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First FinancialTHFF +0.01%63 ROE % is 13.67% as of Jun. 2026, which is 43% above its 10-year median of 9.55. 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 1,523 Banks companies, First Financial ranks better than 70.45% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
First Financial ROE % Related Terms
First Financial ROE % Historical Data
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The historical data trend for First Financial's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial's ROE % distribution charts can be found below:
* The bar in red indicates where First Financial's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
First Financial (THFF) has a ROE % of 13.67% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First Financial and its competitors. This is 43% above median its historical median of 9.55. Over the past decade, First Financial's ROE % has ranged from 7.04 to 13.44. According to the industry distribution chart, First Financial ranks #450 out of 1523 companies in the Banks industry, placing it in the top 29.5%.
Is First Financial's ROE % too high?
First Financial's current ROE % of 13.67% is 43% above median its 10-year median of 9.55. Over the past 10 years, this metric has ranged from a low of 7.04 to a high of 13.44. The Banks industry median ROE % is 10.47. First Financial's value of 13.67% is 30.6% above this industry median. Based on the distribution chart, First Financial ranks #450 out of 1523 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 ROE % compare to CAC and FCBC?
According to the Banks industry distribution chart, First Financial ranks #450 out of 1523 companies for ROE %. This puts First Financial in the upper half of its industry. The industry median ROE % is 10.47. First Financial's value of 13.67% is 30.6% above this benchmark. Historically, First Financial's own ROE % has ranged from 7.04 to 13.44 over the past decade. While the company's 10-year median is 9.55 vs. the industry median of 10.47, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.47, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial's current ROE % of 13.67% is 30.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First Financial and its competitors. For the Banks industry, the median ROE % is 10.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial's current ROE % is 13.67%, which is 43% above median its own 10-year median of 9.55. 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 ROE % is 13.67%, which is 43% above median its 10-year median of 9.55 and 30.6% above the Banks industry median of 10.47. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For First Financial (THFF), the current ROE % is 13.67% 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 $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:
ROE %: 13.67% (43% above median its 10-year median of 9.55)
GF Value™: $62.76 vs. price of $79.05 (26% above fair value)
Industry Position: 30.6% above the Banks median (#450 of 1523)
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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