First Financial (THFF)
Parent of First Financial Bank, a community lender spanning Indiana to Georgia.
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Operates as a single-segment bank holding company, gathering deposits and extending commercial, residential, and consumer loans through a branch network across Indiana, Illinois, Kentucky, Tennessee, and Georgia, alongside trust and wealth-management services.
Runs one reportable segment, banking, through subsidiary First Financial Bank: deposit accounts, commercial and commercial-real-estate lending, residential mortgages, consumer and lease financing, plus trust, wealth-management, and insurance services.
Branches concentrate in Indiana, where the bank traces to 1834, and extend through Illinois, Kentucky, Tennessee, and Georgia — grown from a single-market Indiana bank into a multi-state Midwest-to-Southeast lender.
Growth has come chain-style through community-bank acquisitions that added Kentucky and Tennessee, then Georgia and East Tennessee, each folded in while keeping local relationships and centralizing back-office functions. Leadership passed from father to son in 2024, continuing family stewardship.
As a bank holding company it answers to the Federal Reserve, while its national-bank subsidiary answers to the Office of the Comptroller of the Currency; earnings depend on the deposit-loan rate spread and credit performance across its community-bank loan book.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 7, 2026 | Capital One Financial | Target | Target: — | Target: $90 |
| Jul 8, 2025 | Raymond James | Downgrade | ||
| Feb 24, 2025 | Janney Montgomery Scott | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $1.26B · Total debt $601.6M · Total assets $6.18B · Shareholders' equity $675.8M
- Revenue
- $94.9M
- Operating income
- $28.1M
- Net income
- $22.7M
HistoryDividendAnnual yieldUpcoming
| Institutions | 85.38% | 10.15M shares | |
|---|---|---|---|
| 204 holders · as of Jun 30, 2026 | |||
| Insiders | 4.34% | 516.2K shares | |
| 13 holders · as of Jul 17, 2026 | |||
| Other | 10.28% | 1.22M shares | |
| remainder | |||
11.89M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 13.85% | 1.65M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 6.02% | 716,108 | as of Jun 30, 2026 |
First Financial Corp /IN/Institution | 5.31% | 631,112 | as of Jun 30, 2026 |
State Street CorpInstitution | 4.37% | 520,083 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.12% | 489,602 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 16, 2026 | James O. McDonald | director | +84 | $75.00 |
| Mar 2, 2026 | Mark Allen Franklin | officer: CHIEF LENDING OFFICER | −2,209 | $64.60 |
| Dec 4, 2025 | Susan M. Jensen | director | +28 | $60.23 |
| Jun 10, 2025 | Susan M. Jensen | director | +148 | $56.89 |
| Oct 13, 2025 | James O. McDonald | director | +2,295 | $52.25 |
- Old National Bancorp
Largest Indiana-headquartered bank; direct footprint overlap across IN, IL, KY, TN.
- First Merchants
Muncie, IN community-bank holding company overlapping Indiana and central Ohio.
- First Busey
Champaign, IL-based multi-state community bank; central Illinois head-to-head.
- German American Bancorp
Jasper, IN community-bank peer; closest match by size and community-bank ethos.
- FB Financial
Nashville-based multi-state bank with deep East Tennessee MSA presence.
- Stock Yards Bancorp
Louisville-based multi-state bank now bordering western Kentucky and southern Indiana.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Financial | $75.97 | +0.04% | $903.1M | 10.6 | 9.6 | 2.7 | +14.0% |
| Old National Bancorp | $25.14 | −0.43% | $9.66B | 11.1 | 9.2 | 2.4 | +12.3% |
| First Merchants | $40.99 | +0.22% | $2.57B | 13.1 | 9.7 | 2.4 | +23.2% |
| First Busey | $29.97 | +0.02% | $2.53B | 10.8 | 11.3 | 2.7 | −1.9% |
| German American Bancorp | $49.26 | +0.16% | $1.85B | 13.0 | 12.3 | 3.7 | +12.7% |
| FB Financial | $53.59 | −0.03% | $2.76B | 14.3 | 10.9 | 2.7 | +18.5% |
| Stock Yards Bancorp | $78.73 | −0.10% | $2.33B | 15.7 | 14.6 | 4.2 | +17.2% |
| Median | 13.0 | 11.1 | 2.7 | +15.0% |