THFF (First Financial) Liabilities-to-Assets : 0.89 (As of Jun. 2026)

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THFF First Financial Corp THFF
63 GF Score
Price $78.88
GF Value $62.76
Valuation Modestly Overvalued
! 8 Warning Signs
View Full Analysis

What is First Financial Liabilities-to-Assets?

First Financial THFF -0.21% 63 Liabilities-to-Assets is 0.89 as of Jun. 2026. 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.

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. First Financial's Total Liabilities for the quarter that ended in Jun. 2026 was $5,502.5 Mil. First Financial's Total Assets for the quarter that ended in Jun. 2026 was $6,178.3 Mil. Therefore, First Financial's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.89.


First Financial  (NAS:THFF) Liabilities-to-Assets Explanation

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.


First Financial Liabilities-to-Assets Related Terms


First Financial Liabilities-to-Assets Historical Data

* Premium members only.

The historical data trend for First Financial's Liabilities-to-Assets 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.

First Financial Liabilities-to-Assets Chart

First Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Liabilities-to-Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.89 0.91 0.89 0.90 0.89

First Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Liabilities-to-Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.90 0.89 0.89 0.89 0.89

THFF vs CAC, FCBC, SBNC: Liabilities-to-Assets Comparison

For the Banks - Regional subindustry, First Financial's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry

For the Banks industry and Financial Services sector, First Financial's Liabilities-to-Assets distribution charts can be found below:

* The bar in red indicates where First Financial's Liabilities-to-Assets falls into.


THFF
63GF Score
First Financial Corp THFF
Liabilities-to-Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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First Financial Liabilities-to-Assets Calculation

Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.

Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.

First Financial's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:

Liabilities-to-Assets (A: Dec. 2025 )=Total Liabilities/Total Assets
=5105.257/5756.126
=0.89

First Financial's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 is calculated as

Liabilities-to-Assets (Q: Jun. 2026 )=Total Liabilities/Total Assets
=5502.524/6178.309
=0.89

* 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.

Frequently Asked Questions Learn more about Liabilities-to-Assets →
What does a Liabilities-to-Assets of 0.89 mean?
First Financial (THFF) has a Liabilities-to-Assets of 0.89 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on First Financial and its competitors.
Is First Financial's Liabilities-to-Assets too high?
First Financial's current Liabilities-to-Assets is 0.89. 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 Liabilities-to-Assets compare to CAC and FCBC?
First Financial's Liabilities-to-Assets of 0.89 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 Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on First Financial and its competitors. First Financial's current Liabilities-to-Assets is 0.89. 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 $78.88 — trading 25.7% above its estimated fair value. The current Liabilities-to-Assets is 0.89. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For First Financial (THFF), the current Liabilities-to-Assets is 0.89 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 $78.88 is trading 25.7% above its estimated GF Value™ of $62.76. GuruFocus considers First Financial to be Modestly Overvalued.

Key valuation signals for THFF:

  • Liabilities-to-Assets: 0.89
  • GF Value™: $62.76 vs. price of $78.88 (25.7% above fair value)
  • GF Score™: 63/100 with 8 warning signs

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 Business Description

Address One First Financial Plaza, Terre Haute, IN, USA, 47807
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

Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$78.88
Price
$62.76
GF Value