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ISIN
US3202181000
CUSIP
320218100
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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First Financial Corporation

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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S&P 500 Index

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%
*Multi-year figures are annualized to reflect compound growth (CAGR)

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%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20268.85%-2.76%-0.25%4.84%5.34%0.48%17.16%
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 5.76%, 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
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.


THFF Risk / Return Rank: 8080
Overall Rank
THFF Sharpe Ratio Rank: 8282
Sharpe Ratio Rank
THFF Sortino Ratio Rank: 7979
Sortino Ratio Rank
THFF Omega Ratio Rank: 7575
Omega Ratio Rank
THFF Calmar Ratio Rank: 8383
Calmar Ratio Rank
THFF Martin Ratio Rank: 8383
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 S&P 500 Index.


THFFBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

1.55

2.39

-0.84

Sortino ratio

Return per unit of downside risk

2.28

3.25

-0.98

Omega ratio

Gain probability vs. loss probability

1.27

1.43

-0.16

Calmar ratio

Return relative to maximum drawdown

3.13

3.11

+0.02

Martin ratio

Return relative to average drawdown

8.11

14.38

-6.27

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.


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$2.14$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.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
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 10mo1y 11mo
4y 10moJan 1998 - Nov 2002
2010 bear market2010
-45.58%Jul 2010
1y 10mo6y 7d
7y 10moSep 2008 - Jul 2016
COVID crash2020
-42.73%Mar 2020
1y 7mo2y 4mo
3y 11moAug 2018 - Aug 2022
2023 bear market2023
-34.92%May 2023
5mo 24d1y 4mo
1y 10moNov 2022 - Sep 2024
2007 bear market2007
-33.58%Jul 2007
7mo 5d11mo 21d
1y 6moDec 2006 - Jul 2008

Drawdown Indicators


THFFBenchmarkDifference

Max Drawdown

Largest 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 Drawdown

Current decline from peak

-0.26%

0.00%

-0.26%

Average Drawdown

Average peak-to-trough decline

-16.59%

-10.72%

-5.87%

Ulcer Index

Depth 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.


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 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
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
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