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First FinancialTHFF -0.44%63 Return-on-Tangible-Equity is 16.61% as of Jun. 2026, which is 49% above its 10-year median of 11.12. 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 1,520 Banks companies, First Financial ranks better than 78.62% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. First Financial's annualized net income for the quarter that ended in Jun. 2026 was $91.0 Mil. First Financial's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $547.7 Mil. Therefore, First Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 16.61%.
The historical rank and industry rank for First Financial's Return-on-Tangible-Equity or its related term are showing as below:
THFF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.71 Med: 11.12 Max: 16.44
Current: 16.24
During the past 13 years, First Financial's highest Return-on-Tangible-Equity was 16.44%. The lowest was 7.71%. And the median was 11.12%.
THFF's Return-on-Tangible-Equity is ranked better than 78.62% of 1520
companies
in the Banks industry
Industry Median: 11.44
vs THFF: 16.24
First Financial (NAS:THFF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
First Financial Return-on-Tangible-Equity Related Terms
First Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for First Financial's Return-on-Tangible-Equity 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.
THFF vs CAC, FCBC, SBNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, First Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where First Financial's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 16.61% mean?
First Financial (THFF) has a Return-on-Tangible-Equity of 16.61% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Financial and its competitors. This is 49% above median its historical median of 11.12. Over the past decade, First Financial's Return-on-Tangible-Equity has ranged from 7.71 to 16.44. According to the industry distribution chart, First Financial ranks #325 out of 1520 companies in the Banks industry, placing it in the top 21.4%.
Is First Financial's Return-on-Tangible-Equity too high?
First Financial's current Return-on-Tangible-Equity of 16.61% is 49% above median its 10-year median of 11.12. Over the past 10 years, this metric has ranged from a low of 7.71 to a high of 16.44. The Banks industry median Return-on-Tangible-Equity is 11.44. First Financial's value of 16.61% is 45.2% above this industry median. Based on the distribution chart, First Financial ranks #325 out of 1520 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 Return-on-Tangible-Equity compare to CAC and FCBC?
According to the Banks industry distribution chart, First Financial ranks #325 out of 1520 companies for Return-on-Tangible-Equity. This places First Financial in the top 21% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.44. First Financial's value of 16.61% is 45.2% above this benchmark. Historically, First Financial's own Return-on-Tangible-Equity has ranged from 7.71 to 16.44 over the past decade. While the company's 10-year median is 11.12 vs. the industry median of 11.44, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.44, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial's current Return-on-Tangible-Equity of 16.61% is 45.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial's current Return-on-Tangible-Equity is 16.61%, which is 49% above median its own 10-year median of 11.12. 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 $78.70 — trading 25.4% above its estimated fair value. The current Return-on-Tangible-Equity is 16.61%, which is 49% above median its 10-year median of 11.12 and 45.2% above the Banks industry median of 11.44. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For First Financial (THFF), the current Return-on-Tangible-Equity is 16.61% 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 $78.70 is trading 25.4% above its estimated GF Value™ of $62.76.
GuruFocus considers First Financial to be Modestly Overvalued.
Key valuation signals for THFF:
Return-on-Tangible-Equity: 16.61% (49% above median its 10-year median of 11.12)
GF Value™: $62.76 vs. price of $78.70 (25.4% above fair value)
Industry Position: 45.2% above the Banks median (#325 of 1520)
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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