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First Financial Bankshares, Inc. FFIN R2K

Financial Services · Banks - Regional · United States
https://www.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. In addition, the company offers commercial and industrial; municipal; agricultural; construction and development; farm; residential; consumer auto and non-auto; and non-owner occupied and owner occupied commercial real estate loans. Further, it provides advice and specialized services related to lending, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

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$32.68
-5.15% 1Y

Market & Price

Market Cap
$4.68B
Current Price
$32.68
High / Low (52W)
$37.31 / $28.59
Beta
0.84

Valuation

Stock P/E
17.76
Industry PE
12.01
Forward P/E
15.29
PEG Ratio
2.55
Book Value
$13.66
Price to Book
2.39
P/S
7.53
EV/EBITDA
-
Dividend Yield
2.69%

Profitability & Returns

ROCE
-
ROE
14.56%
ROA
1.78%
Profit Margin
42.40%
Op Margin
57.12%
EPS (Latest Qtr)
$0.50
EPS (TTM)
$1.84

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$90.25M
Total Assets
$15.45B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.63%
Chg in Prom Hold
-
FII / Inst Holding
68.89%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$4.41B
Total Revenue (TTM)
$622.10M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$324.26M
Shares Outstanding
143.28M
Gross Margin
0.00%
Payout Ratio
41.30%

Growth (CAGR)

Revenue 5Y
5.89%
Profit 5Y
2.65%
Revenue (YoY)
13.10%
Earnings (YoY)
16.40%

PROS

  • Excellent profit margin of 42.4%.
  • Attractive dividend yield of 2.69%.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FFIN First Financial Bankshares, Inc. R2K 32.68 17.76 $4.68B 2.69% - 14.56% 5.89% 2.65%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------145.35M153.01M157.53M161.21M163.52M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------48.32M49.08M52.69M51.50M48.15M
Pretax Income -----------------------------------75.16M81.74M63.16M89.55M87.83M
Tax Provision -----------------------------------13.81M15.08M10.90M16.24M16.29M
Net Income 19.56M22.34M21.20M23.43M24.00M25.31M25.89M25.70M26.81M25.60M26.60M28.25M29.37M34.52M37.63M40.05M38.25M42.09M43.08M37.23M53.47M52.86M56.92M56.38M58.93M55.97M60.49M59.34M52.57M50.87M49.56M53.40M52.48M--61.35M66.66M52.27M73.31M71.54M
Diluted EPS 0.300.350.330.360.370.390.400.390.410.390.400.430.440.250.280.290.280.310.320.260.380.370.400.390.410.390.420.410.370.360.350.370.37--0.430.470.360.510.50

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue --------------519.83M478.05M537.04M617.11M
Cost of Revenue ------------------
Gross Profit ------------------
Operating Expenses ------------------
Operating Income ------------------
EBITDA ------------------
Interest Expense --------------31.44M144.26M202.18M201.59M
Pretax Income --------------280.87M243.30M271.85M309.60M
Tax Provision --------------46.40M44.32M48.34M56.02M
Net Income 53.16M53.80M59.66M68.37M74.22M78.87M89.56M100.38M104.77M120.37M150.64M164.81M202.03M-234.47M198.98M223.51M253.58M
Diluted EPS 2.551.721.912.171.181.241.391.541.590.911.111.211.42-1.641.391.561.77

Compounded Sales Growth

5 Years:5.89%
1 Year:13.10%

Compounded Profit Growth

5 Years:2.65%
1 Year:16.40%

Stock Price Performance

1 Year:-5.15%
6 Months:+4.55%
3 Months:+6.34%
1 Month:+2.64%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --3.28B3.78B4.12B4.50B5.22B5.85B6.67B6.81B7.25B7.73B8.26B10.90B-12.97B13.11B13.98B15.45B
Current Assets -------------------
Cash & Equivalents ---------------330.68M536.59M763.41M1.08B
Inventory -------------------
Receivables -------------------
Total Liabilities --2.86B3.33B3.61B3.95B4.63B5.17B5.86B5.97B6.33B6.68B7.04B9.23B-11.71B11.61B12.37B13.53B
Current Liabilities -------------------
Long Term Debt ---------------21.05M21.05M121.05M21.05M
Total Debt ---------------21.05M21.05M121.05M21.05M
Total Equity 335.50M368.78M415.70M441.69M508.54M556.96M587.65M681.54M804.99M837.88M922.77M1.05B1.23B1.68B-1.27B1.50B1.61B1.92B
Shares Outstanding ---------------142.66M142.72M142.94M143.21M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -10.49M171.51M71.83M95.11M93.06M109.86M160.74M190.27M186.35M202.45M210.67M-324.27M284.82M309.64M299.44M
Investing Cash Flow -164.68M-58.19M-355.81M-331.03M-294.99M-556.77M-251.96M-398.04M-273.29M-447.80M-1.26B--838.00M127.29M-736.88M-1.02B
Financing Cash Flow 79.18M-15.12M283.33M222.49M311.83M298.19M74.82M323.63M-36.77M279.31M1.50B-315.82M-206.20M654.06M1.03B
Capital Expenditure -------------15.78M-17.25M-16.72M-13.44M
Free Cash Flow ------------308.49M267.57M292.92M286.01M
Net Change in Cash -------------197.91M205.91M226.82M314.57M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % --------------45.1%41.6%41.6%41.1%
ROE % 14.4%12.9%13.5%13.4%13.3%13.4%13.1%12.5%12.5%13.0%14.3%13.4%12.0%-18.5%13.3%13.9%13.2%
ROCE % ------------------

Shareholding Pattern

Insiders
3.63%
Institutions
68.89%
Public Float
71.48%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 11.94% 17.11M $559.02M
2 Vanguard Portfolio Management LLC 5.03% 7.20M $235.37M
3 State Street Corporation 4.55% 6.52M $213.11M
4 Vanguard Capital Management LLC 3.90% 5.58M $182.40M
5 Neuberger Berman Group, LLC 2.68% 3.85M $125.66M
6 Geode Capital Management, LLC 2.57% 3.68M $120.26M
7 Kayne Anderson Rudnick Investment Management LLC 2.27% 3.25M $106.16M
8 Dimensional Fund Advisors LP 1.93% 2.76M $90.23M
9 Fuller & Thaler Asset Management Inc. 1.53% 2.19M $71.63M
10 AQR Capital Management, LLC 1.51% 2.16M $70.75M

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