THFF vs. RBCAA

Last updated Jun 5, 2026

THFF (First Financial Corporation) and RBCAA (Republic Bancorp, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, THFF returned 10.06%/yr vs 14.82%/yr for RBCAA. A 0.52 correlation means they provide meaningful diversification when combined.

Performance

THFF vs. RBCAA - Performance Comparison

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

Returns By Period

In the year-to-date period, THFF achieves a 19.08% return, which is significantly lower than RBCAA's 22.91% return. Over the past 10 years, THFF has underperformed RBCAA with an annualized return of 10.06%, while RBCAA has yielded a comparatively higher 14.82% annualized return.

THFF

• 1D: 4.50%
• 1M: 5.12%
• YTD: 19.08%
• 6M: 17.58%
• 1Y: 45.01%
• 3Y*: 32.75%
• 5Y*: 13.22%
• 10Y*: 10.06%

RBCAA

• 1D: 3.98%
• 1M: 10.07%
• YTD: 22.91%
• 6M: 23.72%
• 1Y: 26.23%
• 3Y*: 27.83%
• 5Y*: 15.86%
• 10Y*: 14.82%

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

THFF vs. RBCAA - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
THFF First Financial Corporation	19.08%	36.17%	11.11%	-2.62%	4.45%	19.47%	-12.74%	16.79%	-9.41%	-9.54%
RBCAA Republic Bancorp, Inc.	22.91%	1.29%	30.27%	39.36%	-16.94%	44.53%	-20.18%	23.71%	4.17%	-1.55%

Correlation

The correlation between THFF and RBCAA 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	0.78
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 23, 1998	0.52

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

Fundamentals

Market Cap THFF : $839.68M RBCAA : $1.67B
EPS THFF : $6.80 RBCAA : $4.24
PE Ratio THFF : 10.39 RBCAA : 19.83
PEG Ratio THFF : 0.53 RBCAA : 1.62
PS Ratio THFF : 2.61 RBCAA : 4.69
PB Ratio THFF : 1.28 RBCAA : 1.47
Total Revenue (TTM) THFF : $320.85M RBCAA : $355.22M
Gross Profit (TTM) THFF : $193.05M RBCAA : $264.60M
EBITDA (TTM) THFF : $81.43M RBCAA : $112.84M

Return for Risk

THFF vs. RBCAA — Risk / Return Rank

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

THFF

THFF Risk / Return Rank: 83
THFF Sharpe Ratio Rank: 84
THFF Sortino Ratio Rank: 82
THFF Omega Ratio Rank: 79
THFF Calmar Ratio Rank: 85
THFF Martin Ratio Rank: 85

RBCAA

RBCAA Risk / Return Rank: 69
RBCAA Sharpe Ratio Rank: 72
RBCAA Sortino Ratio Rank: 68
RBCAA Omega Ratio Rank: 64
RBCAA Calmar Ratio Rank: 70
RBCAA Martin Ratio Rank: 69

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. RBCAA - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for First Financial Corporation (THFF) and Republic Bancorp, Inc. (RBCAA). 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	RBCAA	Difference
Sharpe ratio: Return per unit of total volatility	1.67	1.00	+0.67
Sortino ratio: Return per unit of downside risk	2.43	1.62	+0.80
Omega ratio: Gain probability vs. loss probability	1.29	1.19	+0.10
Calmar ratio: Return relative to maximum drawdown	3.43	1.65	+1.78
Martin ratio: Return relative to average drawdown	8.88	3.44	+5.43
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. RBCAA - Sharpe Ratio Comparison

The current THFF Sharpe Ratio is 1.67, which is higher than the RBCAA Sharpe Ratio of 1.00. The chart below compares the historical Sharpe Ratios of THFF and RBCAA, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	THFF	RBCAA	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.67	1.00	+0.67
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.50	0.57	-0.07
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.35	0.45	-0.11
Sharpe Ratio (All Time) Calculated using the full available price history	0.27	0.25	+0.02

Drawdowns

THFF vs. RBCAA - Drawdown Comparison

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

Drawdown Indicators

	THFF	RBCAA	Difference
Max Drawdown Largest peak-to-trough decline	-51.80%	-64.45%	+12.65%
Max Drawdown (1Y) Largest decline over 1 year	-13.18%	-15.98%	+2.80%
Max Drawdown (3Y) Largest decline over 3 years	-20.25%	-21.56%	+1.31%
Max Drawdown (5Y) Largest decline over 5 years	-34.92%	-31.07%	-3.85%
Max Drawdown (10Y) Largest decline over 10 years	-42.73%	-44.67%	+1.94%
Current Drawdown Current decline from peak	0.00%	0.00%	0.00%
Average Drawdown Average peak-to-trough decline	-16.58%	-19.98%	+3.40%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.09%	7.63%	-2.54%

Volatility

THFF vs. RBCAA - Volatility Comparison

First Financial Corporation (THFF) has a higher volatility of 7.81% compared to Republic Bancorp, Inc. (RBCAA) at 6.85%. This indicates that THFF's price experiences larger fluctuations and is considered to be riskier than RBCAA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	THFF	RBCAA	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.81%	6.85%	+0.96%
Volatility (6M) Calculated over the trailing 6-month period	18.79%	19.01%	-0.22%
Volatility (1Y) Calculated over the trailing 1-year period	27.11%	26.33%	+0.78%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	26.50%	27.90%	-1.40%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	29.23%	32.93%	-3.70%

Dividends

THFF vs. RBCAA - Dividend Comparison

THFF's dividend yield for the trailing twelve months is around 3.03%, more than RBCAA's 2.20% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
RBCAA Republic Bancorp, Inc.	2.20%	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	3.03%	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 THFF and RBCAA in my portfolio?

THFF and RBCAA 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, THFF or RBCAA?

THFF has higher volatility (7.81%) compared to RBCAA (6.85%). In terms of maximum drawdown, THFF dropped -51.80% vs RBCAA's -64.45%.

Which has better risk-adjusted returns?

THFF currently has the higher Sharpe Ratio (1.67 vs 1.00), 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.