THFF (First Financial) Selling, General, & Admin. Expense: $85.5 Mil (TTM As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

THFF First Financial Corp THFF
63 GF Score
Price $79.05
GF Value $62.76
Valuation Modestly Overvalued
! 8 Warning Signs
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What is First Financial Selling, General, & Admin. Expense?

First Financial THFF +0.01% 63 Selling, General, & Admin. Expense is $85.5 Mil as of Jun. 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.

Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. First Financial's selling, general, & admin. expense for the three months ended in Jun. 2026 was $22.0 Mil. Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Jun. 2026 was $85.5 Mil.


First Financial  (NAS:THFF) Selling, General, & Admin. Expense Explanation

An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.

Warren Buffett likes companies with consistent SGA as the percentage of gross profit.

Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.

If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.


First Financial Selling, General, & Admin. Expense Related Terms


First Financial Selling, General, & Admin. Expense Historical Data

* Premium members only.

The historical data trend for First Financial's Selling, General, & Admin. Expense 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.

First Financial Selling, General, & Admin. Expense Chart

First Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Selling, General, & Admin. Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 65.77 67.88 71.43 77.34 81.98

First Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Selling, General, & Admin. Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 20.48 20.48 21.02 22.05 21.96

THFF vs CAC, FCBC, SBNC: Selling, General, & Admin. Expense Comparison

For the Banks - Regional subindustry, First Financial's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry

For the Banks industry and Financial Services sector, First Financial's Selling, General, & Admin. Expense distribution charts can be found below:

* The bar in red indicates where First Financial's Selling, General, & Admin. Expense falls into.


THFF
63GF Score
First Financial Corp THFF
Selling, General, & Admin. Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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First Financial Selling, General, & Admin. Expense Calculation

Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.

Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $85.5 Mil.

* 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.

What does a Selling, General, & Admin. Expense of $85.5 Mil mean?
First Financial (THFF) has a Selling, General, & Admin. Expense of $85.5 Mil as of Jun. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on First Financial and its competitors.
Is First Financial's Selling, General, & Admin. Expense too high?
First Financial's current Selling, General, & Admin. Expense is $85.5 Mil. 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 Selling, General, & Admin. Expense compare to CAC and FCBC?
First Financial's Selling, General, & Admin. Expense of $85.5 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on First Financial and its competitors. First Financial's current Selling, General, & Admin. Expense is $85.5 Mil. 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 Selling, General, & Admin. Expense is $85.5 Mil. 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 Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For First Financial (THFF), the current Selling, General, & Admin. Expense is $85.5 Mil 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:

  • Selling, General, & Admin. Expense: $85.5 Mil
  • GF Value™: $62.76 vs. price of $79.05 (26% 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

Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$79.05
Price
$62.76
GF Value