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First Financial Bankshares, Inc. FFIN R2K

Financial Services · Banks - Regional · United States
https://www.ffin.com
Company Profile ↓
$34.64
-4.53% 1Y
Mkt Cap$4.96B
P/E18.83
P/B2.46
Div. Yield2.61%
52W High$37.06
52W Low$28.40
Book Value$13.66
EPS (TTM)$1.84

Company Overview

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.

Why Investors Should Care

Healthy Margins

Maintains a net profit margin of 42.4%.

Dividend Income

Offers a dividend yield of 2.61%.

Recent Developments

  • Dec 2025 Revenue of $617.11M (+14.9% YoY); net profit $253.58M.
  • Trailing 12 Months Year-on-year growth — revenue +13.1%, earnings +16.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR 5.9%, profit CAGR 2.6%.

Growth & Price Performance

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:-4.53%
6 Months:+11.17%
3 Months:+10.95%
1 Month:+4.72%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 72% of range
$28.40 $37.06
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.61 · Neutral
Price Performance
1M+4.72%
3M+10.95%
6M+11.17%
1Y-4.53%
Valuation vs Sector

P/E of 18.83 is above the sector median of 13.30 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 42.4%.
  • Attractive dividend yield of 2.61%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
18.83
Industry PE
13.30
Forward P/E
16.21
PEG Ratio
2.55
Book Value
$13.66
Price to Book
2.46
P/S
7.75
EV/EBITDA
-
Dividend Yield
2.61%

Growth (CAGR)

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

Profitability & Returns

ROCE
-
ROE
14.56%
ROA
1.78%
Profit Margin
42.40%
Op Margin
57.12%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.50
EPS (TTM)
$1.84

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$90.25M
Total Assets
$15.39B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.63%
Chg in Prom Hold
-
FII / Inst Holding
68.89%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$4.96B
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%

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 34.64 18.83 $4.96B 2.61% - 14.56% 5.89% 2.65%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 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 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 18.58M19.49M19.56M22.34M21.20M23.43M24.00M25.31M25.89M25.70M26.81M25.60M26.60M28.25M29.37M34.52M37.63M40.05M38.25M42.09M43.08M37.23M53.47M52.86M56.92M56.38M58.93M55.97M60.49M59.34M52.57M50.87M49.56M53.40M52.48M55.31M61.35M66.66M52.27M71.54M
Diluted EPS 0.290.310.300.350.330.360.370.390.400.390.410.390.400.430.440.250.280.290.280.310.320.260.380.370.400.390.410.390.420.410.370.360.350.370.370.390.430.470.360.50

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

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 --3.28B3.78B4.12B4.50B5.22B5.85B6.67B6.81B7.25B7.73B8.26B10.90B13.10B12.97B13.11B13.98B15.45B
Total Equity 335.50M368.78M415.70M441.69M508.54M556.96M587.65M681.54M804.99M837.88M922.77M1.05B1.23B1.68B1.76B1.27B1.50B1.61B1.92B
Total Liabilities --2.86B3.33B3.61B3.95B4.63B5.17B5.86B5.97B6.33B6.68B7.04B9.23B11.34B11.71B11.61B12.37B13.53B

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 -10.49M171.51M71.83M95.11M93.06M109.86M160.74M190.27M186.35M202.45M210.67M355.15M324.27M284.82M309.64M299.44M
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-2.61B-838.00M127.29M-736.88M-1.02B
Financing Cash Flow 79.18M-15.12M283.33M222.49M311.83M298.19M74.82M323.63M-36.77M279.31M1.50B2.06B315.82M-206.20M654.06M1.03B

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 $595.45M
2 Vanguard Portfolio Management LLC 5.03% 7.20M $250.71M
3 State Street Corporation 4.55% 6.52M $227.00M
4 Vanguard Capital Management LLC 3.90% 5.58M $194.29M
5 Neuberger Berman Group, LLC 2.68% 3.85M $133.85M
6 Geode Capital Management, LLC 2.57% 3.68M $128.09M
7 Kayne Anderson Rudnick Investment Management LLC 2.27% 3.25M $113.08M
8 Dimensional Fund Advisors LP 1.93% 2.76M $96.11M
9 Fuller & Thaler Asset Management Inc. 1.53% 2.19M $76.30M
10 AQR Capital Management, LLC 1.51% 2.16M $75.36M

Analyst View

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Latest News

Recent headlines for FFIN

Google News hu, 09 Jul 2026

First Financial Wealth Management replaces First Financial Trust - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxOeTlEdkxVakhwMWRSdkhPX0o1WXN2Ymo0a3ZWcGhLbmQyTjhKTGl0aVlWRnJiWVY5TVRzTnVvbF9ZUUlOLXZEVk1VTDRBTTNlQWdjaGxUZW1KNUlraFdzQ0x1dndERER1WWUxY1pVdXpBMG96Nk0ybmFLeG5nY3FFcWg4OFlRSWZHT3M0LU…

Google News ue, 07 Jul 2026

3 Reasons to Avoid FFIN and 1 Stock to Buy Instead - Yahoo Finance

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Google News hu, 09 Jul 2026

Broad Russell Value Index Inclusion Might Change The Case For Investing In First Financial Bankshares (FFIN) - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi2gFBVV95cUxQWXlJM01VczJsaDRTRVdfZl9Ia1VzdWpmRHVKaURtdnVTVUdYbGFmRW1Na29ZeDNmYzZJdXAyYkdyelp2bi1fWU9xMGczcFR0Sk9NMWpfSWZVWEJEdlExdXdKN3k2YVhlVmFXYmxpUFVUclA0UURVa1lmY0xSNllSZGU0TFJ2SjhRajRjQj…

Google News Fri, 03 Jul 2026

FFIN News | FIRST FINL BANKSHARES INC (NASDAQ:FFIN) - ChartMill

<a href="https://news.google.com/rss/articles/CBMiW0FVX3lxTE95WXZFZWpDQnN2OVVCRm1ZVDJDSFhzSmFHMXZ3Z21RbHlsaHFubjlNUXhNeVFabGpNb2NVMVBTbmdsWHp0NVZzOVZhbTBFSTNQWkU5VVpaR0JLQkE?oc=5" target="_blank">FFIN News | FIRST FINL BANKSHARES INC (NASDA…

Google News Mon, 29 Jun 2026

Q4 Rundown: First Financial Bankshares (NASDAQ:FFIN) Vs Other Regional Banks Stocks - TradingView

<a href="https://news.google.com/rss/articles/CBMi2AFBVV95cUxPTlBnODVYUnYyQ1A5c0loM2ZBUzdRSnhlNW9WZGFya281M3dGWUpMbjlJNWEyanFhc0I2RnhVRVBDRnRGRFQ5aW95VVhqYmFpZEYxSjB3cXpJUmEyR2R3Smw3N3RkbXdzZnV1NnNRS3U3dWFoOGRrUHZMQzRMZTRxNk1CTTdYT0VZX0czbj…

Google News hu, 09 Jul 2026

First Financial Bankshares (FFIN) Projected to Announce Earnings on Thursday - MarketBeat

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FFIN — Frequently Asked Questions

What is the current share price of First Financial Bankshares, Inc. (FFIN)?

As of 2026-07-14 21:23 PDT, First Financial Bankshares, Inc. (FFIN) trades at $34.64 on NasdaqGS. Its 52-week range is $28.40 to $37.06.

What is the market capitalisation of FFIN?

First Financial Bankshares, Inc. (FFIN) has a market capitalisation of $4.96B on NasdaqGS.

What is the P/E ratio of FFIN?

FFIN trades at a trailing price-to-earnings (P/E) ratio of 18.83. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 2.46.

Does FFIN pay a dividend?

First Financial Bankshares, Inc. (FFIN) currently offers a dividend yield of 2.61%.

What is the return on equity (ROE) of FFIN?

FFIN has a return on equity (ROE) of 14.56%.

Is FFIN a good stock to buy?

This page provides a data-driven analysis of First Financial Bankshares, Inc. (FFIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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