First Financial Bankshares, Inc.

NasdaqGS:FFIN Stock Report

Market Cap: US$4.7b

First Financial Bankshares Future Growth

Future criteria checks 1/6

First Financial Bankshares is forecast to grow earnings and revenue by 8.7% and 9.8% per annum respectively while EPS is expected to grow by 8.6% per annum.

Key information

8.7%

Earnings growth rate

8.61%

EPS growth rate

Banks earnings growth7.1%
Revenue growth rate9.8%
Future return on equityn/a
Analyst coverage

Good

Last updated11 Sep 2026

Recent future growth updates

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...

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...

Earnings and Revenue Growth Forecasts

NasdaqGS:FFIN - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/2027746309N/AN/A6
12/31/2026706294N/AN/A6
6/30/2026637269325347N/A
3/31/2026622264309324N/A
12/31/2025603254286299N/A
9/30/2025582243297309N/A
6/30/2025578246291303N/A
3/31/2025554231296311N/A
12/31/2024537224293310N/A
9/30/2024510207268284N/A
6/30/2024497201259276N/A
3/31/2024488200250265N/A
12/31/2023481199268285N/A
9/30/2023490212279296N/A
6/30/2023501221299319N/A
3/31/2023512231315334N/A
12/31/2022516234308324N/A
9/30/2022515231325342N/A
6/30/2022517231350363N/A
3/31/2022514227324343N/A
12/31/2021514228336355N/A
9/30/2021520231323342N/A
6/30/2021506225226246N/A
3/31/2021496222262276N/A
12/31/2020470202194211N/A
9/30/2020438185179193N/A
6/30/2020420175196206N/A
3/31/2020401164N/A161N/A
12/31/2019395165N/A202N/A
9/30/2019386162N/A174N/A
6/30/2019380159N/A209N/A
3/31/2019373154N/A216N/A
12/31/2018369151N/A186N/A
9/30/2018357148N/A194N/A
6/30/2018345138N/A182N/A
3/31/2018333128N/A168N/A
12/31/2017321120N/A190N/A
9/30/2017316111N/A188N/A
6/30/2017308107N/A167N/A
3/31/2017304106N/A156N/A
12/31/2016302105N/A161N/A
9/30/2016299103N/A143N/A
6/30/2016297104N/A155N/A
3/31/2016290102N/A141N/A
12/31/2015281100N/A109N/A
9/30/201527598N/A126N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: FFIN's forecast earnings growth (8.7% per year) is above the savings rate (3.7%).

Earnings vs Market: FFIN's earnings (8.7% per year) are forecast to grow slower than the US market (17.2% per year).

High Growth Earnings: FFIN's earnings are forecast to grow, but not significantly.

Revenue vs Market: FFIN's revenue (9.8% per year) is forecast to grow slower than the US market (13.4% per year).

High Growth Revenue: FFIN's revenue (9.8% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if FFIN's Return on Equity is forecast to be high in 3 years time

Discover growth companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/15 21:22
End of Day Share Price 2026/09/15 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