First Financial Bankshares, Inc. (FFIN)
NEUTRALFundamental
52
Price
$33.57
Market Cap
$4.90B
Part 1 · What the company is worth
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.
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Direct competitors
Who this company fights with for the same customers
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Balance Sheet & Liquidity
Revenue
$666M
Trailing 12 months (through 6/30/2026)
Net Income
$269M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$286M
Total Equity
$1.92B
Total Liabilities
$13.53B
Current Ratio
-
Interest Coverage
0.62
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$28.24
Current Price
$33.57
Margin of Safety
-18.9%
Fair Value Range
$20.83 - $35.65
Estimation Methods
Valuation Metrics
P/E Ratio
18.16
ROE
13.2%
P/B Ratio
2.44
P/FCF
14.96
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
9.2%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (12)
- P/FCF 14.96
- P/B Ratio 2.44
- Operating Margin 49.3%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- ROE 14.3%
- Revenue Growth 5Y 12.0%
- Analyst Consensus 55% Buy
- Earnings Quality (OCF/NI) 1.29
- Share Dilution -0.0%
- Piotroski F-Score 7/9
Failed (11)
- EPS shows upward trend
- EPS CAGR -2.12%
- Price CAGR 4.21%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Overvalued)
- Earnings Surprise avg -4.7%
- PEG Ratio 4.05
- Net Margin Trend 40.4% vs 41.5%
Unavailable (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Strong financial health
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. F. Scott Dueser | Executive Chairman | 72 |
| Mr. David W. Bailey | CEO & President | 41 |
| Ms. Michelle S. Hickox CPA | Executive VP, CFO, Secretary & Treasurer | 57 |
| Mr. Ronald D. Butler II | Executive VP & Chief Administrative Officer | 64 |
| Mr. Timothy Luke Longhofer | Executive VP & Chief Credit Officer | 42 |
| Mr. J. Kyle McVey CPA | Executive VP, Chief Accounting Officer & Investor Relations Director | 38 |
| Mr. Timothy Brown | Executive VP & Chief Information Officer | 59 |
| Mr. Mike Parker | Executive VP & Chief Compliance Officer | - |
| Mr. Brian D. Goodrich | Executive VP & General Counsel | 52 |
| Mr. Josh Brown CPL | Senior Vice President of Human Resources | - |
Audit Risk
4
Board Risk
4
Compensation Risk
2
Shareholder Rights Risk
3
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for FFIN, sourced from Markets Gazette.