First Financial Bankshares, Inc.

NasdaqGS:FFIN Stock Report

Market Cap: US$5.0b

First Financial Bankshares Dividends and Buybacks

Dividend criteria checks 4/6

First Financial Bankshares is a dividend paying company with a current yield of 2.52% that is well covered by earnings. Next payment date is on 1st October, 2026 with an ex-dividend date of 14th September, 2026.

Key information

2.5%

Dividend yield

-0.05%

Buyback Yield

Total Shareholder Yield2.5%
Future Dividend Yield2.6%
Dividend Growth9.0%
Next dividend pay date01 Oct 26
Ex dividend date14 Sep 26
Dividend per sharen/a
Payout ratio42%

Recent dividend and buyback updates

Recent updates

Seeking Alpha • Jun 11

First Financial Bankshares: An Upgrade Is Difficult To Justify At This Valuation

Summary First Financial Bankshares remains rated 'hold' due to valuation concerns despite solid operational performance and asset quality. FFIN demonstrates strong net interest income growth, improved net interest margin, and robust returns on assets and equity versus peers. Loan portfolio is diversified but auto loan delinquencies and a high price-to-earnings multiple warrant close monitoring. Balance sheet growth and low debt are positives, but FFIN's premium valuation limits upside relative to its fundamentals. Read the full article on Seeking Alpha
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
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

Upcoming Dividend Payment

TodayAug 13 2026Ex Dividend DateSep 14 2026Dividend Pay DateOct 01 202617 days from Ex DividendBuy in the next 32 days to receive the upcoming dividend

Stability and Growth of Payments

Fetching dividends data

Stable Dividend: FFIN's dividends per share have been stable in the past 10 years.

Growing Dividend: FFIN's dividend payments have increased over the past 10 years.

Dividend Yield vs Market

First Financial Bankshares Dividend Yield vs Market
How does FFIN dividend yield compare to the market?
SegmentDividend Yield
Company (FFIN)2.5%
Market Bottom 25% (US)1.3%
Market Top 25% (US)4.0%
Industry Average (Banks)2.3%
Analyst forecast (FFIN) (up to 3 years)2.6%

Notable Dividend: FFIN's dividend (2.52%) is higher than the bottom 25% of dividend payers in the US market (1.32%).

High Dividend: FFIN's dividend (2.52%) is low compared to the top 25% of dividend payers in the US market (4.02%).

Current Payout to Shareholders

Earnings Coverage: With its reasonably low payout ratio (42.1%), FFIN's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/08/12 22:26
End of Day Share Price 2026/08/12 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 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.

AnalystInstitution
Bryce RoweBaird
Brett RabatinBenchmark Company
David RochesterCantor Fitzgerald & Co.