What Is First Financial Corporation (THFF) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, First Financial Corporation presents a highly debated valuation profile at its current price of $75.54. The composite intrinsic value is estimated at $101.28 (+34.1% average upside), masking a wide model spread between the 6 bullish models and 5 bearish models. Model dispersion is worth noting: Markov DDM targets $206.68 (+173.6%), versus EPV at $38.83 (-48.6%). This +222.2% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About THFF?
12 of 13 models are currently active for THFF. Of these, 7 models suggest upside while 5 models suggest overvaluation. The Bayesian DCF estimates THFF's intrinsic value at $156.07, implying +106.6% upside from the current price. See which stocks rank higher →
How Does THFF Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, THFF ranks #66 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places THFF in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
First Financial Corporation's positioning within the State Commercial Banks 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
12 of 13 models are active for First Financial Corporation. Broad coverage provides high confidence. 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 8.4/10. 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 +222.2% — 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 12 active models, average confidence is 40%. 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 →
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