Contrasting First Financial (NASDAQ:THFF) & Its Rivals

First Financial (NASDAQ: THFF) is one of 86 publicly-traded companies in the “Property & Casualty Insurance” industry, but how does it weigh in compared to its rivals? We will compare First Financial to related businesses based on the strength of its valuation, institutional ownership, risk, analyst recommendations, profitability, dividends and earnings.

Analyst Recommendations

This is a summary of current ratings and recommmendations for First Financial and its rivals, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Financial 0 1 0 0 2.00
First Financial Competitors 634 2333 2209 48 2.32

First Financial presently has a consensus target price of $49.00, indicating a potential upside of 1.03%. As a group, “Property & Casualty Insurance” companies have a potential upside of 1.37%. Given First Financial’s rivals stronger consensus rating and higher possible upside, analysts plainly believe First Financial has less favorable growth aspects than its rivals.

Dividends

First Financial pays an annual dividend of $1.00 per share and has a dividend yield of 2.1%. First Financial pays out 35.1% of its earnings in the form of a dividend. As a group, “Property & Casualty Insurance” companies pay a dividend yield of 1.3% and pay out 14.7% of their earnings in the form of a dividend.

Earnings and Valuation

This table compares First Financial and its rivals gross revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
First Financial $156.31 million $38.41 million 17.02
First Financial Competitors $11.51 billion $1.16 billion 158.67

First Financial’s rivals have higher revenue and earnings than First Financial. First Financial is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Volatility and Risk

First Financial has a beta of 0.85, indicating that its share price is 15% less volatile than the S&P 500. Comparatively, First Financial’s rivals have a beta of 0.91, indicating that their average share price is 9% less volatile than the S&P 500.

Profitability

This table compares First Financial and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Financial 23.48% 8.11% 1.17%
First Financial Competitors 6.40% 1.74% 1.30%

Institutional and Insider Ownership

53.8% of First Financial shares are held by institutional investors. Comparatively, 60.2% of shares of all “Property & Casualty Insurance” companies are held by institutional investors. 3.6% of First Financial shares are held by insiders. Comparatively, 15.7% of shares of all “Property & Casualty Insurance” companies are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Summary

First Financial rivals beat First Financial on 12 of the 15 factors compared.

First Financial Company Profile

First Financial Corporation is a financial holding company. The Company, through its subsidiaries, offers financial services, including commercial, mortgage and consumer lending, lease financing, trust account services, depositor services and insurance services. The Company’s subsidiaries include First Financial Bank, N.A. (the Bank), The Morris Plan Company of Terre Haute (Morris Plan), First Chanticleer Corporation and FFB Risk Management Co., Inc. The Bank has two investment subsidiaries, Portfolio Management Specialists A (Specialists A) and Portfolio Management Specialists B (Specialists B), which holds and manages certain assets to manage various income streams and provides opportunities for capital creation as needed. The Bank’s loan portfolio includes commercial loans, residential loans and consumer loans. Its deposits include non-interest-bearing demand deposits, interest-bearing demand deposits, savings deposits, time deposits: $100,000 or more, and other time deposits.

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