First Financial Bankshares (FFIN)
NASDAQ:FFIN
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FFIN Stock Chart & Stats
$30.96
$0.03(0.08%)
At close: 4:00 PM EST
$30.96
$0.03(0.08%)
Day’s Range― - ―
52-Week Range$28.12 - $38.74
Previous CloseN/A
Volume61.07K
Average Volume (3M)773.17K
Market Cap
$4.82B
Enterprise Value$4.05B
Total Cash (Recent Filing)$920.95M
Total Debt (Recent Filing)$90.25M
Price to Earnings (P/E)18.3
Beta0.82
Next Earnings
Jul 16, 2026EPS Estimate
0.5Next Dividend Ex-DateN/A
Dividend Yield2.42%
Share Statistics
EPS (TTM)1.85
Shares Outstanding143,281,940
10 Day Avg. Volume1,144,798
30 Day Avg. Volume773,175
Financial Highlights & Ratios
PEG Ratio1.20
Price to Book (P/B)2.23
Price to Sales (P/S)5.18
P/FCF Ratio13.92
Enterprise Value/Market Cap0.84
Enterprise Value/Revenue4.78
Enterprise Value/Gross Profit6.58
Enterprise Value/Ebitda12.17
Forecast
1Y Price Target
$33.50Price Target Upside8.20% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)1.98
Revenue Forecast (FY)$692.46M
Bulls Say, Bears Say
Bulls Say
Cash GenerationConsistent, near‑complete free cash flow coverage of net income shows durable internal funding. Reliable operating and free cash flow support ordinary dividends, organic loan growth, and capital cushions through credit cycles, enhancing long‑term financial resilience.
Conservative Balance SheetVery low debt‑to‑equity indicates strong capitalization and low funding leverage, reducing default and liquidity risk. A robust equity base relative to assets provides long‑term capacity to absorb losses and pursue measured growth without stressing funding or regulatory ratios.
Sustained ProfitabilityHigh net and operating margins reflect efficient operations and healthy spread/fee economics, enabling durable internal capital generation. Strong margins provide flexibility for reinvestment, credit loss absorption, and maintaining shareholder returns over a multi‑quarter horizon.
Bears Say
Margin Compression RiskEvidence of margin erosion versus recent peaks suggests less favorable loan/deposit spreads or higher funding costs. If structural spread compression persists, it will reduce core earnings power, constrain dividend growth, and force tougher tradeoffs between loan growth and margin preservation.
Leverage VariabilityHistorical swings in leverage indicate management adjusts capital structure materially with market conditions. That variability raises uncertainty about consistent capital policy, potential dilution or reduced buybacks in stress, and the bank’s tilt between growth and capital preservation.
Volatile Free Cash Flow GrowthIntermittent negative FCF growth undermines predictability of dividends and reinvestment capacity. For a bank, uneven cash conversion across years can limit strategic flexibility, making sustained capital returns or acquisitions harder to fund without drawing on capital buffers.
First Financial Bankshares News
FFIN FAQ
What was First Financial Bankshares’s price range in the past 12 months?
First Financial Bankshares lowest stock price was $28.11 and its highest was $38.74 in the past 12 months.
What is First Financial Bankshares’s market cap?
First Financial Bankshares’s market cap is $4.82B.
When is First Financial Bankshares’s upcoming earnings report date?
First Financial Bankshares’s upcoming earnings report date is Jul 16, 2026 which is in 30 days.
How were First Financial Bankshares’s earnings last quarter?
First Financial Bankshares released its earnings results on Apr 16, 2026. The company reported $0.5 earnings per share for the quarter, beating the consensus estimate of $0.472 by $0.028.
Is First Financial Bankshares overvalued?
According to Wall Street analysts First Financial Bankshares’s price is currently Undervalued.
Does First Financial Bankshares pay dividends?
First Financial Bankshares pays a Quarterly dividend of $0.22 which represents an annual dividend yield of 2.42%. See more information on First Financial Bankshares dividends here
What is First Financial Bankshares’s EPS estimate?
First Financial Bankshares’s EPS estimate is 0.5.
How many shares outstanding does First Financial Bankshares have?
First Financial Bankshares has 143,281,940 shares outstanding.
What happened to First Financial Bankshares’s price movement after its last earnings report?
First Financial Bankshares reported an EPS of $0.5 in its last earnings report, beating expectations of $0.472. Following the earnings report the stock price went up 4.877%.
Which hedge fund is a major shareholder of First Financial Bankshares?
Currently, no hedge funds are holding shares in FFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Financial Bankshares Stock Smart Score
Neutral
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10
Analyst Consensus
Hold
Average Price Target:
$33.50 (8.20% Upside)
$33.50 (8.20% Upside)
Blogger Sentiment
Neutral
FFIN Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 81.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $83.7K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-12.65%
12-Months-Change
Fundamentals
Return on Equity
14.20%
Trailing 12-Months
Asset Growth
7.51%
Trailing 12-Months
Company Description
First Financial Bankshares
First Financial Bankshares, Inc. (FFIN) is a financial institution that delivers a broad array of commercial banking and financial services throughout Texas via its network of subsidiaries. Its core offerings include various deposit solutions, such as checking, savings, money market, and time deposit accounts. The company provides diverse lending options, extending credit for commercial and industrial ventures, municipal projects, agriculture, construction and development, and farm operations. It also finances both owner-occupied and non-owner-occupied commercial real estate, residential properties, and consumer needs, including vehicle and other personal loans. These services primarily cater to businesses, professional clients, and agricultural enterprises. The institution also equips its customers with contemporary banking conveniences like internet and mobile banking, remote deposit capture, payroll cards, and funds transfer capabilities. Traditional amenities such as drive-in and night deposit services, automated teller machines (ATMs), and secure safe deposit facilities are also part of its comprehensive service suite. Beyond conventional banking, First Financial Bankshares offers robust personal trust services. These encompass wealth management, estate administration, and the management of various trust structures, including testamentary, revocable, irrevocable, and agency accounts. Additionally, the company provides securities brokerage and manages a range of retirement and employee benefit plans, such as 401(k) profit-sharing plans and Individual Retirement Accounts (IRAs). Its service portfolio is further enhanced by asset management and technology services. As of December 31, 2021, FFIN operated 78 financial centers strategically located across Texas. The company, established in 1890, maintains its corporate headquarters in Abilene, Texas.
FFIN Stock 12 Month Forecast
Average Price Target
$33.50
▲(8.20% Upside)
Technical Analysis
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Ownership Overview
3.47% Insiders
21.13% Mutual Funds
8.57% Other Institutional Investors
40.61% Public Companies and
Individual Investors