RBCAA vs. THFF

Last updated Jul 17, 2026

RBCAA (Republic 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, RBCAA returned 15.02%/yr vs 10.93%/yr for THFF. A 0.52 correlation means they provide meaningful diversification when combined.

Performance

RBCAA vs. THFF - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Republic Bancorp, Inc. (RBCAA) and First Financial Corporation (THFF). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, RBCAA achieves a 35.59% return, which is significantly higher than THFF's 32.70% return. Over the past 10 years, RBCAA has outperformed THFF with an annualized return of 15.02%, while THFF has yielded a comparatively lower 10.93% annualized return.

RBCAA

• 1D: 3.34%
• 1M: 8.79%
• 6M: 28.21%
• YTD: 35.59%
• 1Y: 27.47%
• 3Y*: 31.90%
• 5Y*: 17.99%
• 10Y*: 15.02%

THFF

• 1D: 3.09%
• 1M: 6.75%
• 6M: 25.69%
• YTD: 32.70%
• 1Y: 44.94%
• 3Y*: 36.23%
• 5Y*: 18.52%
• 10Y*: 10.93%

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

RBCAA vs. THFF - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
RBCAA Republic Bancorp, Inc.	35.59%	1.29%	30.27%	39.36%	-16.94%	44.53%	-20.18%	23.71%	4.17%	-1.55%
THFF First Financial Corporation	32.70%	36.17%	11.11%	-2.62%	4.45%	19.47%	-12.74%	16.79%	-9.41%	-9.54%

Correlation

The correlation between RBCAA and THFF is 0.77, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.77
Correlation (3Y) Calculated over the trailing 3-year period	0.77
Correlation (5Y) Calculated over the trailing 5-year period	0.73
Correlation (10Y) Calculated over the trailing 10-year period	0.68
Correlation (All Time) Calculated using the full available price history since Jul 22, 1998	0.52

Over the past year, RBCAA and THFF have become more correlated (0.77) than their long-term average of 0.52, meaning their price movements have been converging.

Fundamentals

Market Cap RBCAA : $1.61B THFF : $929.47M
EPS RBCAA : $4.24 THFF : $6.80
PE Ratio RBCAA : 21.76 THFF : 11.50
PEG Ratio RBCAA : 1.77 THFF : 0.59
PS Ratio RBCAA : 5.15 THFF : 2.89
PB Ratio RBCAA : 1.62 THFF : 1.42
Total Revenue (TTM) RBCAA : $355.22M THFF : $320.85M
Gross Profit (TTM) RBCAA : $264.60M THFF : $193.05M
EBITDA (TTM) RBCAA : $112.84M THFF : $81.43M

Return for Risk

RBCAA vs. THFF — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

RBCAA

RBCAA Risk / Return Rank: 74
RBCAA Sharpe Ratio Rank: 77
RBCAA Sortino Ratio Rank: 74
RBCAA Omega Ratio Rank: 71
RBCAA Calmar Ratio Rank: 76
RBCAA Martin Ratio Rank: 74

THFF

THFF Risk / Return Rank: 87
THFF Sharpe Ratio Rank: 88
THFF Sortino Ratio Rank: 86
THFF Omega Ratio Rank: 83
THFF Calmar Ratio Rank: 88
THFF Martin Ratio Rank: 89

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.

RBCAA vs. THFF - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Republic Bancorp, Inc. (RBCAA) 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.

	RBCAA	THFF	Difference
Sharpe ratio: Return per unit of total volatility	1.07	1.73	-0.66
Sortino ratio: Return per unit of downside risk	1.70	2.50	-0.80
Omega ratio: Gain probability vs. loss probability	1.20	1.30	-0.10
Calmar ratio: Return relative to maximum drawdown	1.73	3.43	-1.70
Martin ratio: Return relative to average drawdown	3.72	9.17	-5.45

RBCAA vs. THFF - Sharpe Ratio Comparison

The current RBCAA Sharpe Ratio is 1.07, which is lower than the THFF Sharpe Ratio of 1.73. The chart below compares the historical Sharpe Ratios of RBCAA and THFF, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

RBCAA vs. THFF - Drawdown Comparison

The maximum RBCAA drawdown since its inception was -64.45%, which is greater than THFF's maximum drawdown of -51.80%. Use the drawdown chart below to compare losses from any high point for RBCAA and THFF.

Drawdown Indicators

	RBCAA	THFF	Difference
Max Drawdown Largest peak-to-trough decline	-64.45%	-51.80%	-12.65%
Max Drawdown (1Y) Largest decline over 1 year	-15.98%	-13.18%	-2.80%
Max Drawdown (3Y) Largest decline over 3 years	-21.56%	-20.25%	-1.31%
Max Drawdown (5Y) Largest decline over 5 years	-31.07%	-34.92%	+3.85%
Max Drawdown (10Y) Largest decline over 10 years	-44.67%	-42.73%	-1.94%
Current Drawdown Current decline from peak	-0.53%	-0.03%	-0.50%
Average Drawdown Average peak-to-trough decline	-19.91%	-16.53%	-3.38%
Ulcer Index Depth and duration of drawdowns from previous peaks	7.41%	4.91%	+2.50%

Volatility

RBCAA vs. THFF - Volatility Comparison

Republic Bancorp, Inc. (RBCAA) has a higher volatility of 6.17% compared to First Financial Corporation (THFF) at 5.75%. This indicates that RBCAA's price experiences larger fluctuations and is considered to be riskier than THFF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	RBCAA	THFF	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.17%	5.75%	+0.42%
Volatility (6M) Calculated over the trailing 6-month period	18.62%	18.20%	+0.42%
Volatility (1Y) Calculated over the trailing 1-year period	25.78%	26.12%	-0.34%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	27.89%	26.28%	+1.61%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	32.89%	29.23%	+3.66%

Dividends

RBCAA vs. THFF - Dividend Comparison

RBCAA's dividend yield for the trailing twelve months is around 2.05%, less than THFF's 2.80% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
RBCAA Republic Bancorp, Inc.	2.05%	2.61%	2.33%	2.71%	3.33%	2.42%	3.17%	2.26%	2.50%	2.29%	2.09%	2.96%
THFF First Financial Corporation	2.80%	3.38%	2.92%	4.02%	2.54%	2.34%	2.68%	2.25%	2.54%	5.51%	1.88%	2.88%

Financials

Frequently Asked Questions

Can I hold both RBCAA and THFF in my portfolio?

RBCAA and THFF have a correlation of 0.77, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, RBCAA or THFF?

RBCAA has higher volatility (6.17%) compared to THFF (5.75%). In terms of maximum drawdown, RBCAA dropped -64.45% vs THFF's -51.80%.

Which has better risk-adjusted returns?

THFF currently has the higher Sharpe Ratio (1.73 vs 1.07), 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.