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First FinancialTHFF -0.87%63 FCF Margin % is 23.33% as of Jun. 2026, which is 29% below its 10-year median of 32.90. GuruFocus rates THFF with a GF Score™ of 63/100 and a GF Value™ of $62.76 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,499 Banks companies, First Financial ranks better than 61.37% on this metric.
The historical data trend for First Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Financial's FCF Margin % 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 FCF Margin % of 23.33% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Financial and its competitors. This is 29% below median its historical median of 32.90. Over the past decade, First Financial's FCF Margin % has ranged from 24.92 to 38.93. According to the industry distribution chart, First Financial ranks #579 out of 1499 companies in the Banks industry, placing it in the top 38.6%.
Is First Financial's FCF Margin % too high?
First Financial's current FCF Margin % of 23.33% is 29% below median its 10-year median of 32.90. Over the past 10 years, this metric has ranged from a low of 24.92 to a high of 38.93. The Banks industry median FCF Margin % is 27.12. First Financial's value of 23.33% is 14% below this industry median. Based on the distribution chart, First Financial ranks #579 out of 1499 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to CAC and FCBC?
According to the Banks industry distribution chart, First Financial ranks #579 out of 1499 companies for FCF Margin %. This puts First Financial in the upper half of its industry. The industry median FCF Margin % is 27.12. First Financial's value of 23.33% is 14% below this benchmark. Historically, First Financial's own FCF Margin % has ranged from 24.92 to 38.93 over the past decade. While the company's 10-year median is 32.90 vs. the industry median of 27.12, First Financial has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.12, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial's current FCF Margin % of 23.33% is 14% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Financial and its competitors. For the Banks industry, the median FCF Margin % is 27.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial's current FCF Margin % is 23.33%, which is 29% below median its own 10-year median of 32.90. 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 $78.35 — trading 24.8% above its estimated fair value. The current FCF Margin % is 23.33%, which is 29% below median its 10-year median of 32.90 and 14% below the Banks industry median of 27.12. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Financial (THFF), the current FCF Margin % is 23.33% 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 $78.35 is trading 24.8% above its estimated GF Value™ of $62.76.
GuruFocus considers First Financial to be Modestly Overvalued.
Key valuation signals for THFF:
FCF Margin %: 23.33% (29% below median its 10-year median of 32.90)
GF Value™: $62.76 vs. price of $78.35 (24.8% above fair value)
Industry Position: 14% below the Banks median (#579 of 1499)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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