THFF PE Ratio & Valuation,Is THFF Overvalued

THFF Relative Valuation

THFF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, THFF is overvalued; if below, it's undervalued.

Historical Valuation

First Financial Corp (THFF) is now in the Fair zone, suggesting that its current forward PE ratio of 9.62 is considered Fairly compared with the five-year average of 9.07. The fair price of First Financial Corp (THFF) is between 59.60 to 70.82 according to relative valuation methord.

Relative Value

Fair Zone

59.60-70.82

Current Price：64.75

Fair

9.62

0.00

EV/EBITDA

First Financial Corp. (THFF) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

First Financial Corp. (THFF) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.71

First Financial Corp. (THFF) has a current PS of 2.71. The 5-year average PS is 2.45. The thresholds are as follows: Strongly Undervalued below 1.66, Undervalued between 1.66 and 2.06, Fairly Valued between 2.84 and 2.06, Overvalued between 2.84 and 3.23, and Strongly Overvalued above 3.23. The current Forward PS of 2.71 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

First Financial Corp. (THFF) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

First Financial Corp. (THFF) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

First Financial Corp (THFF) has a current Price-to-Book (P/B) ratio of 1.22. Compared to its 3-year average P/B ratio of 0.97 , the current P/B ratio is approximately 25.99% higher. Relative to its 5-year average P/B ratio of 1.00, the current P/B ratio is about 22.79% higher. First Financial Corp (THFF) has a Forward Free Cash Flow (FCF) yield of approximately 9.56%. Compared to its 3-year average FCF yield of 13.80%, the current FCF yield is approximately -30.76% lower. Relative to its 5-year average FCF yield of 12.60% , the current FCF yield is about -24.11% lower.

1.22

P/B

Median3y

0.97

Median5y

1.00

9.56

FCF Yield

Median3y

13.80

Median5y

12.60

Competitors Valuation Multiple

The average P/S ratio for THFF's competitors is 3.05, providing a benchmark for relative valuation. First Financial Corp Corp (THFF) exhibits a P/S ratio of 2.71, which is -11.16% above the industry average. Given its robust revenue growth of 13.08%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of THFF increased by 41.90% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 15.14 to 31.81.

The secondary factor is the Revenue Growth, contributed 13.08%to the performance.

Overall, the performance of THFF in the past 1 year is driven by Margin Expansion. Which is more sustainable.

13.08%

57.72M → 65.27M

Revenue Growth

110.11%

15.14 → 31.81

Margin Expansion

-81.29%

54.94 → 10.28

P/E Change

41.90%

45.20 → 64.14

Mkt Cap Growth

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Frequently Asked Questions

Is First Financial Corp (THFF) currently overvalued or undervalued?

What is First Financial Corp (THFF) fair value?

THFF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of First Financial Corp (THFF) is between 59.60 to 70.82 according to relative valuation methord.

How does THFF's valuation metrics compare to the industry average?

What is the current P/B ratio for First Financial Corp (THFF) as of Dec 15 2025?

As of Dec 15 2025, First Financial Corp (THFF) has a P/B ratio of 1.22. This indicates that the market values THFF at 1.22 times its book value.

What is the current FCF Yield for First Financial Corp (THFF) as of Dec 15 2025?

As of Dec 15 2025, First Financial Corp (THFF) has a FCF Yield of 9.56%. This means that for every dollar of First Financial Corp’s market capitalization, the company generates 9.56 cents in free cash flow.

What is the current Forward P/E ratio for First Financial Corp (THFF) as of Dec 15 2025?

As of Dec 15 2025, First Financial Corp (THFF) has a Forward P/E ratio of 9.62. This means the market is willing to pay $9.62 for every dollar of First Financial Corp’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for First Financial Corp (THFF) as of Dec 15 2025?

As of Dec 15 2025, First Financial Corp (THFF) has a Forward P/S ratio of 2.71. This means the market is valuing THFF at $2.71 for every dollar of expected revenue over the next 12 months.

THFF Valuation

THFF Valuation

THFF Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is First Financial Corp (THFF) currently overvalued or undervalued?

What is First Financial Corp (THFF) fair value?

How does THFF's valuation metrics compare to the industry average?

What is the current P/B ratio for First Financial Corp (THFF) as of Dec 15 2025?

What is the current FCF Yield for First Financial Corp (THFF) as of Dec 15 2025?

What is the current Forward P/E ratio for First Financial Corp (THFF) as of Dec 15 2025?

What is the current Forward P/S ratio for First Financial Corp (THFF) as of Dec 15 2025?