THFF (First Financial) Tariff Resilience Score: 10/10 (As of Aug. 21, 2026)

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THFF First Financial Corp THFF
63 GF Score
Price $78.81
GF Value $62.76
Valuation Modestly Overvalued
! 8 Warning Signs
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What is First Financial Tariff Resilience Score?

First Financial THFF -0.29% 63 Tariff Resilience Score is 10 as of Aug. 21, 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. Among 1,604 Banks companies, First Financial ranks better than 99.94% on this metric.

First Financial has the Tariff Resilience Score of 10, which implies that the company might have Highly Resilient.

First Financial has Financial services firm with no direct exposure to international trade tariffs. Revenue is entirely domestic, with no historical impact from tariffs. Strong local market focus and regulatory environment.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes First Financial might have Highly Resilient.

First Financial  (NAS:THFF) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

First Financial Tariff Resilience Score Related Terms

THFF vs CAC, FCBC, SBNC: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, First Financial's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, First Financial's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where First Financial's Tariff Resilience Score falls into.


THFF
63GF Score
First Financial Corp THFF
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 10 mean?
First Financial (THFF) has a Tariff Resilience Score of 10 as of Aug. 21, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, First Financial ranks #1 out of 1604 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is First Financial's Tariff Resilience Score too high?
First Financial's current Tariff Resilience Score is 10. Based on the distribution chart, First Financial ranks #1 out of 1604 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 Tariff Resilience Score compare to CAC and FCBC?
According to the Banks industry distribution chart, First Financial ranks #1 out of 1604 companies for Tariff Resilience Score. This places First Financial in the top 0% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. First Financial's current Tariff Resilience Score is 10. 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 Tariff Resilience Score is 10. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For First Financial (THFF), the current Tariff Resilience Score is 10 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:

  • Tariff Resilience Score: 10
  • GF Value™: $62.76 vs. price of $78.81 (25.6% 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

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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$78.81
Price
$62.76
GF Value