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
$4.61B
Enterprise Value$3.99B
Total Cash (Recent Filing)$920.95M
Total Debt (Recent Filing)$90.25M
Price to Earnings (P/E)14.7
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 Cap0.86
Enterprise Value/Revenue4.71
Enterprise Value/Gross Profit6.47
Enterprise Value/Ebitda12.11
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 $4.61B.
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 54 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 $0.19 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 148.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $791.1K 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., through its subsidiaries, provides commercial banking products and services in Texas. The company accepts checking, savings and money market accounts, and time deposits; commercial and industrial, municipal, agricultural, construction and development, farm, non-owner occupied and owner-occupied commercial real estate, residential, and consumer auto and non-auto loans to businesses, professional individuals, and farm and ranch operations. It also provides drive-in and night deposit, remote deposit capture, internet and mobile banking, payroll cards, transmitting funds, and other customary commercial banking services, as well as automated teller machines and safe deposit facilities. In addition, the company offers personal trust services, including wealth management, administration of estates, testamentary trusts, revocable and irrevocable trusts, and agency accounts; and securities brokerage services, as well as administer retirements and employee benefits accounts, such as 401(k) profit-sharing plans and IRAs. Further, the company provides asset management and technology services. As of December 31, 2021, it had 78 financial centers across Texas. First Financial Bankshares, Inc. was founded in 1890 and is headquartered 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
20.94% Mutual Funds
8.56% Other Institutional Investors
40.94% Public Companies and
Individual Investors