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First FinancialTHFF +0.01%63 PB Ratio is 1.39 as of Aug. 21, 2026, which is 30% above its 10-year median of 1.07. 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 1,511 Banks companies, First Financial ranks worse than 71.41% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-21), First Financial's share price is $79.05. First Financial's Book Value per Share for the quarter that ended in Jun. 2026 was $56.83. Hence, First Financial's PB Ratio of today is 1.39.
Warning Sign:
First Financial Corp stock PB Ratio (=1.39) is close to 5-year high of 1.44.
The historical rank and industry rank for First Financial's PB Ratio or its related term are showing as below:
THFF'
s PB Ratio Range Over the Past 10 Years
Min: 0.71 Med: 1.07 Max: 1.55
Current: 1.39
During the past 13 years, First Financial's highest PB Ratio was 1.55. The lowest was 0.71. And the median was 1.07.
THFF's PB Ratio is ranked worse than 71.41% of 1511
companies
in the Banks industry
Industry Median: 1.11
vs THFF: 1.39
During the past 12 months, First Financial's average Book Value Per Share Growth Rate was 14.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of First Financial was 13.00% per year. The lowest was -0.90% per year. And the median was 5.95% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
First Financial PB Ratio Related Terms
First Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for First Financial's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where First Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
First Financial's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
First Financial (THFF) has a PB Ratio of 1.39 as of Aug. 21, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Financial and its competitors. This is 30% above median its historical median of 1.07. Over the past decade, First Financial's PB Ratio has ranged from 0.71 to 1.55. According to the industry distribution chart, First Financial ranks #1079 out of 1511 companies in the Banks industry, placing it in the top 71.4%.
Is First Financial's PB Ratio too high?
First Financial's current PB Ratio of 1.39 is 30% above median its 10-year median of 1.07. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 1.55. The Banks industry median PB Ratio is 1.11. First Financial's value of 1.39 is 25.2% above this industry median. Based on the distribution chart, First Financial ranks #1079 out of 1511 companies in the Banks industry, which is below 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 PB Ratio compare to CAC and FCBC?
According to the Banks industry distribution chart, First Financial ranks #1079 out of 1511 companies for PB Ratio. This places First Financial in the lower half of its industry. The industry median PB Ratio is 1.11. First Financial's value of 1.39 is 25.2% above this benchmark. Historically, First Financial's own PB Ratio has ranged from 0.71 to 1.55 over the past decade. While the company's 10-year median is 1.07 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,511 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial's current PB Ratio of 1.39 is 25.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Financial and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial's current PB Ratio is 1.39, which is 30% above median its own 10-year median of 1.07. 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 $79.05 — trading 26% above its estimated fair value. The current PB Ratio is 1.39, which is 30% above median its 10-year median of 1.07 and 25.2% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For First Financial (THFF), the current PB Ratio is 1.39 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 $79.05 is trading 26% above its estimated GF Value™ of $62.76.
GuruFocus considers First Financial to be Modestly Overvalued.
Key valuation signals for THFF:
PB Ratio: 1.39 (30% above median its 10-year median of 1.07)
GF Value™: $62.76 vs. price of $79.05 (26% above fair value)
Industry Position: 25.2% above the Banks median (#1079 of 1511)
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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