The acquisition of SimplyBank by First Financial is a significant expansion move that could lead to increased market share and operational synergies. The all-cash deal indicates a strong financial position of First Financial. Given the size of the deal and the fact that it is expected to close without immediate effect, the short-term impact on THFF's stock price is likely to be positive but moderate, as investors may react favorably to expansion but also consider the costs and integration risks associated with the merger.