- ISIN
- US3202181000
- CUSIP
- 320218100
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Mar 3, 1992
Highlights
- Market Cap
- $826.13M
- Enterprise Value
- $1.43B
- EPS (TTM)
- $6.80
- PE Ratio
- 10.23
- PEG Ratio
- 0.53
- Total Revenue (TTM)
- $320.85M
- Gross Profit (TTM)
- $193.05M
- EBITDA (TTM)
- $81.43M
- Year Range
- $49.70 - $70.29
- Target Price
- $50.00
- ROA (TTM)
- 1.32%
- ROE (TTM)
- 12.30%
Share Price Chart
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Performance
THFF Performance Chart
First Financial Corporation (THFF) is up 17.2% since the beginning of the year. At $70 per share, THFF is trading just below its 52-week high of $70. Investors who bought $1,000 worth of THFF shares 5 years ago would now be looking at an investment worth $1,815.
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Returns By Period
First Financial Corporation (THFF) has returned 17.16% so far this year and 41.12% over the past 12 months. Over the last ten years, THFF has returned 9.88% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.
First Financial Corporation
- 1D
- 1.68%
- 1M
- 5.17%
- YTD
- 17.16%
- 6M
- 19.63%
- 1Y
- 41.12%
- 3Y*
- 30.93%
- 5Y*
- 12.66%
- 10Y*
- 9.88%
Benchmark (S&P 500 Index)
- 1D
- 0.13%
- 1M
- 5.25%
- YTD
- 11.16%
- 6M
- 11.43%
- 1Y
- 28.20%
- 3Y*
- 21.12%
- 5Y*
- 12.66%
- 10Y*
- 13.75%
THFF Monthly Returns History
Based on dividend-adjusted daily data since Mar 3, 1992, THFF's average daily return is +0.06%, while the average monthly return is +0.97%. At this rate, an investment would double in approximately 6.0 years.
Historically, 55% of months were positive and 45% were negative. The best month was Dec 1997 with a return of +42.0%, while the worst month was Jul 2007 at -20.0%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 7 months.
On a daily basis, THFF closed higher 44% of trading days. The best single day was Oct 10, 2008 with a return of +25.4%, while the worst single day was Dec 1, 2008 at -25.6%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 8.85% | -2.76% | -0.25% | 4.84% | 5.34% | 0.48% | 17.16% | ||||||
| 2025 | 5.50% | 7.30% | -5.28% | 1.92% | 4.94% | 4.53% | -0.24% | 10.18% | -4.34% | -4.67% | 9.47% | 3.51% | 36.17% |
| 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 | -0.92% | -2.16% | -14.72% | -7.82% | -6.11% | 1.66% | 17.68% | -3.90% | -7.92% | 1.77% | 11.16% | 13.65% | -2.62% |
| 2022 | 0.51% | 3.61% | -6.94% | -1.52% | 5.54% | 0.15% | 4.99% | -0.47% | -2.82% | 7.30% | -0.87% | -4.14% | 4.45% |
| 2021 | 0.08% | 10.39% | 6.21% | -1.71% | 2.58% | -8.98% | -1.89% | 0.95% | 4.01% | 1.90% | 1.42% | 4.21% | 19.47% |
Benchmark Metrics
First Financial Corporation has an annualized alpha of 5.76%, beta of 0.89, and R2 of 0.22 versus S&P 500 Index. Calculated based on daily prices since March 04, 1992.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (58.39%) than losses (46.64%) - typical of diversified or defensive assets.
- R2 of 0.22 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 5.76%
- Beta
- 0.89
- R²
- 0.22
- Upside Capture
- 58.39%
- Downside Capture
- 46.64%
Return for Risk
Risk / Return Rank
THFF ranks 80 for risk / return — in the top 80% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for First Financial Corporation (THFF) and compare them to S&P 500 Index.
| THFF | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.55 | 2.39 | -0.84 |
Sortino ratioReturn per unit of downside risk | 2.28 | 3.25 | -0.98 |
Omega ratioGain probability vs. loss probability | 1.27 | 1.43 | -0.16 |
Calmar ratioReturn relative to maximum drawdown | 3.13 | 3.11 | +0.02 |
Martin ratioReturn relative to average drawdown | 8.11 | 14.38 | -6.27 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
First Financial Corporation provided a 3.08% dividend yield over the last twelve months, with an annual payout of $2.14 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $2.14 | $2.04 | $1.35 | $1.73 | $1.17 | $1.06 | $1.04 | $1.03 | $1.02 | $2.50 | $0.99 | $0.98 |
Dividend yield | 3.08% | 3.38% | 2.92% | 4.02% | 2.54% | 2.34% | 2.68% | 2.25% | 2.54% | 5.51% | 1.88% | 2.88% |
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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.56 | $0.00 | $0.00 | $0.56 | $0.00 | $0.00 | $1.12 | ||||||
| 2025 | $0.51 | $0.00 | $0.00 | $0.51 | $0.00 | $0.00 | $0.51 | $0.00 | $0.00 | $0.51 | $0.00 | $0.00 | $2.04 |
| 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 | $0.74 | $0.00 | $0.00 | $0.00 | $0.00 | $0.54 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.45 | $1.73 |
| 2022 | $0.63 | $0.00 | $0.00 | $0.00 | $0.00 | $0.54 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.17 |
| 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 |
Dividend Yield & Payout
Dividend Yield
First Financial Corporation has a dividend yield of 3.08%, which is quite average when compared to the overall market.
Payout Ratio
First Financial Corporation has a payout ratio of 29.98%, 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 51.80%, occurring on Nov 9, 2000. Recovery took 494 trading sessions.
The current First Financial Corporation drawdown is 0.26%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Dot-com crash2000–2002 | -51.80%Nov 2000 | 2y 10mo | 1y 11mo | 4y 10moJan 1998 - Nov 2002 |
2010 bear market2010 | -45.58%Jul 2010 | 1y 10mo | 6y 7d | 7y 10moSep 2008 - Jul 2016 |
COVID crash2020 | -42.73%Mar 2020 | 1y 7mo | 2y 4mo | 3y 11moAug 2018 - Aug 2022 |
2023 bear market2023 | -34.92%May 2023 | 5mo 24d | 1y 4mo | 1y 10moNov 2022 - Sep 2024 |
2007 bear market2007 | -33.58%Jul 2007 | 7mo 5d | 11mo 21d | 1y 6moDec 2006 - Jul 2008 |
Drawdown Indicators
| THFF | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -51.80% | -56.78% | +4.98% |
Max Drawdown (1Y)Largest decline over 1 year | -13.18% | -9.10% | -4.08% |
Max Drawdown (3Y)Largest decline over 3 years | -20.25% | -18.90% | -1.35% |
Max Drawdown (5Y)Largest decline over 5 years | -34.92% | -25.43% | -9.49% |
Max Drawdown (10Y)Largest decline over 10 years | -42.73% | -33.92% | -8.81% |
Current DrawdownCurrent decline from peak | -0.26% | 0.00% | -0.26% |
Average DrawdownAverage peak-to-trough decline | -16.59% | -10.72% | -5.87% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.08% | 1.97% | +3.11% |
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.
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 10.2. 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 0.5. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
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 2.6. 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 1.3. 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 | |
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Cost Of Revenue | — |
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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 | — |
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