First Financial Bankshares Balance Sheet Health
Financial Health criteria checks 6/6
First Financial Bankshares has total assets of $13.6B and total equity of $1.7B. Total deposits are $11.8B, and total loans are $7.6B. It earns a Net Interest Margin of 3.3%. It has sufficient allowance for bad loans, which are currently at 0.8% of total loans. Cash and short-term investments are $310.5M.
Key information
8.2x
Asset to equity ratio
3.3%
Net interest margin
| Total deposits | US$11.76b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.8% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$310.53m |
Recent financial health updates
No updates
Recent updates
First Financial Bankshares, Inc. (NASDAQ:FFIN) Just Released Its Third-Quarter Earnings: Here's What Analysts Think
Oct 21
First Financial Bankshares: An Outstanding Texan Bank
Sep 19Staying The Course With First Financial Bankshares
Sep 08First Financial: Buy This Hidden Gem For Regional Bank Recovery
May 03First Financial Bankshares' (NASDAQ:FFIN) Dividend Will Be $0.18
Mar 01First Financial Bankshares' (NASDAQ:FFIN) Dividend Will Be $0.18
Feb 08First Financial Bankshares goes ex-dividend tomorrow
Sep 13First Financial Bankshares GAAP EPS of $0.42 beats by $0.02, revenue of $136.1M in-line
Jul 21Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FFIN's Assets to Equity ratio (8.2x) is low.
Allowance for Bad Loans: FFIN has a sufficient allowance for bad loans (156%).
Low Risk Liabilities: 99% of FFIN's liabilities are made up of primarily low risk sources of funding.
Loan Level: FFIN has an appropriate level of Loans to Assets ratio (56%).
Low Risk Deposits: FFIN's Loans to Deposits ratio (65%) is appropriate.
Level of Bad Loans: FFIN has an appropriate level of bad loans (0.8%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 03:01 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
First Financial Bankshares, Inc. is covered by 17 analysts. 4 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 |
| Michael Zaremski | Credit Suisse |
| David Bishop | Drexel Hamilton |