Reviewing FirstSun Capital Bancorp (NASDAQ:FSUN) & First Financial Corporation Indiana (NASDAQ:THFF)

FirstSun Capital Bancorp (NASDAQ:FSUN) and First Financial Corporation Indiana (NASDAQ:THFF) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, institutional ownership, earnings, valuation, dividends, analyst recommendations and risk.

Profitability

This table compares FirstSun Capital Bancorp and First Financial Corporation Indiana’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FirstSun Capital Bancorp	15.94%	9.00%	1.17%
First Financial Corporation Indiana	21.70%	12.70%	1.32%

Earnings and Valuation

This table compares FirstSun Capital Bancorp and First Financial Corporation Indiana”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FirstSun Capital Bancorp	$549.33 million	1.93	$75.63 million	$3.16	12.03
First Financial Corporation Indiana	$307.51 million	2.37	$47.28 million	$6.24	9.87

FirstSun Capital Bancorp has higher revenue and earnings than First Financial Corporation Indiana. First Financial Corporation Indiana is trading at a lower price-to-earnings ratio than FirstSun Capital Bancorp, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

FirstSun Capital Bancorp has a beta of 0.95, meaning that its stock price is 5% less volatile than the S&P 500. Comparatively, First Financial Corporation Indiana has a beta of 0.43, meaning that its stock price is 57% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for FirstSun Capital Bancorp and First Financial Corporation Indiana, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FirstSun Capital Bancorp	0	1	3	0	2.75
First Financial Corporation Indiana	0	2	2	1	2.80

FirstSun Capital Bancorp currently has a consensus price target of $43.33, suggesting a potential upside of 14.04%. First Financial Corporation Indiana has a consensus price target of $60.00, suggesting a potential downside of 2.61%. Given FirstSun Capital Bancorp’s higher possible upside, equities analysts plainly believe FirstSun Capital Bancorp is more favorable than First Financial Corporation Indiana.

Institutional and Insider Ownership

72.7% of First Financial Corporation Indiana shares are owned by institutional investors. 12.5% of FirstSun Capital Bancorp shares are owned by company insiders. Comparatively, 5.0% of First Financial Corporation Indiana shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Summary

First Financial Corporation Indiana beats FirstSun Capital Bancorp on 8 of the 15 factors compared between the two stocks.

About FirstSun Capital Bancorp

FirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.

About First Financial Corporation Indiana

First Financial Corporation, through its subsidiaries, provides various financial services. The company offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. It also provides commercial loans primarily to expand a business or finance asset purchases; residential real estate and residential real estate construction loans; and home equity loans and lines, secured loans, and cash/CD secured and unsecured loans. In addition, the company offers lease financing, trust account, depositor, and insurance services. The company was founded in 1834 and is headquartered in Terre Haute, Indiana.