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First FinancialTHFF -0.29%63 OCF Yield % is 10.38 as of Aug. 21, 2026, which is 8% below its 10-year median of 11.24. 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 1,493 Banks companies, First Financial ranks better than 55.26% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
First Financial OCF Yield % Related Terms
First Financial OCF Yield % Historical Data
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The historical data trend for First Financial's OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial's OCF Yield % distribution charts can be found below:
* The bar in red indicates where First Financial's OCF Yield % 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 OCF Yield % of 10.38 as of Aug. 21, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on First Financial and its competitors. This is near median its historical median of 11.24. Over the past decade, First Financial's OCF Yield % has ranged from 5.44 to 24.47. According to the industry distribution chart, First Financial ranks #668 out of 1493 companies in the Banks industry, placing it in the top 44.7%.
Is First Financial's OCF Yield % too high?
First Financial's current OCF Yield % of 10.38 is near median its 10-year median of 11.24. Over the past 10 years, this metric has ranged from a low of 5.44 to a high of 24.47. The Banks industry median OCF Yield % is 9.29. First Financial's value of 10.38 is 11.7% above this industry median. Based on the distribution chart, First Financial ranks #668 out of 1493 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 OCF Yield % compare to CAC and FCBC?
According to the Banks industry distribution chart, First Financial ranks #668 out of 1493 companies for OCF Yield %. This puts First Financial in the upper half of its industry. The industry median OCF Yield % is 9.29. First Financial's value of 10.38 is 11.7% above this benchmark. Historically, First Financial's own OCF Yield % has ranged from 5.44 to 24.47 over the past decade. While the company's 10-year median is 11.24 vs. the industry median of 9.29, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.29, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial's current OCF Yield % of 10.38 is 11.7% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on First Financial and its competitors. For the Banks industry, the median OCF Yield % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial's current OCF Yield % is 10.38, which is near median its own 10-year median of 11.24. 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 OCF Yield % is 10.38, which is near median its 10-year median of 11.24 and 11.7% above the Banks industry median of 9.29. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For First Financial (THFF), the current OCF Yield % is 10.38 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:
OCF Yield %: 10.38 (near median its 10-year median of 11.24)
GF Value™: $62.76 vs. price of $78.81 (25.6% above fair value)
Industry Position: 11.7% above the Banks median (#668 of 1493)
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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