THFF vs. GABC

Last updated Apr 1, 2026

Compare and contrast key facts about First Financial Corporation (THFF) and German American Bancorp, Inc. (GABC).

Performance

THFF vs. GABC - Performance Comparison

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

THFF vs. GABC - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
THFF First Financial Corporation	5.58%	36.17%	11.11%	-2.62%	4.45%	19.47%	-12.74%	16.79%	-9.41%	-9.54%
GABC German American Bancorp, Inc.	7.42%	0.34%	27.90%	-10.24%	-1.96%	20.32%	-4.72%	31.11%	-20.02%	2.31%

Fundamentals

EPS THFF : $10.65 GABC : $3.07
PE Ratio THFF : 5.94 GABC : 13.62
PS Ratio THFF : 1.63 GABC : 3.65
Total Revenue (TTM) THFF : $305.59M GABC : $420.09M
Gross Profit (TTM) THFF : $185.44M GABC : $248.25M
EBITDA (TTM) THFF : $81.46M GABC : $109.97M

Returns By Period

In the year-to-date period, THFF achieves a 5.58% return, which is significantly lower than GABC's 7.42% return. Both investments have delivered pretty close results over the past 10 years, with THFF having a 9.88% annualized return and GABC not far behind at 9.45%.

THFF

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

GABC

• 1D: 0.87%
• 1M: 1.09%
• YTD: 7.42%
• 6M: 7.96%
• 1Y: 14.77%
• 3Y*: 11.19%
• 5Y*: 0.50%
• 10Y*: 9.45%

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

Return for Risk

THFF vs. GABC — Risk / Return Rank

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

THFF

THFF Risk / Return Rank: 77
THFF Sharpe Ratio Rank: 78
THFF Sortino Ratio Rank: 74
THFF Omega Ratio Rank: 71
THFF Calmar Ratio Rank: 82
THFF Martin Ratio Rank: 81

GABC

GABC Risk / Return Rank: 62
GABC Sharpe Ratio Rank: 64
GABC Sortino Ratio Rank: 56
GABC Omega Ratio Rank: 54
GABC Calmar Ratio Rank: 68
GABC Martin Ratio Rank: 67

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.

THFF vs. GABC - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for First Financial Corporation (THFF) and German American Bancorp, Inc. (GABC). 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.

	THFF	GABC	Difference
Sharpe ratio Return per unit of total volatility	1.17	0.61	+0.56
Sortino ratio Return per unit of downside risk	1.78	1.02	+0.77
Omega ratio Gain probability vs. loss probability	1.22	1.13	+0.09
Calmar ratio Return relative to maximum drawdown	2.56	1.26	+1.31
Martin ratio Return relative to average drawdown	6.06	2.86	+3.19
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

THFF vs. GABC - Sharpe Ratio Comparison

The current THFF Sharpe Ratio is 1.17, which is higher than the GABC Sharpe Ratio of 0.61. The chart below compares the historical Sharpe Ratios of THFF and GABC, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	THFF	GABC	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.17	0.61	+0.56
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.40	0.02	+0.38
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.34	0.33	+0.01
Sharpe Ratio (All Time) Calculated using the full available price history	0.26	0.26	0.00

Correlation

The correlation between THFF and GABC is 0.41, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

THFF vs. GABC - Dividend Comparison

THFF's dividend yield for the trailing twelve months is around 3.31%, more than GABC's 2.82% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
THFF First Financial Corporation	3.31%	3.38%	2.92%	4.02%	2.54%	2.34%	2.68%	2.25%	2.54%	5.51%	1.88%	2.88%
GABC German American Bancorp, Inc.	2.82%	2.96%	2.69%	3.09%	2.47%	2.15%	2.30%	1.91%	2.16%	1.46%	1.37%	2.04%

Drawdowns

THFF vs. GABC - Drawdown Comparison

The maximum THFF drawdown since its inception was -51.80%, smaller than the maximum GABC drawdown of -63.37%. Use the drawdown chart below to compare losses from any high point for THFF and GABC.

Drawdown Indicators

	THFF	GABC	Difference
Max Drawdown Largest peak-to-trough decline	-51.80%	-63.37%	+11.57%
Max Drawdown (1Y) Largest decline over 1 year	-13.18%	-11.30%	-1.88%
Max Drawdown (5Y) Largest decline over 5 years	-34.92%	-41.41%	+6.49%
Max Drawdown (10Y) Largest decline over 10 years	-42.73%	-45.47%	+2.74%
Current Drawdown Current decline from peak	-7.15%	-6.35%	-0.80%
Average Drawdown Average peak-to-trough decline	-16.66%	-22.16%	+5.50%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.58%	4.96%	+0.62%

Volatility

THFF vs. GABC - Volatility Comparison

First Financial Corporation (THFF) has a higher volatility of 6.16% compared to German American Bancorp, Inc. (GABC) at 5.52%. This indicates that THFF's price experiences larger fluctuations and is considered to be riskier than GABC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	THFF	GABC	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.16%	5.52%	+0.64%
Volatility (6M) Calculated over the trailing 6-month period	20.25%	17.32%	+2.93%
Volatility (1Y) Calculated over the trailing 1-year period	29.27%	24.41%	+4.86%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	26.30%	26.79%	-0.49%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	29.13%	28.94%	+0.19%

Financials

THFF vs. GABC - Profitability Comparison

The chart below illustrates the profitability comparison between First Financial Corporation and German American Bancorp, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

THFF - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, First Financial Corporation reported a gross profit of 0.00 and revenue of 49.69M. Therefore, the gross margin over that period was 0.0%.

GABC - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, German American Bancorp, Inc. reported a gross profit of 0.00 and revenue of 59.34M. Therefore, the gross margin over that period was 0.0%.

THFF - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, First Financial Corporation reported an operating income of 0.00 and revenue of 49.69M, resulting in an operating margin of 0.0%.

GABC - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, German American Bancorp, Inc. reported an operating income of 0.00 and revenue of 59.34M, resulting in an operating margin of 0.0%.

THFF - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, First Financial Corporation reported a net income of 26.36M and revenue of 49.69M, resulting in a net margin of 53.0%.

GABC - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, German American Bancorp, Inc. reported a net income of 35.68M and revenue of 59.34M, resulting in a net margin of 60.1%.