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First Financial Corporation (THFF) Options Positioning, Max Pain & Unusual Sweeps

$78.48 +2.52% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $78.69

First Financial Corporation (THFF) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $910.3M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is THFF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, First Financial Corporation (NASDAQ: THFF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $78.48 (+2.52% 1D, market cap $910.3M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, THFF ranks #217 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does THFF compare to FRBT and FMNB in the Financials sector?
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Within the Financials sector (Major Banks), THFF carries a Roarable C+ (66/100 RQD), trailing P/E of 11.6x, gross margin of —, and ROIC of 12.2%. By comparison, FRBT (Forbright Inc. (Class A)) holds a D grade (50/100 RQD, P/E N/A, ROIC —, cap $922.4M) and FMNB (Farmers National Banc Corp.) posts a C+ grade (66/100 RQD, P/E 17.1x, ROIC 11.2%, cap $926.6M). Among the 5-stock peer group, THFF leads on earnings multiple (11.6x) while THFF leads on capital efficiency (12.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for THFF?
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Per THFF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000714562), First Financial Corporation generated $2.42B in revenue (+3.5% YoY), $79.2M in net income, and $86.4M in free cash flow against $5.76B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $78.68 (+0.26%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 3.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510066
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C
Cash (13)Whales (11)SEC (13)Macro (12)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$96 Bull$81 Base$63 Bear
📬 FREE THFF RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for THFF)Realized 20D OHLCV Swing Band: ±4.2%
Deterministic 5-Pillar Attribution (66/100 Composite)
🔍 WHY THFF SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 3.6% FCF Margin ($86.4M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$73.38+2.2% Next Q
Q2 (-2Q)
61
Grade C$75.03+3.7% Next Q
Q3 (-1Q)
63
Grade C+$77.78+0.9% Next Q
Current
66
Grade C+$78.48+1.4% Hist 90D α
Trajectory: C (58) → C+ (66)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the THFF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, THFF faces multiple-compression risk if 11.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($76.18) or 200D SMA ($71.41) invalidates the momentum regime and cuts Target Base ($81.31) toward Bear Floor ($63.42).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $THFF• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “THFF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 66%NO 34%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±4.2%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (THFF)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for THFF.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating THFF & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on THFF
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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THFF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.85%⚡ TESTING RESISTANCE
2026-11-03O $77.50H $78.48L $76.55C $78.48VOL 104.0K
RES: $78.45SUP: $70.71SMA50: $76.18SMA200: $71.41
$85.85$78.89$71.92$64.95$57.99RES $78.45SUP $70.71$78.482026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

THFF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 THFF Butterfly Map → + Track THFF →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
1.8%/yr Implied 5Y Growth

vs. +3.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on THFF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for THFF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for THFF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (THFF)

Financials Rank #217 of 1097 ⚔️ FRBT vs THFF Full Matrix →

1. Head-to-Head Financials Peer Comparison (THFF vs. FRBT, FMNB, FCBC, GSBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, First Financial Corporation (THFF) ranks #217 by composite RQD confidence (66/100, grade C+) and #573 by equity capitalization ($910.3M). Within this direct 5-issuer industry benchmark cohort, THFF leads on earnings valuation at 11.6x trailing P/E, while THFF leads on capital efficiency and profitability with 12.2% ROIC and — gross margin. GSBC currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with THFF at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
THFF ACTIVE
First Financial Corporation
C+ 66/100 11.6x — 12.2% +2.52% $910.3M Benchmark Subject
FRBT
Forbright Inc. (Class A)
D 50/100 — — — +6.77% $922.4M /frbt-vs-thff →
FMNB
Farmers National Banc Corp.
C+ 66/100 17.1x — 11.2% +1.47% $926.6M /fmnb-vs-thff →
FCBC
First Community Bankshares Inc. (VA)
D+ 57/100 72.8x — 2.4% +1.68% $887.7M /fcbc-vs-thff →
GSBC
Great Southern Bancorp Inc.
B- 70/100 12.4x — 11.2% +1.75% $873.4M /gsbc-vs-thff →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000714562 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Financial Corporation (THFF) reported GAAP revenue of $2.42B (+3.5% vs. FY2024 revenue of $2.34B , and +639.0% cumulative change since FY2023) , GAAP net income of $79.2M, operating cash flow of $90.4M, and free cash flow of $86.4M (+59.3% YoY). On the balance sheet, THFF closed FY2025 with $5.76B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.42B $79.2M $90.4M $86.4M $5.76B —
FY2024 (FY) 2024-12-31 $2.34B $47.3M $60.4M $54.3M $5.56B —
FY2023 (FY) 2023-12-31 $327.1M $60.7M $86.1M $86.1M — —

3. THFF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is THFF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, First Financial Corporation (NASDAQ: THFF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $78.48 (+2.52% 1D, market cap $910.3M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, THFF ranks #217 in composite RQD confidence.

How does THFF compare to FRBT and FMNB in the Financials sector?

Within the Financials sector (Major Banks), THFF carries a Roarable C+ (66/100 RQD), trailing P/E of 11.6x, gross margin of —, and ROIC of 12.2%. By comparison, FRBT (Forbright Inc. (Class A)) holds a D grade (50/100 RQD, P/E N/A, ROIC —, cap $922.4M) and FMNB (Farmers National Banc Corp.) posts a C+ grade (66/100 RQD, P/E 17.1x, ROIC 11.2%, cap $926.6M). Among the 5-stock peer group, THFF leads on earnings multiple (11.6x) while THFF leads on capital efficiency (12.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for THFF?

Per THFF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000714562), First Financial Corporation generated $2.42B in revenue (+3.5% YoY), $79.2M in net income, and $86.4M in free cash flow against $5.76B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is THFF trading relative to its 50-day, 200-day, and 52-week technical levels?

THFF last traded at $78.48 (+2.52% on volume of 145,659 shares), positioning the stock +3.02% above its 50-day simple moving average ($76.18) and +9.90% above its 200-day simple moving average ($71.41). Across its 52-week range of $52.45 to $84.17, THFF sits at the 82.1% percentile with a 14-day RSI of 53.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.2% ($75.18 to $81.78).

Direct Sub-Reports: THFF RQD Cockpit THFF 12M Forecast THFF Earnings & Move THFF Dividends & DRIP THFF Insiders & 13F THFF Whale Options THFF Profit Sankey THFF News & Why
ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

THFF — First Financial Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

First Financial Corporation (THFF) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $78.48 (+2.52% 1D, market capitalization $910.3M).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 12.2%, gross margin of —, operating margin of —, and free cash flow yield of 9.38%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Is a NASDAQ-listed issuer in the Financials sector, operating within the Major Banks industry. The profile identifies a market capitalization of $0.9B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Financial Corporation (THFF) reported $2.42B in annual revenue (up from $2.34B in FY2024, +3.5% YoY) and $79.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($327.1M revenue, $60.7M net income) through FY2025, THFF scaled operating cash flow to $90.4M and free cash flow to $86.4M, backed by $5.76B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 66/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 9.38% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $52.45 – $84.17 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 11.6x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— The Butterfly Supply-Chain Graph records supply chain as NONE, with an empty set of butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations beyond the stated beta of 1.0, and second-order bottlenecks cannot be identified from the source. A prospective investor should note that the only sector-related inference available is the RQD sector-sensitivity sub-score within the Macro Regime Fit pillar.

  • Key Question #1: Can THFF sustain or expand its — operating margin and 12.2% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.42B and free cash flow of $86.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is THFF's 10.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

THFF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for First Financial Corporation (THFF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to THFF Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

THFF Bull vs. Bear Conversation Board — What's Your Call at $78.48?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON THFF 🐻 33% BEARISH CONVICTION
1. Pick Your Side on THFF:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $101.05 (+32.0%)
📌 Pinned Debate

Insider Conviction scores 17/20, the strongest pillar, alongside a 9.38% FCF yield and a forward P/E of 10.8.

Long THFF at $76.55 targeting $101.05. Insider Conviction scores 17/20, the strongest pillar, alongside a 9.38% FCF yield and a forward P/E of 10.8.. Institutional whale score is 11/20 and the risk/reward vs. the $52.45 52-week low is skewed heavily in favor of bulls.

SectorRotator 🐂 BULL

@RiskArb_Desk Fair point on 11.6x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $62.77 (-18.0%)
Spot @ $76.55

Revenue and operating income are reported as $0.0M across all periods, so the operating profile cannot be verified from the source.

Fading this rally in THFF at $76.55. Revenue and operating income are reported as $0.0M across all periods, so the operating profile cannot be verified from the source.. With a beta of 1.0 and the stock sitting at $76.55 (52-wk range $52.45–$84.17), the easy multiple expansion is already priced in.

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