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First FinancialTHFF -0.80%74 3-Year Dividend Growth Rate is 24.60% as of Jun. 2026, which is 707% above its 10-year median of 3.05. GuruFocus rates THFF with a GF Score™ of 74/100 and a GF Value™ of $63.39 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 958 Banks companies, First Financial ranks better than 74.22% on this metric.
The historical rank and industry rank for First Financial's 3-Year Dividend Growth Rate or its related term are showing as below:
THFF'
s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -1.9 Med: 3.05 Max: 26
Current: 24.6
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of First Financial was 26.00% per year. The lowest was -1.90% per year. And the median was 3.05% per year.
THFF's 3-Year Dividend Growth Rate is ranked better than 74.22% of 958
companies
in the Banks industry
Industry Median: 10.1
vs THFF: 24.60
During the past 12 months, First Financial's average Dividends Per Share Growth Rate was 10.60% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 24.60% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 15.50% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 5.90% 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 dividends per share growth rate.
During the past 13 years, the highest Dividend Payout Ratio of First Financial was 1.07. The lowest was 0.19. And the median was 0.29.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
First Financial Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
USD 0.560000
2026-07-01
2026-07-01
2026-07-15
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.560000
2026-04-01
2026-04-01
2026-04-15
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.560000
2026-01-02
2026-01-02
2026-01-15
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.510000
2025-10-01
2025-10-01
2025-10-15
Cash Dividend
quarterly
USD:USD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
First Financial's Dividend Yield (%) for Today is calculated as
Current Share Price is $77.25.
First Financial's Dividends per Share for the trailing twelve months (TTM) ended in Today is $2.19.
During the past 13 years, the highest Dividend Yield of First Financial was 4.49%. The lowest was 1.88%. And the median was 2.51%.
Warning Sign:
First Financial Corp stock Dividend Yield % is close to 2-year low.
* 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 3-Year Dividend Growth Rate Related Terms>
THFF vs SBSI, FMNB, MPB: 3-Year Dividend Growth Rate Comparison
For the Banks - Regional subindustry, First Financial's 3-Year Dividend Growth Rate, along with its competitors' market caps and 3-Year Dividend 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 Dividend Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, First Financial's 3-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where First Financial's 3-Year Dividend Growth Rate falls into.
First Financial 3-Year Dividend Growth Rate Calculation
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with expontential compound 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 dividends per share growth rate.
What does a 3-Year Dividend Growth Rate of 24.60% mean?
First Financial (THFF) has a 3-Year Dividend Growth Rate of 24.60% as of Jun. 2026. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on First Financial and its competitors. This is 707% above median its historical median of 3.05. According to the industry distribution chart, First Financial ranks #247 out of 958 companies in the Banks industry, placing it in the top 25.8%.
Is First Financial's 3-Year Dividend Growth Rate too high?
First Financial's current 3-Year Dividend Growth Rate of 24.60% is 707% above median its 10-year median of 3.05. The Banks industry median 3-Year Dividend Growth Rate is 10.10. First Financial's value of 24.60% is 143.6% above this industry median. Based on the distribution chart, First Financial ranks #247 out of 958 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 Dividend Growth Rate compare to SBSI and FMNB?
According to the Banks industry distribution chart, First Financial ranks #247 out of 958 companies for 3-Year Dividend Growth Rate. This puts First Financial in the upper half of its industry. The industry median 3-Year Dividend Growth Rate is 10.10. First Financial's value of 24.60% is 143.6% above this benchmark. While the company's 10-year median is 3.05 vs. the industry median of 10.10, 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 Dividend Growth Rate for a Banks company?
The median 3-Year Dividend Growth Rate among Banks companies is 10.10, based on 958 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Dividend 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 Dividend Growth Rate of 24.60% is 143.6% 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 Dividend Growth Rate mean?
A high 3-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on First Financial and its competitors. For the Banks industry, the median 3-Year Dividend Growth Rate is 10.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial's current 3-Year Dividend Growth Rate is 24.60%, which is 707% above median its own 10-year median of 3.05. 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 $63.39, compared to a current price of $77.25 — trading 21.9% above its estimated fair value. The current 3-Year Dividend Growth Rate is 24.60%, which is 707% above median its 10-year median of 3.05 and 143.6% above the Banks industry median of 10.10. 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 Dividend Growth Rate calculated?
3-Year Dividend Growth Rate is calculated from a company's financial statements. For First Financial (THFF), the current 3-Year Dividend Growth Rate is 24.60% 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 $77.25 is trading 21.9% above its estimated GF Value™ of $63.39.
GuruFocus considers First Financial to be Modestly Overvalued.
Key valuation signals for THFF:
3-Year Dividend Growth Rate: 24.60% (707% above median its 10-year median of 3.05)
GF Value™: $63.39 vs. price of $77.25 (21.9% above fair value)
Industry Position: 143.6% above the Banks median (#247 of 958)
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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3-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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