First Financial Corp (THFF) stock
THFFNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 4, 2026Score 15/303% above fair value
$77.11−0.10 (-0.13%)
Close on Nov 11, 2026Market cap $916.98MP/E 10.0Yield 2.71%
First Financial statistics
93 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 2, 2027 (estimated, during market hours)
- Last ex-dividend date
- Oct 1, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 11, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.68
- 1.52
- P/OCF Ratio
- 8.61
- 9.79
Enterprise valuationIndustry
- EV / Sales
- 2.89
- 2.95
- EV / FCF
- 8.07
- 8.53
Share statisticsIndustry
- Shares Change (YoY)
- 0.35%
- 0.35%
- Shares Change (QoQ)
- 0.00%
- 0.00%
- Float
- 11M
- 17M
- Shares Held by Insiders
- 8.63%
- 6.05%
- Shares Held by Institutions
- 81.6%
- 61.3%
Short sellingIndustry
- Short Interest
- 413,125
- –
- Short Interest Change
- -6.55%
- -4.13%
- Short % of Float
- 3.80%
- 3.58%
- Short % of Shares Outstanding
- 3.47%
- 3.18%
- Days to Cover
- 2.91
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $84.17
- –
- 52-Week Low
- $54.76
- –
- 20-Day Moving Average
- $76.45
- –
- 50-Day Moving Average
- $76.03
- –
- 200-Day Moving Average
- $71.83
- –
- Average True Range (14)
- $1.79
- –
- Price Change (1 Week)
- -2.66%
- -1.44%
- Price Change (1 Month)
- 5.08%
- 4.50%
- Price Change (3 Months)
- -5.92%
- -3.21%
- Price Change (6 Months)
- 17.1%
- 11.7%
- Price Change (YTD)
- 27.6%
- 19.9%
- Price Change (1 Year)
- 35.4%
- 26.3%
- Price Change (3 Years)
- 115.8%
- 77.8%
- Price Change (5 Years)
- 72.5%
- 26.4%
- Price Change (10 Years)
- 80.2%
- 68.6%
- Average Volume (10 Days)
- 151,705
- –
- Average Volume (20 Days)
- 151,190
- –
- Average Volume (90 Days)
- 117,251
- –
- Relative Volume
- 0.72
- 0.63
- Relative Strength Index (14)
- 53.1
- 53.3
- Volatility (1 Year)
- 23.6%
- 24.4%
- Beta (5 Years)
- 0.55
- 0.63
MarginsIndustry
- Pretax Margin
- 39.8%
- 36.9%
- FCF Margin
- 35.8%
- 33.6%
Returns on capitalIndustry
- Return on Equity (ROE)
- 14.3%
- 10.7%
- Return on Assets (ROA)
- 1.56%
- 1.15%
GrowthIndustry
- Revenue Growth (YoY)
- 12.8%
- 11.8%
- Net Income Growth (YoY)
- 23.6%
- 23.0%
- EPS Growth (YoY)
- 23.4%
- 21.9%
- FCF Growth (YoY)
- 40.7%
- 28.2%
- Revenue Growth (3Y CAGR)
- 7.33%
- 5.82%
- Revenue Growth (5Y CAGR)
- 6.76%
- 6.17%
- EPS Growth (3Y CAGR)
- 4.70%
- 1.31%
- EPS Growth (5Y CAGR)
- 11.2%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $301.83K
- $359.04K
- Profits Per Employee
- $96.66K
- $109.67K
- Employee Count
- 946
- 492
- WACC
- 7.63%
- 7.92%
Income statement (TTM)Industry
- Pretax Income
- $113.55M
- $74.28M
Balance sheetIndustry
- Net Cash (Debt)
- $92.50M
- $162.29M
- Net Cash Per Share
- $7.78
- $8.13
- Equity (Book Value)
- $660.45M
- $570.13M
- Book Value Per Share
- $55.54
- $28.27
- Tangible Book Value
- $544.59M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$4.28M
- -$4.28M
- FCF Per Share
- $8.60
- $3.31
Dividends and yieldsIndustry
- Earnings Yield
- 9.97%
- 8.25%
- FCF Yield
- 11.1%
- 9.17%
- Dividend Yield
- 2.71%
- 2.45%
- Buyback Yield
- 0.04%
- 1.79%
- Shareholder Yield
- 2.75%
- 3.21%
- Dividend Per Share
- $2.09
- $0.92
- Dividend Growth (YoY)
- 12.4%
- 4.26%
- Years of Dividend Growth
- 2
- 2
- Payout Ratio
- 28.4%
- 29.0%
- FCF Payout Ratio
- 25.5%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $22.11M
- $15.94M
- Effective Tax Rate
- 19.5%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $98.09
- $45.42
- Graham Upside
- 27.2%
- 18.7%
- Altman Z-Score
- 0.33
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $86.18
- –
- Lynch Upside
- 11.8%
- -0.72%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 11, 2026. The S&P 500 is measured by the SPY fund.
| Period | THFF | S&P 500 | Difference | THFF per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +5.9% | -2.4% | +8.3 pts | ||
| 3 months | -4.5% | -1.2% | −3.3 pts | ||
| Year to date | +31.9% | +12.3% | +19.6 pts | ||
| 1 year | +40.8% | +12.4% | +28.4 pts | ||
| 3 years | +142.8% | +78.8% | +64.0 pts | +34.4% | +21.4% |
| 5 years | +104.0% | +75.2% | +28.8 pts | +15.3% | +11.9% |
| 10 years | +149.9% | +311.1% | −161.2 pts | +9.6% | +15.2% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M THFF shares were sold short on Oct 30, 2026, down 6.6% from the previous report, or 3.80% of the shares available to trade. At recent volumes it would take 2.9 days to buy them back. Over the last 20 sessions, 56.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 413,125 | -6.6% | 141,776 | 2.9 |
| Oct 15, 2026 | 442,097 | +4.7% | 108,226 | 4.1 |
| Sep 30, 2026 | 422,353 | +5.7% | 134,021 | 3.1 |
| Sep 15, 2026 | 399,683 | +6.7% | 118,694 | 3.4 |
| Aug 31, 2026 | 374,501 | -0.3% | 89,685 | 4.2 |
| Aug 14, 2026 | 375,539 | +4.8% | 88,062 | 4.3 |
| Jul 31, 2026 | 358,400 | +4.8% | 99,687 | 3.6 |
| Jul 15, 2026 | 341,899 | -10.5% | 112,337 | 3.0 |
| Jun 30, 2026 | 382,188 | +43.3% | 172,999 | 2.2 |
| Jun 15, 2026 | 266,745 | +11.4% | 98,366 | 2.7 |
| May 29, 2026 | 239,430 | +6.0% | 71,160 | 3.4 |
| May 15, 2026 | 225,814 | -9.2% | 64,241 | 3.5 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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