(FFIN) First Financial Bankshares - Overview
Stock: Checking, Savings, Loans, Trust Services, Real Estate
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.18% |
| Yield on Cost 5y | 1.98% |
| Yield CAGR 5y | 6.64% |
| Payout Consistency | 97.7% |
| Payout Ratio | 42.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.7% |
| Relative Tail Risk | -15.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.32 |
| Alpha | -20.55 |
| Character TTM | |
|---|---|
| Beta | 0.791 |
| Beta Downside | 0.891 |
| Drawdowns 3y | |
|---|---|
| Max DD | 38.42% |
| CAGR/Max DD | 0.00 |
Description: FFIN First Financial Bankshares January 09, 2026
First Financial Bankshares, Inc. (NASDAQ:FFIN) is a Texas-based regional bank that delivers a full suite of commercial banking services-including deposits, loans, ATMs, and digital banking-as well as personal trust and wealth-management solutions such as estate administration and oil-and-gas asset oversight.
Its loan portfolio spans commercial & industrial, municipal, agricultural, construction, residential, and consumer auto financing, while its deposit base is anchored by traditional checking and savings accounts plus newer channels like remote deposit capture and mobile banking.
As of Q2 2024, the company reported a net interest margin of roughly 3.2% and a loan-to-deposit ratio of 73%, indicating moderate credit growth (≈5% YoY) amid a tightening monetary environment that has been a headwind for many regional banks.
Key sector drivers include the Federal Reserve’s policy rate trajectory, which influences both loan demand and net interest income, and regional economic trends in Texas-particularly oil-related activity that can boost both loan demand and trust-service revenues.
For a deeper, data-driven view of FFIN’s valuation and risk profile, the ValueRay platform offers a concise, analytical snapshot.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 253.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.04 > 1.0 |
| NWC/Revenue: -529.0% < 20% (prev -1505 %; Δ 975.7% < -1%) |
| CFO/TA 0.02 > 3% & CFO 302.0m > Net Income 253.6m |
| Net Debt (-1.06b) to EBITDA (319.9m): -3.30 < 3 |
| Current Ratio: 0.68 > 1.5 & < 3 |
| Outstanding Shares: last quarter (143.5m) vs 12m ago 0.20% < -2% |
| Gross Margin: 71.82% > 18% (prev 0.71%; Δ 7111 % > 0.5%) |
| Asset Turnover: 5.61% > 50% (prev 5.29%; Δ 0.32% > 0%) |
| Interest Coverage Ratio: 1.09 > 6 (EBITDA TTM 319.9m / Interest Expense TTM 201.6m) |
Altman Z'' -1.36
| A: -0.28 (Total Current Assets 9.16b - Total Current Liabilities 13.53b) / Total Assets 15.45b |
| B: 0.09 (Retained Earnings 1.44b / Total Assets 15.45b) |
| C: 0.01 (EBIT TTM 220.1m / Avg Total Assets 14.71b) |
| D: 0.09 (Book Value of Equity 1.22b / Total Liabilities 13.53b) |
| Altman-Z'' Score: -1.36 = CCC |
What is the price of FFIN shares?
Over the past week, the price has changed by +9.30%, over one month by +11.01%, over three months by +13.79% and over the past year by -7.65%.
Is FFIN a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FFIN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 36.5 | 4.9% |
| Analysts Target Price | 36.5 | 4.9% |
| ValueRay Target Price | 37.9 | 8.9% |
FFIN Fundamental Data Overview February 02, 2026
P/E Forward = 24.57
P/S = 7.557
P/B = 2.3561
P/EG = 2.69
Revenue TTM = 825.8m USD
EBIT TTM = 220.1m USD
EBITDA TTM = 319.9m USD
Long Term Debt = 21.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = 21.7m USD (from shortTermDebt, last quarter)
Debt = 21.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.06b USD (from netDebt column, last quarter)
Enterprise Value = 3.50b USD (4.56b + Debt 21.7m - CCE 1.08b)
Interest Coverage Ratio = 1.09 (Ebit TTM 220.1m / Interest Expense TTM 201.6m)
EV/FCF = 12.08x (Enterprise Value 3.50b / FCF TTM 289.8m)
FCF Yield = 8.28% (FCF TTM 289.8m / Enterprise Value 3.50b)
FCF Margin = 35.09% (FCF TTM 289.8m / Revenue TTM 825.8m)
Net Margin = 30.71% (Net Income TTM 253.6m / Revenue TTM 825.8m)
Gross Margin = 71.82% ((Revenue TTM 825.8m - Cost of Revenue TTM 232.7m) / Revenue TTM)
Gross Margin QoQ = 76.18% (prev 63.31%)
Tobins Q-Ratio = 0.23 (Enterprise Value 3.50b / Total Assets 15.45b)
Interest Expense / Debt = 237.6% (Interest Expense 51.5m / Debt 21.7m)
Taxrate = 18.13% (16.2m / 89.6m)
NOPAT = 180.2m (EBIT 220.1m * (1 - 18.13%))
Current Ratio = 0.68 (Total Current Assets 9.16b / Total Current Liabilities 13.53b)
Debt / Equity = 0.01 (Debt 21.7m / totalStockholderEquity, last quarter 1.92b)
Debt / EBITDA = -3.30 (Net Debt -1.06b / EBITDA 319.9m)
Debt / FCF = -3.65 (Net Debt -1.06b / FCF TTM 289.8m)
Total Stockholder Equity = 1.79b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.72% (Net Income 253.6m / Total Assets 15.45b)
RoE = 14.16% (Net Income TTM 253.6m / Total Stockholder Equity 1.79b)
RoCE = 12.14% (EBIT 220.1m / Capital Employed (Equity 1.79b + L.T.Debt 21.1m))
RoIC = 10.18% (NOPAT 180.2m / Invested Capital 1.77b)
WACC = 8.79% (E(4.56b)/V(4.58b) * Re(8.83%) + (debt cost/tax rate unavailable))
Discount Rate = 8.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.19%
[DCF Debug] Terminal Value 74.52% ; FCFF base≈281.1m ; Y1≈268.9m ; Y5≈260.6m
Fair Price DCF = 35.61 (EV 4.01b - Net Debt -1.06b = Equity 5.07b / Shares 142.3m; r=8.79% [WACC]; 5y FCF grow -5.72% → 2.90% )
EPS Correlation: 26.27 | EPS CAGR: 7.42% | SUE: 0.61 | # QB: 0
Revenue Correlation: 99.44 | Revenue CAGR: 14.84% | SUE: 3.56 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.47 | Chg30d=+0.007 | Revisions Net=+0 | Analysts=4
EPS current Year (2026-12-31): EPS=1.99 | Chg30d=+0.044 | Revisions Net=+1 | Growth EPS=+12.4% | Growth Revenue=+7.5%
EPS next Year (2027-12-31): EPS=2.11 | Chg30d=+0.037 | Revisions Net=+1 | Growth EPS=+6.2% | Growth Revenue=+6.6%