THFF (First Financial) Moat Score: 4/10 (As of Aug. 21, 2026)

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THFF First Financial Corp THFF
63 GF Score
Price $78.81
GF Value $62.76
Valuation Modestly Overvalued
! 8 Warning Signs
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What is First Financial Moat Score?

First Financial THFF -0.29% 63 Moat Score is 4 as of Aug. 21, 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. Among 1,607 Banks companies, First Financial ranks better than 86.25% on this metric.

First Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

First Financial has Narrow Moat: First Financial Corp has a discernible but modest moat with a regional banking presence and some customer loyalty. It benefits from regulatory barriers and economies of scale, but lacks strong brand strength or significant pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First Financial might have Narrow Moat - Discernible but modest moat.

First Financial  (NAS:THFF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First Financial Moat Score Related Terms

THFF vs CAC, FCBC, SBNC: Moat Score Comparison

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

For the Banks industry and Financial Services sector, First Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where First Financial's Moat Score falls into.


THFF
63GF Score
First Financial Corp THFF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
First Financial (THFF) has a Moat Score of 4 as of Aug. 21, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First Financial ranks #221 out of 1607 companies in the Banks industry, placing it in the top 13.8%.
Is First Financial's Moat Score too high?
First Financial's current Moat Score is 4. Based on the distribution chart, First Financial ranks #221 out of 1607 companies in the Banks industry, which is in the top quartile — a strong position 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 Moat Score compare to CAC and FCBC?
According to the Banks industry distribution chart, First Financial ranks #221 out of 1607 companies for Moat Score. This places First Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First Financial's current Moat Score is 4. 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 $78.81 — trading 25.6% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First Financial (THFF), the current Moat Score is 4 as of Aug. 21, 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 $78.81 is trading 25.6% above its estimated GF Value™ of $62.76. GuruFocus considers First Financial to be Modestly Overvalued.

Key valuation signals for THFF:

  • Moat Score: 4
  • GF Value™: $62.76 vs. price of $78.81 (25.6% 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

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

$78.81
Price
$62.76
GF Value