GABC vs. THFF
GABC (German American Bancorp, Inc.) and THFF (First Financial Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, GABC returned 10.99%/yr vs 11.02%/yr for THFF. Their 0.41 correlation means their historical movements had little consistent relationship.
Performance
GABC vs. THFF - Performance Comparison
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Returns By Period
In the year-to-date period, GABC achieves a 31.71% return, which is significantly lower than THFF's 36.76% return. Both investments have delivered pretty close results over the past 10 years, with GABC having a 10.99% annualized return and THFF not far ahead at 11.02%.
GABC
- 1D
- -0.45%
- 1M
- 6.89%
- 6M
- 22.66%
- YTD
- 31.71%
- 1Y
- 39.27%
- 3Y*
- 23.66%
- 5Y*
- 9.22%
- 10Y*
- 10.99%
- ALL TIME*
- 9.26%
THFF
- 1D
- -0.36%
- 1M
- 4.58%
- 6M
- 25.63%
- YTD
- 36.76%
- 1Y
- 59.00%
- 3Y*
- 32.79%
- 5Y*
- 18.94%
- 10Y*
- 11.02%
- ALL TIME*
- 9.64%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $9.16M | $8.18M | $7.59M | |
| $7.65M | $8.09M | $7.71M |
GABC vs. THFF - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
GABC German American Bancorp, Inc. | 31.71% | 0.34% | 27.90% | -10.24% | -1.96% | 20.32% | -4.72% | 31.11% | -20.02% | 2.31% |
THFF First Financial Corporation | 36.76% | 36.17% | 11.11% | -2.62% | 4.45% | 19.47% | -12.74% | 16.79% | -9.41% | -9.54% |
Correlation
The correlation between GABC and THFF is 0.82, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.82 |
Correlation (3Y) Balances recent behavior with more history. | 0.79 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.75 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.74 |
Correlation (All Time) Calculated using the full available price history since May 21, 1993 | 0.42 |
Over the past year, GABC and THFF have become more correlated (0.82) than their long-term average of 0.41, meaning their price movements have been converging.
Fundamentals
GABC:
$1.91B
THFF:
$957.89M
GABC:
$3.81
THFF:
$7.14
GABC:
13.35
THFF:
11.28
GABC:
3.77
THFF:
2.98
GABC:
1.58
THFF:
1.42
GABC:
$503.04M
THFF:
$320.51M
GABC:
$379.75M
THFF:
$188.89M
GABC:
$200.62M
THFF:
$72.01M
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Return for Risk
GABC vs. THFF — Risk / Return Rank
GABC
THFF
GABC vs. THFF - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for German American Bancorp, Inc. (GABC) and First Financial Corporation (THFF). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| GABC | THFF | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.52 | ||
| Sortino ratioReturn per unit of downside risk | -0.59 | ||
| Omega ratioGain probability vs. loss probability | 1.28 | 1.36 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 3.23 | 4.25 | -1.02 |
| Martin ratioReturn relative to average drawdown | 8.34 | 11.66 | -3.32 |
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Drawdowns
GABC vs. THFF - Drawdown Comparison
The maximum GABC drawdown since its inception was -63.37%, which is greater than THFF's maximum drawdown of -51.80%. Use the drawdown chart below to compare losses from any high point for GABC and THFF.
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Drawdown Indicators
| GABC | THFF | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -63.37% | -51.80% | -11.57% |
Max Drawdown (1Y)Largest decline over 1 year | -11.30% | -13.18% | +1.88% |
Max Drawdown (3Y)Largest decline over 3 years | -25.32% | -20.25% | -5.07% |
Max Drawdown (5Y)Largest decline over 5 years | -38.28% | -34.92% | -3.36% |
Max Drawdown (10Y)Largest decline over 10 years | -45.47% | -42.73% | -2.74% |
Current DrawdownCurrent decline from peak | -0.84% | -0.36% | -0.48% |
Average DrawdownAverage peak-to-trough decline | -21.96% | -16.51% | -5.45% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.37% | 4.79% | -0.42% |
Volatility
GABC vs. THFF - Volatility Comparison
German American Bancorp, Inc. (GABC) and First Financial Corporation (THFF) have volatilities of 6.88% and 6.86%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| GABC | THFF | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.88% | 6.86% | +0.02% |
Volatility (6M)Calculated over the trailing 6-month period | 14.53% | 16.88% | -2.35% |
Volatility (1Y)Calculated over the trailing 1-year period | 22.76% | 26.31% | -3.55% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 26.48% | 26.30% | +0.18% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 28.84% | 29.26% | -0.42% |
Dividends
GABC vs. THFF - Dividend Comparison
GABC's dividend yield for the trailing twelve months is around 2.36%, less than THFF's 2.72% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GABC German American Bancorp, Inc. | 2.36% | 2.96% | 2.69% | 3.09% | 2.47% | 2.15% | 2.30% | 1.91% | 2.16% | 1.46% | 1.37% | 2.04% |
THFF First Financial Corporation | 2.72% | 3.38% | 2.92% | 4.02% | 2.54% | 2.34% | 2.68% | 2.25% | 2.54% | 5.51% | 1.88% | 2.88% |
Financials
GABC vs. THFF - Financials Comparison
This section allows you to compare key financial metrics between German American Bancorp, Inc. and First Financial Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
GABC vs. THFF - Profitability Comparison
GABC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, German American Bancorp, Inc. reported a gross profit of 98.45M and revenue of 126.93M. Therefore, the gross margin over that period was 77.6%.
THFF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, First Financial Corporation reported a gross profit of 0.00 and revenue of 84.22M. Therefore, the gross margin over that period was 0.0%.
GABC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, German American Bancorp, Inc. reported an operating income of 48.07M and revenue of 126.93M, resulting in an operating margin of 37.9%.
THFF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, First Financial Corporation reported an operating income of 0.00 and revenue of 84.22M, resulting in an operating margin of 0.0%.
GABC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, German American Bancorp, Inc. reported a net income of 38.17M and revenue of 126.93M, resulting in a net margin of 30.1%.
THFF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, First Financial Corporation reported a net income of 22.74M and revenue of 84.22M, resulting in a net margin of 27.0%.
Frequently Asked Questions
GABC and THFF have a correlation of 0.82, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
GABC has higher volatility (6.88%) compared to THFF (6.86%). In terms of maximum drawdown, GABC dropped -63.37% vs THFF's -51.80%.
THFF currently has the higher Sharpe Ratio (2.13 vs 1.61), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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