Norman Lowery - First Financial COO
| THFF Stock | USD 35.54 0.60 1.66% |
COO
Mr. Norman D. Lowery is Chief Operations Officer, First Financial Corporation and First Financial Bank, N.A. Mr. Lowery is the Chief Operations Officer of the Corporation and the Bank, serving since 2010. He joined the Corporation in 1990 and has held a management position in Private Banking, as well as having been a Trust Investment Officer. Mr. Lowery received his B.A. degree from Indiana University and M.B.A. from Indiana Wesleyan University. Mr. Lowery formerly held several professional accreditations, including, a Financial Industry Regulatory Authority Series 7 license Uniform Securities Agent Series 63 license and a Uniform Investment Adviser Series 65 license. He is also an accredited Fiduciary Investment Manager. Mr. Lowery is a graduate of the Cannon Financial Institute Trust Investment School and Private Banking School since 2010.
| Age | 56 |
| Tenure | 14 years |
| Address | One First Financial Plaza, Terre Haute, IN, United States, 47807 |
| Phone | 812 238 6000 |
| Web | https://www.first-online.bank |
Norman Lowery Latest Insider Activity
Tracking and analyzing the buying and selling activities of Norman Lowery against First Financial stock is an integral part of due diligence when investing in First Financial. Norman Lowery insider activity provides valuable insight into whether First Financial is net buyers or sellers over its current business cycle. Note, First Financial insiders must abide by specific rules, including filing SEC forms every time they buy or sell First Financial'sshares to prevent insider trading or benefiting illegally from material non-public information that their positions give them access to.
Norman Lowery over a week ago Disposition of 4571 shares by Norman Lowery of First Financial at 45.29 subject to Rule 16b-3 |
First Financial Management Efficiency
The company has return on total asset (ROA) of 0.0114 % which means that it generated a profit of $0.0114 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1084 %, meaning that it created $0.1084 on every $100 dollars invested by stockholders. First Financial's management efficiency ratios could be used to measure how well First Financial manages its routine affairs as well as how well it operates its assets and liabilities. The current Return On Tangible Assets is estimated to decrease to 0.01. The current Return On Capital Employed is estimated to decrease to 0.05. At this time, First Financial's Other Assets are most likely to increase significantly in the upcoming years. The First Financial's current Intangibles To Total Assets is estimated to increase to 0.02, while Total Current Assets are projected to decrease to roughly 96.9 M.Similar Executives
| Found 2 records | COO Age | ||
| Amy Logan | William Penn Bancorp | 56 | |
| Robert Butkowski | Pathfinder Bancorp | 48 | |
Management Performance
| Return On Equity | 0.11 | |||
| Return On Asset | 0.0114 |
First Financial Leadership Team
Elected by the shareholders, the First Financial's board of directors comprises two types of representatives: First Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of First. The board's role is to monitor First Financial's management team and ensure that shareholders' interests are well served. First Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, First Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Karen StinsonMilienu, First Officer | ||
| Terry Tevlin, Vice Marketing | ||
| Rodger McHargue, CFO, Treasurer, Secretary, Member of Enterprise Risk Management Committee, CFO of First Financial Bank and VP of First Financial Bank | ||
| Norman Lowery, COO, Member of Enterprise Risk Management Committee, Chief Operations Officer of First Financial Bank and VP of First Financial Bank | ||
| Steven Holliday, Chief Credit Officer of First Financial Bank N.A. and VP of First Financial Bank N.A. | ||
| Mark Franklin, Senior Officer |
First Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is First Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.11 | |||
| Return On Asset | 0.0114 | |||
| Profit Margin | 0.28 % | |||
| Operating Margin | 0.30 % | |||
| Current Valuation | 510.86 M | |||
| Shares Outstanding | 11.81 M | |||
| Shares Owned By Insiders | 4.00 % | |||
| Shares Owned By Institutions | 75.63 % | |||
| Number Of Shares Shorted | 67.76 K | |||
| Price To Earning | 12.24 X |
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Additional Information and Resources on Investing in First Stock
When determining whether First Financial is a strong investment it is important to analyze First Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact First Financial's future performance. For an informed investment choice regarding First Stock, refer to the following important reports:Check out World Market Map to better understand how to build diversified portfolios, which includes a position in First Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census. For more detail on how to invest in First Stock please use our How to Invest in First Financial guide.You can also try the Price Exposure Probability module to analyze equity upside and downside potential for a given time horizon across multiple markets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Financial. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.30) | Dividend Share 1.44 | Earnings Share 4.68 | Revenue Per Share 16.618 | Quarterly Revenue Growth (0.10) |
The market value of First Financial is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Financial's value that differs from its market value or its book value, called intrinsic value, which is First Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Financial's market value can be influenced by many factors that don't directly affect First Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between First Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.