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Company Analysis

First Financial Bankshares, Inc FFIN

A comprehensive view of key metrics, scores, and financial health for First Financial Bankshares, Inc

Overview of First Financial Bankshares, Inc.

FFIN NMS
Financial Services Banks - Regional Mid Cap
First Financial Bankshares, Inc. (FFIN), is a Mid Cap company, in the Banks - Regional industry, last closed at $29.56, about 55.3% overvalued vs fair value, -17.3% 1Y return, placing in the top 25% of its sector.
$29.56
-0.17%
As of March 13, 2026
Previous close • Vol 90d: 27.5%
Market Cap
$4.23B
Enterprise Value
$3.18B
Overall Score
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Top Beats

Quick Facts

Website https://www.ffin.com
HQ Abilene, TX
Employees 1,500
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$7
$13
$25
Current: $29.56 -55% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$631.9M
19.2%%
Interest Expense
$201.6M
Net Interest Income
$429.8M
11.4%%
Total Revenue
$825.8M
53.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.9%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$106.0M
47.4% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Financial Bankshares, Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
79
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
89
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FFIN's balance between Growth (23.6%), Profitability (38.2%), and Safety (38.1%). Growth 24% Safety 38% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

55th percentile vs peers
56
Key Signals
Asset Growth YoY 10.5% 79p Rev Growth YoY 53.8% 46p Revenue CAGR 3Y 16.7% 43p
Strengths
  • Roe in top 20% of peers (14.4%, 89th percentile)
  • Roa in top 20% of peers (1.7%, 90th percentile)
  • Operating Margin in top 20% of peers (37.5%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

90th percentile vs peers
90
Key Signals
Strengths
Risks
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Safety

90th percentile vs peers
90
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Financial Bankshares, Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$13.20
- - -
-55.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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