THFF (First Financial) 5-Year Yield-on-Cost %: 5.78 (As of Aug. 21, 2026) — 12% Above Median

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 $78.36
GF Value $62.76
Valuation Modestly Overvalued
! 8 Warning Signs
View Full Analysis

What is First Financial 5-Year Yield-on-Cost %?

First Financial THFF -0.86% 63 5-Year Yield-on-Cost % is 5.78 as of Aug. 21, 2026, which is 12% above its 10-year median of 5.16. 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 1,248 Banks companies, First Financial ranks better than 69.95% on this metric.

First Financial's yield on cost for the quarter that ended in Jun. 2026 was 5.78.


The historical rank and industry rank for First Financial's 5-Year Yield-on-Cost % or its related term are showing as below:

THFF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.86   Med: 5.16   Max: 9.23
Current: 5.78


During the past 13 years, First Financial's highest Yield on Cost was 9.23. The lowest was 3.86. And the median was 5.16.


THFF's 5-Year Yield-on-Cost % is ranked better than
69.95% of 1248 companies
in the Banks industry
Industry Median: 3.87 vs THFF: 5.78

First Financial  (NAS:THFF) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


First Financial 5-Year Yield-on-Cost % Related Terms


THFF vs CAC, FCBC, SBNC: 5-Year Yield-on-Cost % Comparison

For the Banks - Regional subindustry, First Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry

For the Banks industry and Financial Services sector, First Financial's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where First Financial's 5-Year Yield-on-Cost % falls into.


THFF
63GF Score
First Financial Corp THFF
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Financial 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of First Financial is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 5.78 mean?
First Financial (THFF) has a 5-Year Yield-on-Cost % of 5.78 as of Aug. 21, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Financial and its competitors. This is 12% above median its historical median of 5.16. Over the past decade, First Financial's 5-Year Yield-on-Cost % has ranged from 3.86 to 9.23. According to the industry distribution chart, First Financial ranks #375 out of 1248 companies in the Banks industry, placing it in the top 30%.
Is First Financial's 5-Year Yield-on-Cost % too high?
First Financial's current 5-Year Yield-on-Cost % of 5.78 is 12% above median its 10-year median of 5.16. Over the past 10 years, this metric has ranged from a low of 3.86 to a high of 9.23. The Banks industry median 5-Year Yield-on-Cost % is 3.87. First Financial's value of 5.78 is 49.4% above this industry median. Based on the distribution chart, First Financial ranks #375 out of 1248 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 5-Year Yield-on-Cost % compare to CAC and FCBC?
According to the Banks industry distribution chart, First Financial ranks #375 out of 1248 companies for 5-Year Yield-on-Cost %. This puts First Financial in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. First Financial's value of 5.78 is 49.4% above this benchmark. Historically, First Financial's own 5-Year Yield-on-Cost % has ranged from 3.86 to 9.23 over the past decade. While the company's 10-year median is 5.16 vs. the industry median of 3.87, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.87, based on 1,248 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial's current 5-Year Yield-on-Cost % of 5.78 is 49.4% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial's current 5-Year Yield-on-Cost % is 5.78, which is 12% above median its own 10-year median of 5.16. 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 $78.36 — trading 24.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.78, which is 12% above median its 10-year median of 5.16 and 49.4% above the Banks industry median of 3.87. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Financial (THFF), the current 5-Year Yield-on-Cost % is 5.78 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 $78.36 is trading 24.9% above its estimated GF Value™ of $62.76. GuruFocus considers First Financial to be Modestly Overvalued.

Key valuation signals for THFF:

  • 5-Year Yield-on-Cost %: 5.78 (12% above median its 10-year median of 5.16)
  • GF Value™: $62.76 vs. price of $78.36 (24.9% above fair value)
  • GF Score™: 63/100 with 8 warning signs
  • Industry Position: 49.4% above the Banks median (#375 of 1248)

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

5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$78.36
Price
$62.76
GF Value