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what it is
It is a regional bank that makes money on loans, deposits, fees, insurance, and trust services.
how it gets paid
Last year L. In made $306M in revenue. net interest income was the main engine at $214M, or 70% of sales.
why it's growing
Revenue grew 15.4% last year. The number that mattered was $1.81 in EPS because it cleared the $1.72 consensus and showed profit held up better than expectations.
what just happened
THFF reported $1.81 in EPS versus a $1.72 consensus, a 5.23% beat, while Revenue was reported at $224M.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
75/100 earnings predictability — reasonably predictable
10.1x trailing p/e — the market's not buying it — or you found a deal
3.7% dividend yield — cash in your pocket every quarter
$6.68 fy2025 eps est
xvary composite: 74/100 — average
What they do
It is a regional bank that makes money on loans, deposits, fees, insurance, and trust services.
THFF wins the old-fashioned way: local banking relationships that are annoying to move. pegs long-term debt at just $28 million, or 4% of capital, so this bank has more room to absorb stress than a heavily borrowed peer. When your business loan, deposits, trust account, and insurance sit under one roof, leaving gets harder.
How they make money
$306M
annual revenue · their business grew +15.4% last year
net interest income
$214M
+18.0%
deposit service charges
$27M
+4.0%
insurance services
$24M
+6.0%
trust and wealth fees
$21M
+5.0%
lease financing and other fees
$20M
+3.0%
The products that matter
business lending and treasury
Commercial Banking
$245M revenue driver
it's the core earnings engine, tied to the $245M net interest income base and the 4.25% net interest margin.
80% of revenue
retail deposits and mortgages
Consumer Banking
13.20% return on equity
consumer deposits matter because cheap funding supports lending economics, and a 13.20% return on equity says the bank is still earning decent returns on your capital.
funding base
trust and fee services
Wealth Management
$61M non-interest income
this is the fee-income ballast. It accounts for 20% of revenue, which helps, but THFF is still mostly a spread lender.
20% of revenue
Key numbers
10.1x
trailing p/e
You are paying 10.1 times trailing earnings for a bank with a 3.7% yield, which says the market expects very little excitement.
$306M
annual revenue
That is the current revenue base, and EDGAR says it grew 15.4% vs. prior year.
$28M
long-term debt
says debt is just 4% of capital, which means the balance sheet is not leaning on leverage for survival.
3.7%
dividend yield
You get paid while you wait, and THFF has also paid special dividends of $0.10 in 2022 and $0.20 in 2023.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 2 — safer than 80% of stocks
- price stability 85 / 100
- long-term debt $28M (4% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for THFF right now.
source: institutional data · return history unavailable
What just happened
beat estimates
THFF reported $1.81 in EPS versus a $1.72 consensus, a 5.23% beat, while Revenue was reported at $224M.
The quarter showed a clean earnings beat against consensus. The bigger story is the contrast: annual revenue was $306M, but the latest quarter was listed at $224M, which tells you acquisition or accounting noise is distorting simple vs. prior year comparisons.
$224M
revenue
$1.81
eps
31.2%
net margin
the number that mattered
The number that mattered was $1.81 in EPS because it cleared the $1.72 consensus and showed profit held up better than expectations.
source: company earnings report, 2026
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What could go wrong
the #1 risk is net interest margin compression.
high
net interest margin rolls over
THFF reported a 4.25% net interest margin, up from 4.11% a year earlier. That improvement is doing real work in the story, and 80% of revenue still comes from net interest income.
THFF reported a 4.25% net interest margin, up from 4.11% a year earlier. That improvement is doing real work in the story, and 80% of revenue still comes from net interest income.
med
tennessee expansion has to earn its keep
Expansion can look smart on a map and mediocre in the income statement. If acquired markets do not hold margin and credit quality, the strategic story turns into simple complexity.
Expansion can look smart on a map and mediocre in the income statement. If acquired markets do not hold margin and credit quality, the strategic story turns into simple complexity.
med
fee income is still the minority
Non-interest income was $61M, or 20% of revenue. Useful diversification, yes. Enough to offset a real squeeze in lending spreads, no.
Non-interest income was $61M, or 20% of revenue. Useful diversification, yes. Enough to offset a real squeeze in lending spreads, no.
low
geography stays local
This is still an Indiana-and-Tennessee bank. The upside of local knowledge is focus. The downside is that local weakness hits the same loan and deposit base you're relying on.
This is still an Indiana-and-Tennessee bank. The upside of local knowledge is focus. The downside is that local weakness hits the same loan and deposit base you're relying on.
With 80% of revenue tied to net interest income, THFF is cheaper than peers for a reason: you are underwriting spread durability.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest margin stays above 4.11%
The latest 4.25% was up from 4.11% a year earlier. If it holds above that prior level, the core profitability case is still intact.
calendar
q1 2026 earnings report
Estimated date April 21, 2026. You want the next read on margin, operating income, and whether the good quarter was repeatable.
trend
pre-tax, pre-provision income
The jump from $22.3M to $29.4M was the best operating datapoint on the page. Watch whether it keeps compounding or gives back the gain.
risk
fee income remains just 20% of revenue
Non-interest income at $61M helps, but this is still mostly a rate story. More diversification would make the earnings base sturdier.
Analyst rankings
earnings predictability
75 / 100
in human-speak: this bank's earnings are usually steady enough that quarters do not come out of nowhere.
risk rank
2
safer than 80% of stocks. In human-speak: the balance sheet is not where the drama is supposed to come from.
source: institutional data
Institutional activity
institutional ownership data for THFF is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$67
current price
n/a
target midpoint · n/a from current
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