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First Financial Bankshares, Inc.NasdaqGS:FFIN Stock Report

Market Cap US$4.7b
Share Price
n/a
1Y-6.1%
7D-0.5%
1D0.3%
Portfolio Value
​
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First Financial Bankshares, Inc.

NasdaqGS:FFIN Stock Report

Market Cap: US$4.7b

First Financial Bankshares (FFIN) Stock Overview

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

FFIN fundamental analysis
Snowflake Score
Valuation3/6
Future Growth1/6
Past Performance3/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 28% below our estimate of its fair value

Earnings are forecast to grow 8.67% per year

Earnings have grown 2.2% per year over the past 5 years

Pays a reliable dividend of 2.65%

Risk Analysis

Significant insider selling over the past 3 months


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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 PriceUS$33.26
52 Week HighUS$36.52
52 Week LowUS$28.12
Beta0.82
1 Month Change-5.73%
3 Month Change-0.39%
1 Year Change-6.12%
3 Year Change24.43%
5 Year Change-24.01%
Change since IPO1,953.36%

Recent News & Updates

Seeking Alpha • Aug 14

First Financial Bankshares: Lofty Valuation Continues To Weigh

Summary First Financial Bankshares (FFIN) has been a disappointing performer over the past year, entirely missing out on the banking industry's large rally. FFIN's operating performance hasn't been poor. Revenue, earnings and book value have all grown nicely, but the stock has been hampered by valuation changes. With around 40% of its interest-earning assets invested in relatively low-yielding bonds, repricing should be an ongoing tailwind for FFIN's net interest income. FFIN's credit metrics are benign, and there's no evidence that last year's misstep was anything more than an isolated incident. Multiple contraction remains a risk. Despite strong fundamentals, FFIN's valuation remains rich versus Texas peers. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Aug 14

First Financial Bankshares: Lofty Valuation Continues To Weigh

Summary First Financial Bankshares (FFIN) has been a disappointing performer over the past year, entirely missing out on the banking industry's large rally. FFIN's operating performance hasn't been poor. Revenue, earnings and book value have all grown nicely, but the stock has been hampered by valuation changes. With around 40% of its interest-earning assets invested in relatively low-yielding bonds, repricing should be an ongoing tailwind for FFIN's net interest income. FFIN's credit metrics are benign, and there's no evidence that last year's misstep was anything more than an isolated incident. Multiple contraction remains a risk. Despite strong fundamentals, FFIN's valuation remains rich versus Texas peers. Read the full article on Seeking Alpha
Analysis Article • May 05

First Financial Bankshares (NASDAQ:FFIN) Is Increasing Its Dividend To $0.19

First Financial Bankshares, Inc. ( NASDAQ:FFIN ) has announced that it will be increasing its periodic dividend on the...
Seeking Alpha • Apr 24

First Financial Bankshares: Looking A Little More Interesting

Summary Texas's First Financial Bankshares has seen mixed trends since my last piece in January, with earnings looking good but the stock falling due to economic fears. This is one of the most profitable banks I cover, and for a number of reasons, I think it could outperform in a downturn as well. While the stock is slightly cheaper than it was last time I covered it, the valuation still leaves me neutral overall. Read the full article on Seeking Alpha
Seeking Alpha • Jan 31

First Financial Bankshares: Excellent Q4 Results, But The Valuation Remains A Problem

Summary First Financial Bankshares has been a relatively soft performer since my opening piece last year, trailing the wider small bank space as well as other Texan banks. Fourth quarter results were strong, with the bank reporting a 1.8% return on assets and an 18.8% return on tangible equity. Having lagged when interest rates were rising, First Financial now enjoys above-average NIM prospects going forward, with that pointing to solid growth in 2025. The valuation remains a sticking point, though, with these shares trading at a significant premium to peers. Read the full article on Seeking Alpha
Analysis Article • Oct 21

First Financial Bankshares, Inc. (NASDAQ:FFIN) Just Released Its Third-Quarter Earnings: Here's What Analysts Think

Investors in First Financial Bankshares, Inc. ( NASDAQ:FFIN ) had a good week, as its shares rose 2.3% to close at...
Seeking Alpha • Sep 19

First Financial Bankshares: An Outstanding Texan Bank

Summary Shares of Texas-based First Financial Bankshares have been an excellent long-term investment, outperforming the wider regional bank space and the S&P 500. First Financial has an outstanding deposit base and enjoys a clear funding cost advantage. A sub-50% efficiency ratio further contributes to well above-average profitability. These shares look expensive at ~25x EPS. While there are mitigating circumstances that go some way to justifying this, I think the stock will struggle to deliver 10%-plus annualized returns. Read the full article on Seeking Alpha
Seeking Alpha • Sep 08

Staying The Course With First Financial Bankshares

Summary First Financial Bankshares has shown improvements in deposits and loans, with deposits rising to $11.41 billion and loans to $7.42 billion in Q2 2024. Despite improvements, uninsured deposit exposure remains high at 46.1%, and the stock is still expensive relative to earnings and book value. Net interest income increased to $196.8 million, driven by higher interest-earning assets and an improved net interest margin, while non-interest income also grew. Although the business is high-quality, the current trading multiple is too high to justify a 'buy' rating; maintaining a 'hold' rating is prudent. Read the full article on Seeking Alpha
Seeking Alpha • May 03

First Financial: Buy This Hidden Gem For Regional Bank Recovery

Summary Regional banks, including First Financial Bankshares, have been affected by rate-tightening and regional bank fallout, but a good turnaround is expected in 2024. First Financial Bankshares is a top pick due to its track record of dividend growth and an excellent operation history. The bank operates in Texas, which has the fastest-growing population and a strong economy, making it a favorable investment choice. Read the full article on Seeking Alpha
Analysis Article • Mar 01

First Financial Bankshares' (NASDAQ:FFIN) Dividend Will Be $0.18

First Financial Bankshares, Inc. ( NASDAQ:FFIN ) will pay a dividend of $0.18 on the 1st of April. Even though the...
Analysis Article • Feb 08

First Financial Bankshares' (NASDAQ:FFIN) Dividend Will Be $0.18

The board of First Financial Bankshares, Inc. ( NASDAQ:FFIN ) has announced that it will pay a dividend on the 1st of...
Analysis Article • Dec 13

First Financial Bankshares (NASDAQ:FFIN) Will Pay A Dividend Of $0.18

First Financial Bankshares, Inc.'s ( NASDAQ:FFIN ) investors are due to receive a payment of $0.18 per share on 2nd of...

Shareholder Returns

FFINUS BanksUS Market
7D-0.5%-2.3%-1.5%
1Y-6.1%16.0%13.3%

Return vs Industry: FFIN underperformed the US Banks industry which returned 17.8% over the past year.

Return vs Market: FFIN underperformed the US Market which returned 13.9% over the past year.

Price Volatility

Is FFIN's price volatile compared to industry and market?
FFIN volatility
FFIN Average Weekly Movement2.9%
Banks Industry Average Movement3.1%
Market Average Movement6.9%
10% most volatile stocks in US Market15.3%
10% least volatile stocks in US Market2.9%

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

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

About the Company

FoundedEmployeesCEOWebsite
18901,550David Baileywww.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?
FFIN fundamental statistics
Market capUS$4.72b
Earnings (TTM)US$269.01m
Revenue (TTM)US$637.20m
17.6x
P/E Ratio
2.4x
P/B Ratio

Is FFIN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FFIN income statement (TTM)
RevenueUS$637.20m
Cost of RevenueUS$0
Gross ProfitUS$637.20m
Other ExpensesUS$368.19m
EarningsUS$269.01m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)1.89
Gross Margin100.00%
Net Profit Margin42.22%
Debt/Equity Ratio3.8%

How did FFIN perform over the long term?

See historical performance and comparison

Dividends

2.6%
Current Dividend Yield
42%
Payout Ratio

Does FFIN pay a reliable dividends?

See FFIN dividend history and benchmarks
When do you need to buy FFIN by to receive an upcoming dividend?
First Financial Bankshares dividend dates
Ex Dividend DateSep 14 2026
Dividend Pay DateOct 01 2026
Days until Ex dividend2 days
Days until Dividend pay date15 days

Does FFIN pay a reliable dividends?

See FFIN dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/14 16:55
End of Day Share Price 2026/09/14 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 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 13 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Bryce RoweBaird
David RochesterCantor Fitzgerald & Co.
John PancariEvercore ISI