FFIN Stock Analysis: First Financial Bankshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 4.970m USD | 12M Return: -3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 31.6M
EPS Trend: 87.8%
Qual. Beats: 0
Rev. Trend: 99.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
First Financial Bankshares, Inc. (FFIN) is a Texas-based bank holding company founded in 1890 and headquartered in Abilene, operating through subsidiaries to provide a comprehensive suite of commercial and personal banking services across the United States. Its core offerings span traditional depository products (checking, savings, and time deposits), lending solutions (commercial, agricultural, construction, residential, and consumer loans), digital and branch-based banking (ATMs, internet and mobile banking, remote deposit capture), as well as securities brokerage and personal trust services including wealth management, estate administration, and property management. The company also provides advisory and specialized services related to lending, investing, marketing, and technology.
As a regional bank operating primarily in Texas, FFIN benefits from a community banking model that emphasizes local relationship-based lending and deposit gathering, a sector that has historically generated stable net interest margins through exposure to commercial real estate and agricultural lending in its core Texas markets. The company is listed on the NASDAQ and carries a mid-cap valuation within the Financials sector.
- Net interest margin compresses as Fed cuts rates
- Texas commercial loan growth outpaces national peers
- Wealth management fees expand with new Texas markets
| Net Income: 269.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.06 > 1.0 |
| NWC/Revenue: -1.50k% < 20% (prev -1.17k%; Δ -326.2% < -1%) |
| CFO/TA 0.02 > 3% & CFO 321.2m > Net Income 269.0m |
| Net Debt (-209.3m) to EBITDA (338.3m): -0.62 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (143.7m) vs 12m ago 0.93% < -2% |
| Gross Margin: 73.09% > 18% (prev 72.65%; Δ 0.44% > 0.5%) |
| Asset Turnover: 5.82% > 50% (prev 5.44%; Δ 0.38% > 0%) |
| Interest Coverage Ratio: 1.63 > 6 (EBIT TTM 328.0m / Interest Expense TTM 201.4m) |
| A: -0.84 (Total Current Assets 284.8m - Total Current Liabilities 13.2b) / Total Assets 15.3b |
| B: 0.09 (Retained Earnings 1.44b / Total Assets 15.3b) |
| C: 0.02 (EBIT TTM 328.0m / Avg Total Assets 14.8b) |
| D: 0.15 (Book Value of Equity 2.00b / Total Liabilities 13.3b) |
| Altman-Z'' = -4.93 = D |
As of July 28, 2026, the stock is trading at USD 34.44 with a total of 554,790 shares traded. Over the past week, the price has changed by -1.26%, over one month by -0.12%, over three months by +6.90% and over the past year by -3.00%.
Current recommended Stop Loss: 33.40 (which is 3% or 1.4 ATR below the current price).
First Financial Bankshares has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold FFIN.
- StrongBuy: 0
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 37 | 7.4% |
P/E Trailing = 18.4468
P/E Forward = 24.57
P/S = 7.8002
P/B = 2.4768
P/EG = 2.55
Revenue TTM = 863.3m USD
EBIT TTM = 328.0m USD
EBITDA TTM = 338.3m USD
Long Term Debt = 21.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = 53.7m USD (from shortTermDebt, last quarter)
Debt = 75.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -209.3m USD (calculated: Debt 75.5m - CCE 284.8m)
Enterprise Value = 4.76b USD (4.97b + Debt 75.5m - CCE 284.8m)
Interest Coverage Ratio = 1.63 (Ebit TTM 328.0m / Interest Expense TTM 201.4m)
EV/FCF = 15.57x (Enterprise Value 4.76b / FCF TTM 305.7m)
FCF Yield = 6.42% (FCF TTM 305.7m / Enterprise Value 4.76b)
FCF Margin = 35.41% (FCF TTM 305.7m / Revenue TTM 863.3m)
Net Margin = 31.16% (Net Income TTM 269.0m / Revenue TTM 863.3m)
Gross Margin = 73.09% ((Revenue TTM 863.3m - Cost of Revenue TTM 232.3m) / Revenue TTM)
Gross Margin QoQ = 76.00% (prev 76.54%)
Tobins Q-Ratio = 0.31 (Enterprise Value 4.76b / Total Assets 15.3b)
Interest Expense / Debt = 266.8% (Interest Expense 201.4m / Debt 75.5m)
Taxrate = 17.99% (59.0m / 328.0m)
NOPAT = 269.0m (EBIT 328.0m * (1 - 17.99%))
Current Ratio = 0.02 (Total Current Assets 284.8m / Total Current Liabilities 13.2b)
Debt / Equity = 0.04 (Debt 75.5m / totalStockholderEquity, last quarter 2.00b)
Debt / EBITDA = -0.62 (Net Debt -209.3m / EBITDA 338.3m)
Debt / FCF = -0.68 (Net Debt -209.3m / FCF TTM 305.7m)
Total Stockholder Equity = 1.92b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.81% (Net Income 269.0m / Total Assets 15.3b)
RoE = 14.00% (Net Income TTM 269.0m / Total Stockholder Equity 1.92b)
RoCE = 16.88% (EBIT 328.0m / Capital Employed (Equity 1.92b + L.T.Debt 21.1m))
RoIC = 12.78% (NOPAT 269.0m / Invested Capital 2.10b)
WACC = 8.76% (E(4.97b)/V(5.05b) * Re(8.89%) + (debt cost/tax rate unavailable))
Discount Rate = 8.89% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 69.63 | Cagr: 0.31%
[DCF] Terminal Value 74.47% ; FCFF base≈301.8m ; Y1≈311.4m ; Y5≈348.4m
[DCF] Fair Price = 36.60 (EV 5.04b - Net Debt -209.3m = Equity 5.25b / Shares 143.3m; r=8.76% [WACC]; 5y FCF grow 3.32% → 2.50% )
EPS Correlation: 87.77 | EPS CAGR: 13.58% | SUE: 0.0 | # QB: 0
Revenue Correlation: 99.42 | Revenue CAGR: 14.15% | SUE: 0.77 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.52 | Chg30d=+1.36% | Revisions=+40% | Analysts=5
EPS current Year (2026-12-31): EPS=2.05 | Chg30d=+0.54% | Revisions=+40% | GrowthEPS=+15.6% | GrowthRev=+9.4%
EPS next Year (2027-12-31): EPS=2.16 | Chg30d=+1.05% | Revisions=+40% | GrowthEPS=+5.6% | GrowthRev=+6.0%
[Analyst] Revisions Ratio: +67% (up=6, down=0)