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The historical data trend for First Financial's Debt-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Financial's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Financial's Debt-to-Asset distribution charts can be found below:
* The bar in red indicates where First Financial's Debt-to-Asset falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Financial (THFF) has a Debt-to-Asset of 0.10 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on First Financial and its competitors.
Is First Financial's Debt-to-Asset too high?
First Financial's current Debt-to-Asset is 0.10. Overall, First Financial has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Financial's Debt-to-Asset compare to CAC and FCBC?
First Financial's Debt-to-Asset of 0.10 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on First Financial and its competitors. First Financial's current Debt-to-Asset is 0.10. 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 $62.76, compared to a current price of $78.41 — trading 24.9% above its estimated fair value. The current Debt-to-Asset is 0.10. First Financial's overall GF Score™ is 63/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For First Financial (THFF), the current Debt-to-Asset is 0.10 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 $78.41 is trading 24.9% above its estimated GF Value™ of $62.76.
GuruFocus considers First Financial to be Modestly Overvalued.
Key valuation signals for THFF:
Debt-to-Asset: 0.10
GF Value™: $62.76 vs. price of $78.41 (24.9% above fair value)
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.
63GF Score
Get the complete analysis for THFF
Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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