First Financial Bankshares (FI6) Stock Overview

Through its subsidiaries, provides banking services in the United States. More details

FI6 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	5/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 38.2% below our estimate of its fair value

Earnings are forecast to grow 8.88% per year

Earnings grew by 14% over the past year

Pays a reliable dividend of 2.59%

Risk Analysis

No risks detected for FI6 from our risk checks.

FI6 Community Fair Values

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First Financial Bankshares, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for First Financial Bankshares
Historical stock prices
Current Share Price	US$30.00
52 Week High	US$32.40
52 Week Low	US$24.60
Beta	0.83
1 Month Change	7.14%
3 Month Change	12.78%
1 Year Change	-5.06%
3 Year Change	16.28%
5 Year Change	-27.18%
Change since IPO	-5.06%

Recent updates

Shareholder Returns

	FI6	DE Banks	DE Market
7D	-0.7%	-0.5%	-0.5%
1Y	-5.1%	38.2%	-2.1%

Return vs Industry: FI6 underperformed the German Banks industry which returned 44.1% over the past year.

Return vs Market: FI6 underperformed the German Market which returned 1.2% over the past year.

Price Volatility

Is FI6's price volatile compared to industry and market?
FI6 volatility
FI6 Average Weekly Movement	3.1%
Banks Industry Average Movement	3.6%
Market Average Movement	5.5%
10% most volatile stocks in DE Market	12.7%
10% least volatile stocks in DE Market	2.8%

Stable Share Price: FI6 has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: FI6's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1890	1,550	David Bailey	www.ffin.com

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.

First Financial Bankshares, Inc. Fundamentals Summary

How do First Financial Bankshares's earnings and revenue compare to its market cap?
FI6 fundamental statistics
Market cap	€4.32b
Earnings (TTM)	€230.86m
Revenue (TTM)	€544.46m

18.3x

P/E Ratio

2.5x

P/B Ratio

Is FI6 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FI6 income statement (TTM)
Revenue	US$622.10m
Cost of Revenue	US$0
Gross Profit	US$622.10m
Other Expenses	US$358.32m
Earnings	US$263.78m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)	1.85
Gross Margin	100.00%
Net Profit Margin	42.40%
Debt/Equity Ratio	4.6%

How did FI6 perform over the long term?

See historical performance and comparison

Dividends

2.6%

Current Dividend Yield

41%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/07/08 03:57
End of Day Share Price	2026/07/08 00:00
Earnings	2026/03/31
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First Financial Bankshares, Inc. is covered by 12 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Bryce Rowe	Baird
Brett Rabatin	Benchmark Company
David Rochester	Cantor Fitzgerald & Co.

First Financial Bankshares (FI6) Stock Overview

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Risk Analysis

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First Financial Bankshares, Inc. Competitors

ProCredit Holding

Commerzbank

ServisFirst Bancshares

Hokuhoku Financial Group

Price History & Performance

Recent News & Updates

Upcoming dividend of US$0.22 per share

First quarter dividend of US$0.22 announced

First Financial Bankshares, Inc. Increases Cash Dividend for the Second Quarter of 2026, Payable on July 1, 2026

First Financial Bankshares, Inc. Reports Net Charge Offs for the First Quarter Ended March 31, 2026

First Financial Bankshares, Inc., Annual General Meeting, Apr 28, 2026

First Financial Bankshares, Inc. and First Financial Bank Appoint David Bailey as President, Effective February 1, 2026

Recent updates

Upcoming dividend of US$0.22 per share

First quarter dividend of US$0.22 announced

First Financial Bankshares, Inc. Increases Cash Dividend for the Second Quarter of 2026, Payable on July 1, 2026

First Financial Bankshares, Inc. Reports Net Charge Offs for the First Quarter Ended March 31, 2026

First Financial Bankshares, Inc., Annual General Meeting, Apr 28, 2026

First Financial Bankshares, Inc. and First Financial Bank Appoint David Bailey as President, Effective February 1, 2026

First Financial Bankshares, Inc. and First Financial Bank Announce CEO Changes, Effective February 1, 2026

First Financial Bankshares, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2025

First Financial Bankshares, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025

First Financial Bankshares, Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2025

First Financial Bankshares, Inc. Approves Board Changes

First Financial Bankshares, Inc. Reports Unaudited Net Charge-Offs Results for the First Quarter Ended March 31, 2025

First Financial Bankshares, Inc., Annual General Meeting, Apr 29, 2025

First Financial Bankshares, Inc. Announces Net Charge-Offs for the Fourth Quarter of 2024

First Financial Bankshares, Inc. Announces Executive Changes, Effective January 1, 2025

Investor sentiment improves as stock rises 16%

Third quarter dividend of US$0.18 announced

Third quarter 2024 earnings released: EPS: US$0.39 (vs US$0.35 in 3Q 2023)

First Financial Bankshares, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2024

Now 21% undervalued

First Financial Bankshares, Inc Announces Election of Brian D. Goodrich as Executive Vice President and General Counsel

Upcoming dividend of US$0.18 per share

Second quarter dividend of US$0.18 announced

First Financial Bankshares, Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2024

Second quarter 2024 earnings released: EPS: US$0.37 (vs US$0.36 in 2Q 2023)

Investor sentiment improves as stock rises 17%

First Financial Bankshares Names Dan Summerford EVP, Director of Middle Market Banking

Upcoming dividend of US$0.18 per share

First Financial Bank Announces Executive Promotions

First Financial Bankshares Appoints Sally Pope Davis to Board of Directors

First quarter dividend of US$0.18 announced

First quarter 2024 earnings released: EPS: US$0.37 (vs US$0.37 in 1Q 2023)

First Financial Bankshares, Inc. Reports Net Charge-Offs for the First Quarter Ended March 31, 2024

First quarter 2024 earnings released: EPS: US$0.37 (vs US$0.37 in 1Q 2023)

Now 23% undervalued

First Financial Bankshares, Inc., Annual General Meeting, Apr 23, 2024

Upcoming dividend of US$0.18 per share

Full year 2023 earnings released: EPS: US$1.39 (vs US$1.64 in FY 2022)

Now 24% undervalued

Fourth quarter dividend of US$0.18 announced

First Financial Bankshares, Inc. Appoints Daniel Neely as Senior Vice President, Treasury Sales Manager

First Financial Bankshares, Inc. Names Eric Bonnell as Senior Vice President

First Financial Bankshares, Inc. Appoints Keith Morton as Executive Vice President

Full year 2023 earnings released: EPS: US$1.39 (vs US$1.64 in FY 2022)

Now 21% undervalued

New major risk - Revenue and earnings growth

Upcoming dividend of US$0.18 per share at 2.6% yield

Third quarter 2023 earnings released: EPS: US$0.35 (vs US$0.42 in 3Q 2022)

First Financial Bankshares, Inc. Reports Net Charge-Offs for the Third Quarter of 2023

First Financial Bankshares, Inc. Appoints Javier Jurado as Executive Vice President and Chief Audit Executive

Upcoming dividend of US$0.18 per share at 2.6% yield

Now 21% undervalued

First Financial Bankshares, Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2023

Second quarter 2023 earnings released: EPS: US$0.36 (vs US$0.42 in 2Q 2022)

Investor sentiment improves as stock rises 16%

Upcoming dividend of US$0.18 per share at 2.5% yield

Now 21% undervalued after recent price drop

Now 22% undervalued after recent price drop

Independent Director recently bought €91k worth of stock

First quarter 2023 earnings released: EPS: US$0.37 (vs US$0.39 in 1Q 2022)

Now 22% undervalued after recent price drop

Now 21% undervalued after recent price drop