THFF

First FinancialB

Nasdaq / Banks

At close

2026-07-21

Current thesis

Q1 primary-source results showed higher net income and EPS, sustained loan growth, acquisition contribution, strong margin, and stable credit quality. Confirmation of these trends in Q2 could support the deterministic model's positive medium-term prior.

Posture

Constructive

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-28.

What can break

Credit-loss provision increased year over year in Q1; acquisition integration and credit performance require confirmation.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $79.10 · Bull $84.00 · Bear $69.50

Earnings

2026-07-28

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-21 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $74.50

Why

Momentum61 · Δ7d -4.6

Value60 · Δ7d -0.5

Sentiment54 · Δ7d -2.9

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-4.6

Δ21d

-14.7

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.5

Δ21d

+0.2

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-2.9

Δ21d

-2.0

Why this grade

Composite grade B. Momentum 61.2 / Value 60.2 / Sentiment 53.8

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$916.98M

Beta

0.42

Shares Out

11.89M

P/E (TTM)

9.7

P/S (TTM)

2.85

P/FCF (TTM)

14.66

Rev YoY

+6.7%

EPS YoY

+7.2%

Gross Margin

Op Margin

+36.5%

Net Debt

$357.85M

Current Ratio

0.07

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology