%	$71.1M +34.2%	$53.0M -1.6%	$53.8M
EPS (Diluted)	$6.68 +67.0%	$4.00 -21.3%	$5.08 -12.7%	$5.82 +44.8%	$4.02 +2.3%	$3.93
Total Assets	$5.76B +3.5%	$5.56B +14.6%	$4.85B -2.8%	$4.99B -3.6%	$5.18B +13.6%	$4.56B
Total Debt	$188.2M +569.3%	$28.1M -74.1%	$108.6M +1032.3%	$9.6M -91.2%	$109.3M +1821750.0%	$6.0K
Operating Cash Flow	$90.4M +49.8%	$60.4M -29.9%	$86.1M +9.3%	$78.8M +43.1%	$55.1M -28.9%	$77.4M
Free Cash Flow	$86.4M +59.3%	$54.3M -31.8%	$79.5M +2.8%	$77.4M +51.0%	$51.2M -30.3%	$73.5M

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Available Research

13F Pro tracks comprehensive data for FIRST FINANCIAL CORP /IN/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of THFF

BlackRock, Inc.
$127.5M1,646,928 sh
DIMENSIONAL FUND ADVISORS LP
$55.5M716,108 sh
FIRST FINANCIAL CORP /IN/
$48.9M631,112 sh
STATE STREET CORP
$40.3M520,083 sh
VANGUARD CAPITAL MANAGEMENT LLC
$37.9M489,602 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$36.8M475,270 sh
AMERICAN CENTURY COMPANIES INC
$31.7M409,657 sh
LSV ASSET MANAGEMENT
$30.0M387,561 sh
GEODE CAPITAL MANAGEMENT, LLC
$24.1M310,955 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$22.9M295,528 sh

Fund	Value	Shares
BlackRock, Inc.	$127.5M	1,646,928
DIMENSIONAL FUND ADVISORS LP	$55.5M	716,108
FIRST FINANCIAL CORP /IN/	$48.9M	631,112
STATE STREET CORP	$40.3M	520,083
VANGUARD CAPITAL MANAGEMENT LLC	$37.9M	489,602
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$36.8M	475,270
AMERICAN CENTURY COMPANIES INC	$31.7M	409,657
LSV ASSET MANAGEMENT	$30.0M	387,561
GEODE CAPITAL MANAGEMENT, LLC	$24.1M	310,955
VANGUARD PORTFOLIO MANAGEMENT LLC	$22.9M	295,528

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Is THFF a good stock to buy?

13F Pro's AI-powered analysis of FIRST FINANCIAL CORP /IN/ (THFF) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for THFF are available on the THFF stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. THFF is classified as a small company.

Which hedge funds own THFF?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling THFF. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FIRST FINANCIAL CORP /IN/'s investment landscape.