B+
Bull case
25%
Probability
Target price
$91.97
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
THFF
First FinancialBNasdaq / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most likely
B
Base case
50%
Probability
Target price
$86.13
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$74.50
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-31
Recent news sentiment (30D)
+25.9
Positive
Company
-
Unavailable
Macro
+25.9
Positive
Pulse
-
Unavailable
Weekly research (10D)
-36.0
Negative
Sentiment proxy
+74.4
Score
AI commentary
News flow is concentrated around the July 28 earnings release. Secondary coverage characterized the result as an EPS beat and revenue miss, with limited revision information; the packet has no social, options, short-interest, or employee-sentiment coverage. The RankAlpha anchor was $80.84 on July 30 versus $77.67 reported in earnings-day coverage, but the post-print move cannot be cleanly attributed to earnings alone. [Reuters via Investing](https://ng.investing.com/news/earnings/first-financial-indiana-earnings-beat-by-010-revenue-fell-short-of-estimates-2620999)
RankAlpha Sentiment Codex - 2026-07-31
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-28eventQ2 earnings beat with strong profitability, but revenue missMedium impact
The July 28 8-K reported Q2 diluted EPS of $1.91 versus $1.57 a year earlier, net income of $22.7 million versus $18.6 million, 4.33% net interest margin, and 1.48% ROA. Reuters-syndicated coverage reported EPS $0.10 above consensus but revenue of $71.87 million below the $72.67 million estimate. [#SEC-8K-2026-07-28] [Reuters via Investing](https://ng.investing.com/news/earnings/first-financial-indiana-earnings-beat-by-010-revenue-fell-short-of-estimates-2620999)
2026-08-31catalystCredit-quality deterioration and deposit-mix pressureMedium impact
Nonperforming loans rose to $27.1 million, or 0.61% of loans, from $9.8 million and 0.25% a year earlier. Total deposits declined 0.19% sequentially, while non-interest-bearing deposits fell to $999 million from $860 million a year earlier. [#SEC-8K-2026-07-28]
2026-12-31catalystContinued loan growth and CedarStone integrationHigh impact
Management reported the eleventh consecutive quarter of loan growth, with total loans up 14.66% year over year and $300 million of organic growth. The CedarStone acquisition added $292 million of loans and $313 million of deposits. [#SEC-8K-2026-07-28]
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-31 • Updated nightlySource: Internal modelMethodology