Quarterly Financial Reporting: This is a 10-Q filing for First Financial Corp /IN/ covering the second quarter ended June 30, 2026, filed on August 6, 2026 Company Information: First Financial Corp /IN/ is a state commercial bank incorporated in Indiana, headquartered in Terre Haute, IN, with business operations at One First Financial Plaza Financial Statements and Data: The filing contains…

Our analysis rates this filing NEUTRAL. First Financial Corporation presents a stable profile typical of a regional commercial bank in normal operating conditions. The risk score of 4.2 reflects standard banking sector risks (interest rate sensitivity, credit quality, liquidity management) rather…

Concern level: ELEVATED (4.2/10). Key factors: Interest rate risk remains material for regional banking operations; NIM compression possible if rate environment shifts unfavorably; Credit quality monitoring required; standard banking risk of potential NPL increases in economic downturn; Liquidity and funding dependency on deposit base and capital markets access, though no current stress…

Notable risk changes: No material negative events or risk escalations detected in available Q2 2026 10-Q filing content; Standard banking regulatory and operational disclosures present; no new litigation, regulatory enforcement actions, or executive changes evident; No financial restatements, material weaknesses in internal controls, or covenant breaches disclosed.

The model predicts THFF will underperform the S&P 500 by about 0.0% over 30 days. This is model analysis for research, not investment advice.