Back to rankings

First Financial Bankshares, Inc. (FFIN)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fundamental

52

Price

$33.78

Market Cap

$4.90B

Part 1 · What the company is worth

Overview

First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services. It also provides personal trust services, such as wealth management; administration of estates, oil and gas management; farm and ranch; property management; testamentary trusts; revocable and irrevocable trusts; and agency accounts. In addition, the company offers commercial and industrial; municipal; agricultural; construction and development; farm; residential; consumer auto and non-auto; and non-owner occupied and owner occupied commercial real estate loans. Further, it provides advice and specialized services related to lending, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

No editorial profile for this company yet

No competitor list for this company yet.

Balance Sheet & Liquidity

Revenue

$666M

Trailing 12 months (through 6/30/2026)

Net Income

$269M

Trailing 12 months (through 6/30/2026)

Free Cash Flow

$286M

Total Equity

$1.92B

Total Liabilities

$13.53B

Current Ratio

-

Interest Coverage

0.62

Debt/EBITDA

-

Earnings Per Share

Revenue & Net Income

Free Cash Flow

Income Breakdown

Historical statement

Margins over time

Debt over time

Growth grid

Growth — Revenue

Fair Value Estimation

BankFairly Valued

Fair Value

$28.24

Current Price

$33.78

Margin of Safety

-19.6%

Fair Value Range

$20.83 - $35.65

Estimation Methods

Analyst price target:$37.00
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$30.98
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$26.93
Dividend discount (Gordon):$14.97
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
Analyst Consensus:Buy (6B / 5H / 0S)
Last Earnings Surprise:-2.42%

Valuation Metrics

P/E Ratio

18.16

ROE

13.2%

P/B Ratio

2.44

P/FCF

14.96

Gross Margin

-

ROIC

-

Profitability Radar

Value Creation (Economic Moat)

ROIC

-

WACC

9.2%

ROIC − WACC

-

Fundamental Analysis Criteria

Passed (12)

  • P/FCF 14.96
  • P/B Ratio 2.44
  • Operating Margin 49.3%
  • Positive Free Cash Flow
  • CapEx intensity
  • Low reliance on intangibles
  • ROE 14.3%
  • Revenue Growth 5Y 12.0%
  • Analyst Consensus 55% Buy
  • Earnings Quality (OCF/NI) 1.29
  • Share Dilution -0.0%
  • Piotroski F-Score 7/9

Failed (11)

  • EPS shows upward trend
  • EPS CAGR -2.12%
  • Price CAGR 4.21%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • Price below Graham Number
  • DCF valuation (Overvalued)
  • Earnings Surprise avg -4.7%
  • PEG Ratio 4.05
  • Net Margin Trend 40.4% vs 41.5%

Unavailable (5)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Piotroski F-Score

7/9

Strong financial health

score
criteria

Earnings Quality

1.29

High quality: earnings backed by cash

Share Dilution

0.0%

Buying back shares. Shareholder friendly

Governance

Executive Team

NameTitleAge
Mr. F. Scott DueserExecutive Chairman72
Mr. David W. BaileyCEO & President41
Ms. Michelle S. Hickox CPAExecutive VP, CFO, Secretary & Treasurer57
Mr. Ronald D. Butler IIExecutive VP & Chief Administrative Officer64
Mr. Timothy Luke LonghoferExecutive VP & Chief Credit Officer42
Mr. J. Kyle McVey CPAExecutive VP, Chief Accounting Officer & Investor Relations Director38
Mr. Timothy BrownExecutive VP & Chief Information Officer59
Mr. Mike ParkerExecutive VP & Chief Compliance Officer-
Mr. Brian D. GoodrichExecutive VP & General Counsel52
Mr. Josh Brown CPLSenior Vice President of Human Resources-

Audit Risk

4

Board Risk

4

Compensation Risk

2

Shareholder Rights Risk

3

Part 2 · The price and when to enter

This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.

Latest News

Recent headlines for FFIN, sourced from Markets Gazette.

No recent news for FFIN.