First Financial Corporation (THFF) Fair Value 2026

THFF · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.9 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (6/100)

Quick Summary — As of 2026-08-27, First Financial Corporation (THFF) trades at $79.50, versus a $59.17 median fair value across its 6 active models — 25.6% below the current price. QOC: 7.9/10. Value Trap Risk: 6/100 (SAFE). 6/13 models active.

Key Facts

Ticker
THFF
Price
$79.50
Quality Score
7.9/10
Value Trap Risk
6/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is First Financial Corporation (THFF) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, First Financial Corporation (THFF) appears overvalued as of : the median of 6 independent fair value estimates is $59.17, 25.6% below the current price of $79.50. Estimates range from $33.68 to $87.74. THFF scores 7.9/10 on fundamental quality and 6/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. THFF’s -25.6% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy First Financial Corporation Stock in 2026? →

What Fair Value Does Each Model Give THFF?

6 Intrinsic Value Models vs. Current Price ($79.50)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $57.78 -27.3%
Ensemble · Medium Conviction
 $57.09 -28.2%
Intrinsic · High Conviction
 $33.68 -57.6%
Unlock the Full Matrix

Access 3 additional models including ML-RIV, Regime Cross-Sectional, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 6 Models →

Cancel anytime · No contracts · Instant access

What Is THFF's Fair Value Range?

Spread across 6 independent models · $33.68 to $87.74

CirclFi's 6 active models place First Financial Corporation (THFF) between $33.68 and $87.74 per share, a spread of 91% of the median. The median of that range — $59.17 — is the fair value CirclFi publishes for THFF, against a current price of $79.50.

Low · Markov DDMHigh · Regime Cross
$33.68median $59.17$87.74
Where the range comes from
Most bearish modelMarkov DDM$33.68
Most bullish modelRegime Cross-Sectional$87.74
Model agreement1 bullish · 5 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on THFF, not a CirclFi price target. How each model works →

What Is First Financial Corporation (THFF) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, First Financial Corporation's intrinsic value is estimated at $59.17. Trading at its current price of $79.50, the valuation engine raises significant caution: 5 of 6 models flag downside risk, projecting a median implied return of -25.6%. Model dispersion is worth noting: Regime Cross targets $87.74 (+10.4%), versus Markov DDM at $33.68 (-57.6%). This +68.0% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About THFF?

6 of 13 models are currently active for THFF. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for THFF is $59.17 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does THFF Rank in Banks - Regional?

Among 349 Banks - Regional stocks, THFF ranks #183 by Quality of Company score. CirclFi's QOC score of 7.9/10 evaluates 32 fundamental signals. A score of 7.9 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

First Financial Corporation's positioning within the Banks - Regional segment means that CET1 capital ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including fee income diversification — shape both the opportunity set and risk profile.

Is THFF a Value Trap?

CirclFi's Value Trap algorithm assigns THFF a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for First Financial Corporation. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, First Financial Corporation earns a quality score of 7.9/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +68.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every THFF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across THFF's 6 active models, average confidence is 45%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy First Financial Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

BUSEFirst Busey CorporationQOC 7.9EBCEastern Bankshares, Inc.QOC 7.9ENBPENB Financial CorpQOC 8.0CNOBConnectOne Bancorp, Inc.QOC 7.9FISIFinancial Institutions, Inc.QOC 8.0RFRegions Financial CorporationQOC 7.9FNWDFinward BancorpQOC 7.4SHBIShore Bancshares, Inc.QOC 8.9SFBSServisFirst Bancshares, Inc.QOC 8.3ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: BUSE · EBC · ENBP · CNOB · FISI · RF · FNWD · SHBI · SFBS · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to THFF?

6 companies across all industries closest to THFF’s Quality of Company score of 7.9/10.

FGF&G Annuities & Life, Inc.QOC 7.9PRVAPrivia Health Group, Inc.QOC 7.9DLTRDollar Tree, Inc.QOC 7.9JILLJ.Jill, Inc.QOC 7.9MSMMSC Industrial Direct Co., Inc.QOC 7.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: FG · PRVA · DLTR · JILL · MSM · NVDA

Where Does THFF Sit in CirclFi's Banks - Regional Rankings?

THFF is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About First Financial Corporation’s Valuation?

What is First Financial Corporation's intrinsic value in 2026?

CirclFi puts First Financial Corporation (THFF)'s intrinsic value at $59.17 — the median of 6 independent model estimates as of 2026-08-27, ranging from $33.68 to $87.74. The Quality of Company score is 7.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is THFF overvalued or undervalued right now?

At $79.50, 1 of 6 active models suggest THFF may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $59.17, 25.6% below the current price of $79.50 — a consensus view that THFF is overvalued. The assessment depends on which methodology best fits First Financial Corporation's business model in Banks - Regional.

What does a Quality of Company score of 7.9 mean for THFF?

First Financial Corporation's QOC of 7.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on THFF?

CirclFi analyzes THFF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on THFF?

Of the 6 models currently active on THFF, Regime Cross-Sectional is the most bullish at $87.74 per share, and Markov DDM is the most bearish at $33.68. CirclFi's published fair value for THFF is the median of that range, $59.17, not either extreme. The gap between the two ends equals 91% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is THFF a value trap in 2026?

First Financial Corporation's Value Trap score is 6/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, First Financial Corporation (THFF) has a median fair value of $59.17 — 25.6% below the current price of $79.50 — as of 2026-08-27.” Source: circlfi.com/stock/THFF/ · Methodology
Primary sources for this THFF valuation
  • Financial statements: First Financial Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0000714562) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for THFF as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 6 mathematical frameworks give you clarity on THFF.

Unlock All 6 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

3 models hidden for THFF Unlock All 6 — $39/mo