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First FinancialTHFF -0.88%74 3-Year Book Growth Rate is 11.60% as of Jun. 2026, which is 95% above its 10-year median of 5.95. GuruFocus rates THFF with a GF Score™ of 74/100 and a GF Value™ of $63.22 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,491 Banks companies, First Financial ranks better than 65.86% on this metric.
During the past 12 months, First Financial's average Book Value per Share Growth Rate was 14.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 11.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 3.60% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 4.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of First Financial was 13.00% per year. The lowest was -0.90% per year. And the median was 5.95% per year.
First Financial (NAS:THFF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
First Financial 3-Year Book Growth Rate Related Terms
THFF vs SBSI, FMNB, MPB: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, First Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Financial 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, First Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where First Financial's 3-Year Book Growth Rate falls into.
First Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 11.60% mean?
First Financial (THFF) has a 3-Year Book Growth Rate of 11.60% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First Financial and its competitors. This is 95% above median its historical median of 5.95. According to the industry distribution chart, First Financial ranks #509 out of 1491 companies in the Banks industry, placing it in the top 34.1%.
Is First Financial's 3-Year Book Growth Rate too high?
First Financial's current 3-Year Book Growth Rate of 11.60% is 95% above median its 10-year median of 5.95. The Banks industry median 3-Year Book Growth Rate is 8.80. First Financial's value of 11.60% is 31.8% above this industry median. Based on the distribution chart, First Financial ranks #509 out of 1491 companies in the Banks industry, which is above the industry midpoint. Overall, First Financial has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Financial's 3-Year Book Growth Rate compare to SBSI and FMNB?
According to the Banks industry distribution chart, First Financial ranks #509 out of 1491 companies for 3-Year Book Growth Rate. This puts First Financial in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.80. First Financial's value of 11.60% is 31.8% above this benchmark. While the company's 10-year median is 5.95 vs. the industry median of 8.80, First Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial's current 3-Year Book Growth Rate of 11.60% is 31.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First Financial and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial's current 3-Year Book Growth Rate is 11.60%, which is 95% above median its own 10-year median of 5.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Financial stock overvalued right now?
Based on GuruFocus' analysis, First Financial (THFF) is currently considered Modestly Overvalued. The stock's GF Value™ is $63.22, compared to a current price of $77.46 — trading 22.5% above its estimated fair value. The current 3-Year Book Growth Rate is 11.60%, which is 95% above median its 10-year median of 5.95 and 31.8% above the Banks industry median of 8.80. First Financial's overall GF Score™ is 74/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For First Financial (THFF), the current 3-Year Book Growth Rate is 11.60% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Financial (THFF) Overvalued in 2026?
Based on GuruFocus' analysis, First Financial stock appears to be overvalued.
The current stock price of $77.46 is trading 22.5% above its estimated GF Value™ of $63.22.
GuruFocus considers First Financial to be Modestly Overvalued.
Key valuation signals for THFF:
3-Year Book Growth Rate: 11.60% (95% above median its 10-year median of 5.95)
GF Value™: $63.22 vs. price of $77.46 (22.5% above fair value)
Industry Position: 31.8% above the Banks median (#509 of 1491)
No single metric tells the full story. See the THFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Financial Corp operates as a financial holding company, which is engaged in the provision of financial services in the United States. The company offers a wide variety of financial services including commercial, mortgage, and consumer lending, lease financing, trust account services, depositor services and insurance services, through its subsidiaries. Its primary source of revenue is derived from loans to customers and investment activities. Company's loan portfolio was diversified in Commercial, Residential and consumer domains.
74GF Score
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