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First Financial Corporation (THFF)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US3202181000
CUSIP
320218100
IPO Date
Mar 3, 1992

Highlights

EPS (TTM)
$10.65
PE Ratio
5.94
PEG Ratio
0.31
Total Revenue (TTM)
$305.59M
Gross Profit (TTM)
$185.44M
EBITDA (TTM)
$81.46M
Year Range
$42.05 - $69.21
Target Price
$50.00
ROA (TTM)
1.46%
ROE (TTM)
12.92%

Share Price Chart


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First Financial Corporation

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in First Financial Corporation, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

First Financial Corporation (THFF) has returned 5.58% so far this year and 34.07% 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 12.16% annually.


First Financial Corporation

1D
0.89%
1M
-0.25%
YTD
5.58%
6M
14.06%
1Y
34.07%
3Y*
23.46%
5Y*
10.43%
10Y*
9.88%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Mar 3, 1992, THFF's average daily return is +0.06%, while the average monthly return is +0.95%. At this rate, your investment would double in approximately 6.1 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%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20268.85%-2.76%-0.25%5.58%
20255.50%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%
20220.51%3.61%-6.94%-1.52%5.54%0.15%4.99%-0.47%-2.82%7.30%-0.87%-4.14%4.45%
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%

Benchmark Metrics

First Financial Corporation has an annualized alpha of 5.89%, 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 (58.33%) 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
5.89%
Beta
0.89
0.22
Upside Capture
58.33%
Downside Capture
46.64%

Return for Risk

Risk / Return Rank

THFF ranks 76 for risk / return — better than 76% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


THFF Risk / Return Rank: 7676
Overall Rank
THFF Sharpe Ratio Rank: 7878
Sharpe Ratio Rank
THFF Sortino Ratio Rank: 7373
Sortino Ratio Rank
THFF Omega Ratio Rank: 7070
Omega Ratio Rank
THFF Calmar Ratio Rank: 8282
Calmar Ratio Rank
THFF Martin Ratio Rank: 8080
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for First Financial Corporation (THFF) and compare them to a chosen benchmark (S&P 500 Index).


THFFBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

1.17

0.90

+0.27

Sortino ratio

Return per unit of downside risk

1.78

1.39

+0.40

Omega ratio

Gain probability vs. loss probability

1.22

1.21

+0.01

Calmar ratio

Return relative to maximum drawdown

2.56

1.40

+1.16

Martin ratio

Return relative to average drawdown

6.06

6.61

-0.55

Explore THFF risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History

First Financial Corporation provided a 3.31% dividend yield over the last twelve months, with an annual payout of $2.09 per share.


2.00%3.00%4.00%5.00%6.00%$0.00$0.50$1.00$1.50$2.00$2.5020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$2.09$2.04$1.35$1.73$1.17$1.06$1.04$1.03$1.02$2.50$0.99$0.98

Dividend yield

3.31%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.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.56$0.00$0.00$0.56
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 3.31%, which is quite average when compared to the overall market.

Payout Ratio

First Financial Corporation has a payout ratio of 27.86%, 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 7.15%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-51.8%Jan 2, 1998722Nov 9, 2000494Nov 1, 20021216
-45.58%Sep 4, 2008473Jul 21, 20101514Jul 26, 20161987
-42.73%Aug 24, 2018396Mar 23, 2020603Aug 12, 2022999
-34.92%Nov 11, 2022119May 4, 2023346Sep 19, 2024465
-33.58%Dec 28, 2006147Jul 31, 2007242Jul 16, 2008389

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

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 5.9. This P/E ratio is considered low compared to industry peers, which may suggest that the stock is undervalued or that the company has weaker growth prospects.

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 0.3. 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 1.6. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

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