Financial Analysis: First Financial (FFCH) versus Its Peers
First Financial (NASDAQ: FFCH) is one of 16 public companies in the “Banks – NEC” industry, but how does it compare to its peers? We will compare First Financial to similar businesses based on the strength of its analyst recommendations, earnings, institutional ownership, profitability, risk, valuation and dividends.
This is a breakdown of current recommendations and price targets for First Financial and its peers, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First Financial Competitors||28||292||153||10||2.30|
Institutional & Insider Ownership
56.8% of shares of all “Banks – NEC” companies are owned by institutional investors. 8.6% of shares of all “Banks – NEC” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Earnings and Valuation
This table compares First Financial and its peers revenue, earnings per share and valuation.
|Gross Revenue||Net Income||Price/Earnings Ratio|
|First Financial Competitors||$370.02 million||$42.31 million||26.01|
First Financial’s peers have higher revenue and earnings than First Financial. First Financial is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.
Risk and Volatility
First Financial has a beta of 2.54, meaning that its share price is 154% more volatile than the S&P 500. Comparatively, First Financial’s peers have a beta of 0.91, meaning that their average share price is 9% less volatile than the S&P 500.
This table compares First Financial and its peers’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First Financial Competitors||19.09%||8.52%||0.91%|
First Financial peers beat First Financial on 8 of the 9 factors compared.
About First Financial
First Financial Holdings, Inc. (First Financial) operates through its wholly owned subsidiary, First Federal Savings and Loan Association of Charleston (First Federal) and loan association. Other subsidiaries of First Financial include First Southeast Insurance Services, Inc. (First Southeast Insurance), which is an insurance agency; Kimbrell Insurance Group, Inc. (Kimbrell), which is a managing general insurance agency; First Southeast 401(k) Fiduciaries, Inc. (First Southeast 401(k)), which provides retirement plan consulting and administrative services, and First Southeast Investor Services, Inc. (First Southeast Investors), which is a registered broker-dealer. On July 26, 2013, First Financial Holdings, Inc. merged with and into First Financial Holdings, Inc. (formerly SCBT Financial Corporation) with the Company ceasing to exist and First Financial Holdings, Inc. continuing as the surviving corporation.
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