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First Financial Corporation (THFF)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US3202181000

CUSIP

320218100

IPO Date

Mar 3, 1992

Highlights

Market Cap

$616.47M

EPS (TTM)

$4.66

PE Ratio

11.16

Total Revenue (TTM)

$322.22M

Gross Profit (TTM)

$215.58M

EBITDA (TTM)

$79.35M

Year Range

$33.11 - $53.50

Target Price

$56.67

Short %

1.80%

Short Ratio

2.97

Share Price Chart


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Compare to other instruments

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First Financial Corporation

Performance

Performance Chart


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S&P 500

Returns By Period

First Financial Corporation (THFF) returned 14.69% year-to-date (YTD) and 46.37% over the past 12 months. Over the past 10 years, THFF returned 7.52% annually, underperforming the S&P 500 benchmark at 10.85%.


THFF

YTD

14.69%

1M

4.94%

6M

8.47%

1Y

46.37%

3Y*

8.61%

5Y*

11.56%

10Y*

7.52%

^GSPC (Benchmark)

YTD

0.51%

1M

6.15%

6M

-2.00%

1Y

12.92%

3Y*

12.68%

5Y*

14.19%

10Y*

10.85%

*Annualized

Monthly Returns

The table below presents the monthly returns of THFF, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20255.50%7.30%-5.28%1.92%4.94%14.69%
2024-8.39%-5.56%4.19%-5.01%1.73%-0.43%23.41%-0.58%-1.90%-1.01%13.69%-5.43%11.11%
2023-1.35%-2.16%-14.72%-7.82%-6.11%1.66%17.68%-3.90%-7.92%1.77%11.16%13.65%-3.05%
20220.29%3.61%-6.94%-1.53%5.54%0.15%4.99%-0.47%-2.82%7.30%-0.87%-4.14%4.21%
20210.08%10.39%6.21%-1.71%2.58%-8.98%-1.89%0.95%4.01%1.90%1.42%4.21%19.47%
2020-7.67%-4.27%-15.59%5.34%-1.18%6.55%-9.26%2.87%-8.69%10.57%9.07%2.59%-12.74%
20194.53%7.02%-5.36%-1.98%-8.11%7.58%8.09%-6.47%7.07%0.92%0.80%3.39%16.79%
20183.25%-7.34%-3.03%2.76%1.99%5.24%13.34%0.10%-2.43%-8.65%1.81%-14.01%-9.41%
2017-7.54%-3.93%2.26%2.74%-6.66%4.91%-2.64%-5.75%9.68%-0.21%4.78%-5.91%-9.54%
2016-1.27%-0.30%3.82%3.57%4.26%0.50%4.59%6.74%-0.49%-1.43%14.21%15.28%59.91%
2015-7.71%3.83%6.66%-5.41%0.32%6.47%-7.21%-0.87%-1.64%5.93%6.68%-7.08%-1.91%
2014-10.79%6.90%-2.06%-4.96%0.41%1.67%-4.75%5.41%-4.24%12.05%-3.49%6.42%0.27%
Go deeper with the Portfolio Analysis tool — backtest performance, assess risk, compare to benchmarks, and more

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 88, THFF is among the top 12% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of THFF is 8888
Overall Rank
The Sharpe Ratio Rank of THFF is 8989
Sharpe Ratio Rank
The Sortino Ratio Rank of THFF is 8787
Sortino Ratio Rank
The Omega Ratio Rank of THFF is 8484
Omega Ratio Rank
The Calmar Ratio Rank of THFF is 9191
Calmar Ratio Rank
The Martin Ratio Rank of THFF is 8989
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for First Financial Corporation (THFF) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

First Financial Corporation Sharpe ratios as of May 31, 2025 (values are recalculated daily):

  • 1-Year: 1.39
  • 5-Year: 0.42
  • 10-Year: 0.26
  • All Time: 0.27

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

The chart below shows the rolling Sharpe ratio of First Financial Corporation compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.


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Go to the full Sharpe Ratio tool to analyze any stock or portfolio. Customize time frames, set your own risk-free rate, and more

Dividends

Dividend History

First Financial Corporation provided a 3.70% dividend yield over the last twelve months, with an annual payout of $1.92 per share.


2.00%3.00%4.00%5.00%6.00%$0.00$0.50$1.00$1.50$2.00$2.5020142015201620172018201920202021202220232024
Dividends
Dividend Yield
PeriodTTM20242023202220212020201920182017201620152014
Dividend$1.92$1.35$1.53$1.07$1.06$1.04$1.03$1.02$2.50$0.99$0.98$0.97

Dividend yield

3.70%2.92%3.56%2.32%2.34%2.68%2.25%2.54%5.51%1.88%2.88%2.72%

Monthly Dividends

The table displays the monthly dividend distributions for First Financial Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025$0.51$0.00$0.00$0.51$0.00$1.02
2024$0.00$0.00$0.45$0.00$0.00$0.00$0.45$0.00$0.00$0.45$0.00$0.00$1.35
2023$0.54$0.00$0.00$0.00$0.00$0.54$0.00$0.00$0.00$0.00$0.00$0.45$1.53
2022$0.53$0.00$0.00$0.00$0.00$0.54$0.00$0.00$0.00$0.00$0.00$0.00$1.07
2021$0.53$0.00$0.00$0.00$0.00$0.53$0.00$0.00$0.00$0.00$0.00$0.00$1.06
2020$0.52$0.00$0.00$0.00$0.00$0.52$0.00$0.00$0.00$0.00$0.00$0.00$1.04
2019$0.51$0.00$0.00$0.00$0.00$0.52$0.00$0.00$0.00$0.00$0.00$0.00$1.03
2018$0.51$0.00$0.00$0.00$0.00$0.51$0.00$0.00$0.00$0.00$0.00$0.00$1.02
2017$0.50$0.00$0.00$0.00$0.00$0.50$0.00$0.00$0.00$0.00$1.50$0.00$2.50
2016$0.49$0.00$0.00$0.00$0.00$0.50$0.00$0.00$0.00$0.00$0.00$0.00$0.99
2015$0.49$0.00$0.00$0.00$0.00$0.49$0.00$0.00$0.00$0.00$0.00$0.00$0.98
2014$0.48$0.00$0.00$0.00$0.00$0.49$0.00$0.00$0.00$0.00$0.00$0.00$0.97

Dividend Yield & Payout


Dividend Yield

First Financial Corporation has a dividend yield of 3.70%, which is quite average when compared to the overall market.

Payout Ratio

First Financial Corporation has a payout ratio of 41.56%, which is quite average when compared to the overall market. This suggests that First Financial Corporation strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the First Financial Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the First Financial Corporation was 49.39%, occurring on Nov 9, 2000. Recovery took 397 trading sessions.

The current First Financial Corporation drawdown is 2.88%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-49.39%Jan 2, 1998685Nov 9, 2000397Jun 28, 20021082
-45.58%Sep 4, 2008473Jul 21, 20101519Aug 2, 20161992
-42.73%Aug 24, 2018396Mar 23, 2020603Aug 12, 2022999
-35.21%Nov 11, 2022119May 4, 2023380Nov 6, 2024499
-33.58%Dec 28, 2006147Jul 31, 2007242Jul 16, 2008389
Go to the full Drawdowns tool for more analysis options, including inflation-adjusted drawdowns, and more

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of First Financial Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Earnings Per Share

The chart presents the Earnings Per Share (EPS) performance of First Financial Corporation, comparing actual results with analytics estimates. The company has exceeded analyst expectations for EPS in the past quarter, achieving a 19.5% positive surprise.


0.600.801.001.201.401.6020212022202320242025
1.55
1.30
Actual
Estimate

Valuation

The Valuation section provides an overview of how First Financial Corporation is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for THFF, comparing it with other companies in the Banks - Regional industry. Currently, THFF has a P/E ratio of 11.2. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for THFF compared to other companies in the Banks - Regional industry. THFF currently has a PEG ratio of 0.0. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for THFF relative to other companies in the Banks - Regional industry. Currently, THFF has a P/S ratio of 2.9. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for THFF in comparison with other companies in the Banks - Regional industry. Currently, THFF has a P/B value of 1.1. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items