First FinancialTHFF 63 EV-to-FCF is 15.68 as of Jul. 06, 2026, which is 96% above its 10-year median of 8.02. GuruFocus rates THFF with a GF Score™ of 63/100 and a GF Value™ of $59.68 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,196 Banks companies, First Financial ranks worse than 77.59% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Financial's Enterprise Value is $1,377.6 Mil.
First Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $87.9 Mil. Therefore, First Financial's EV-to-FCF for today is 15.68.
The historical rank and industry rank for First Financial's EV-to-FCF or its related term are showing as below:
THFF'
s EV-to-FCF Range Over the Past 10 Years
Min: -3.26 Med: 8.02 Max: 18.41
Current: 15.68
During the past 13 years, the highest EV-to-FCF of First Financial was 18.41. The lowest was -3.26. And the median was 8.02.
THFF's EV-to-FCF is ranked worse than 77.59% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs THFF: 15.68
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Financial's PE Ratio (TTM) for today is calculated as:
First Financial's share price for today is $77.01.
First Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.800.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Financial EV-to-FCF Related Terms
First Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for First Financial's EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Financial's EV-to-FCF falls into.
First Financial's current Enterprise Value is $1,377.6 Mil.
First Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $87.9 Mil.
* 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 EV-to-FCF of 15.68 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Financial and its competitors. This is 96% above median its historical median of 8.02. According to the industry distribution chart, First Financial ranks #928 out of 1196 companies in the Banks industry, placing it in the top 77.6%.
Is First Financial's EV-to-FCF too high?
First Financial's current EV-to-FCF of 15.68 is 96% above median its 10-year median of 8.02. The Banks industry median EV-to-FCF is 6.57. First Financial's value of 15.68 is 138.8% above this industry median. Based on the distribution chart, First Financial ranks #928 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to CAC and NBBK?
According to the Banks industry distribution chart, First Financial ranks #928 out of 1196 companies for EV-to-FCF. This places First Financial in the lower half of its industry. The industry median EV-to-FCF is 6.57. First Financial's value of 15.68 is 138.8% above this benchmark. While the company's 10-year median is 8.02 vs. the industry median of 6.57, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial's current EV-to-FCF of 15.68 is 138.8% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial's current EV-to-FCF is 15.68, which is 96% above median its own 10-year median of 8.02. 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 $59.68, compared to a current price of $77.01 — trading 29% above its estimated fair value. The current EV-to-FCF is 15.68, which is 96% above median its 10-year median of 8.02 and 138.8% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Financial (THFF), the current EV-to-FCF is 15.68 as of Jul. 06, 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 $77.01 is trading 29% above its estimated GF Value™ of $59.68.
GuruFocus considers First Financial to be Modestly Overvalued.
Key valuation signals for THFF:
EV-to-FCF: 15.68 (96% above median its 10-year median of 8.02)
GF Value™: $59.68 vs. price of $77.01 (29% above fair value)
Industry Position: 138.8% above the Banks median (#928 of 1196)
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
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