Advertisement
SRCE vs THFF
Which Stock Would AI Choose? 1st Source Corporation (SRCE) vs. First Financial Corporation (THFF) Stock Comparison
Key Takeaways
- Both SRCE and THFF are Indiana-based regional bank holding companies, but they differ notably in size, dividend yield, and recent momentum.
- SRCE has delivered stronger year-to-date relative performance, while THFF offers a higher dividend yield and a more acquisition-driven growth path.
- Both banks report healthy net interest margins above 4%, reflecting disciplined pricing on loans and deposits.
- Credit quality trends have diverged modestly, with each reporting rising non-performing loans in recent quarters.
- Investor sentiment toward both names has been constructive, supported by record earnings and analyst price-target increases.
Introduction
Regional banks offer a useful lens on the broader U.S. credit cycle, interest-rate environment, and local economic conditions. Comparing 1st Source Corporation (SRCE) and First Financial Corporation (THFF) is instructive because both are established Midwestern lenders with similar geographic footprints yet distinct scale, growth strategies, and market positioning. This stock comparison is most relevant to income-oriented investors weighing dividend yield against momentum, as well as traders assessing relative performance within the Banks–Midwest industry group. Understanding how these two companies differ in business model, growth drivers, and risk profile can help readers frame their own market positioning.
SRCE Overview and Recent Performance
1st Source Corporation, headquartered in South Bend, Indiana, is the holding company for 1st Source Bank, providing commercial and consumer banking, trust and investment management, and insurance services across Indiana, Michigan, and Florida. The company traces its roots to 1863 and, more recently, completed a leadership transition with Andrea Short becoming Chief Executive Officer in late 2025.
In recent market activity, SRCE has shown strong momentum, with shares gaining roughly 37% year-to-date as of late September 2026, well ahead of the broader market. The company reported record 2025 net income of approximately $158 million, up nearly 20% year over year, and followed with solid quarterly results, including a second-quarter earnings beat. Its net interest margin (NIM) — a key measure of lending profitability — has held above 4.2%, supported by disciplined loan and deposit pricing and investment-portfolio repositioning. Analyst price targets have been raised in recent weeks, though the consensus rating remains a "Hold."
THFF Overview and Recent Performance
First Financial Corporation, based in Terre Haute, Indiana, is the holding company for First Financial Bank N.A., one of the oldest national banks in the United States, operating 79 banking centers across Illinois, Indiana, Kentucky, Tennessee, and Georgia. Unlike its peer, THFF has pursued an acquisition-driven expansion strategy, completing the purchase of CedarStone Financial in early 2026, which added roughly $292 million in loans and $313 million in deposits.
In recent weeks, THFF has posted record net income and marked its eleventh consecutive quarter of loan growth, surpassing $6 billion in total assets for the first time. Its net interest margin improved to 4.33% in the latest quarter, and return on average assets reached 1.48%. The stock has advanced roughly 11% to 12% year-to-date, a more measured pace than its peer, but it offers a meaningfully higher dividend yield of around 3.3%. Sentiment has been generally positive, with analysts maintaining "Hold" ratings and modestly raising price targets.
Trending AI Robots
For traders seeking a data-driven edge in comparing names like SRCE and THFF, Tickeron's Trending AI Robots page offers a curated view of its most relevant automated strategies. Tickeron operates hundreds of AI Trading Bots covering thousands of tickers, each with distinct trading styles, strategies, timeframes, performance statistics, and ticker sets. Because not every bot suits every market regime, only the best-performing and most suitable strategies for current conditions are featured in this curated section. The page highlights key metrics that can help investors evaluate which robots are currently trending. Explore the Trending AI Robots page to review the latest selections and performance data.
Head-to-Head Comparison
While both are Midwestern bank holding companies, the two differ in several important dimensions. In terms of scale and market positioning, SRCE carries a larger market capitalization of roughly $2 billion and a broader service mix, including a sizable wealth-management and insurance business. By contrast, THFF is a smaller, more traditional community-bank franchise with a stronger dividend yield of about 3.3% versus roughly 2.1% for its peer.
Growth drivers also diverge. SRCE has leaned on organic loan growth, particularly in renewable-energy and commercial lending, alongside an active share-repurchase program. THFF has combined organic growth with mergers and acquisitions (M&A), most recently the CedarStone deal. On risk factors, both reported increases in non-performing loans in recent quarters, though management at each has characterized credit as manageable. Valuation is another contrast: THFF trades at a higher price-to-earnings ratio but a lower price-to-tangible-book premium given its smaller scale, while SRCE has seen stronger recent momentum and a larger market capitalization.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely favor SRCE for trend consistency and relative momentum, given its stronger year-to-date performance, rising analyst price targets, and steadier organic earnings trajectory. At the same time, THFF presents a more compelling income profile with its higher dividend yield and improving net interest margin, factors that may appeal to bots tuned for stability and yield. The verdict is therefore probabilistic rather than absolute: momentum-oriented strategies may tilt toward SRCE, while income- and valuation-focused strategies may favor THFF under current market conditions.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is SRCE is a StrongBuy and THFF is a StrongBuy.
SRCE | THFF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 87 | 61 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 72 Overvalued | 35 Fair valued | |
PROFIT vs RISK RATING 1..100 | 12 | 11 | |
SMR RATING 1..100 | 19 | 25 | |
PRICE GROWTH RATING 1..100 | 42 | 46 | |
P/E GROWTH RATING 1..100 | 29 | 41 | |
SEASONALITY SCORE 1..100 | 75 | 65 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
THFF's Valuation (35) in the Regional Banks industry is somewhat better than the same rating for SRCE (72). This means that THFF’s stock grew somewhat faster than SRCE’s over the last 12 months.
THFF's Profit vs Risk Rating (11) in the Regional Banks industry is in the same range as SRCE (12). This means that THFF’s stock grew similarly to SRCE’s over the last 12 months.
SRCE's SMR Rating (19) in the Regional Banks industry is in the same range as THFF (25). This means that SRCE’s stock grew similarly to THFF’s over the last 12 months.
SRCE's Price Growth Rating (42) in the Regional Banks industry is in the same range as THFF (46). This means that SRCE’s stock grew similarly to THFF’s over the last 12 months.
SRCE's P/E Growth Rating (29) in the Regional Banks industry is in the same range as THFF (41). This means that SRCE’s stock grew similarly to THFF’s over the last 12 months.
| SRCE | THFF | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 55% |
| Stochastic ODDS (%) | 2 days ago 52% | 2 days ago 72% |
| Momentum ODDS (%) | 2 days ago 58% | 2 days ago 51% |
| MACD ODDS (%) | 2 days ago 55% | N/A |
| TrendWeek ODDS (%) | 2 days ago 59% | 2 days ago 51% |
| TrendMonth ODDS (%) | 2 days ago 54% | 2 days ago 50% |
| Advances ODDS (%) | 8 days ago 58% | 8 days ago 58% |
| Declines ODDS (%) | 3 days ago 54% | 3 days ago 54% |
| BollingerBands ODDS (%) | 2 days ago 80% | 2 days ago 70% |
| Aroon ODDS (%) | 2 days ago 51% | 2 days ago 57% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
SRCE’s FA Score shows that 3 FA rating(s) are green while THFF’s FA Score has 2 green FA rating(s).
- SRCE’s FA Score: 3 green, 2 red.
- THFF’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
SRCE’s TA Score shows that 4 TA indicator(s) are bullish while THFF’s TA Score has 4 bullish TA indicator(s).
- SRCE’s TA Score: 4 bullish, 5 bearish.
- THFF’s TA Score: 4 bullish, 5 bearish.
Price Growth
SRCE (@Regional Banks) experienced а +0.62% price change this week, while THFF (@Regional Banks) price change was -0.88% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.99%. For the same industry, the average monthly price growth was -2.92%, and the average quarterly price growth was +11.39%.
Reported Earning Dates
SRCE is expected to report earnings on Oct 22, 2026.
THFF is expected to report earnings on Oct 27, 2026.
Industries' Descriptions
@Regional Banks (-0.99% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
Advertisement
| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| TAX | 30.50 | 0.27 | +0.89% |
| Cambria Tax Aware ETF (TAX) | |||
| MAVF | 138.13 | N/A | N/A |
| MATRIX ADVISORS VALUE ETF | |||
| IRVH | 18.43 | -0.01 | -0.05% |
| Global X Interest Rate Volatility & Inflation Hedge ETF (IRVH) | |||
| NASA | 23.87 | -0.09 | -0.38% |
| Tema Space Innovators ETF (NASA) | |||
| HYBB | 44.83 | -0.23 | -0.51% |
| iShares BB Rated Corporate Bond ETF (HYBB) | |||
SRCE and
Correlation & Price change
A.I.dvisor indicates that over the last year, SRCE has been closely correlated with PEBO. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if SRCE jumps, then PEBO could also see price increases.
| Ticker / NAME | Correlation To SRCE | 1D Price Change % | ||
|---|---|---|---|---|
| SRCE | 100% | +1.70% | ||
| PEBO - SRCE | 89% Closely correlated | +0.82% | ||
| THFF - SRCE | 87% Closely correlated | +0.89% | ||
| MBWM - SRCE | 85% Closely correlated | +0.99% | ||
| BY - SRCE | 85% Closely correlated | +0.98% | ||
| NBTB - SRCE | 85% Closely correlated | +1.16% | ||
More | ||||
THFF and
Correlation & Price change
A.I.dvisor indicates that over the last year, THFF has been closely correlated with SRCE. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if THFF jumps, then SRCE could also see price increases.
| Ticker / NAME | Correlation To THFF | 1D Price Change % | ||
|---|---|---|---|---|
| THFF | 100% | +0.89% | ||
| SRCE - THFF | 87% Closely correlated | +1.70% | ||
| MBWM - THFF | 85% Closely correlated | +0.99% | ||
| EFSC - THFF | 85% Closely correlated | +0.93% | ||
| SHBI - THFF | 85% Closely correlated | +1.38% | ||
| GABC - THFF | 84% Closely correlated | +0.91% | ||
More | ||||