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
$4.62B
Enterprise Value$4.39B
Total Cash (Recent Filing)$1.08B
Total Debt (Recent Filing)$21.68M
Price to Earnings (P/E)14.7
Beta0.83
Next Earnings
Jul 16, 2026EPS Estimate
0.5Next Dividend Ex-DateN/A
Dividend Yield2.42%
Share Statistics
EPS (TTM)0.50
Shares Outstanding143,228,600
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 Cap0.95
Enterprise Value/Revenue5.31
Enterprise Value/Gross Profit7.39
Enterprise Value/Ebitda13.71
Forecast
1Y Price Target
$34.33Price Target Upside10.90% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)1.98
Revenue Forecast (FY)$690.12M
Bulls Say, Bears Say
Bulls Say
Materially Improved LeverageA near-elimination of leverage materially strengthens the bank's solvency and lowers funding risk, increasing capacity to absorb loan losses, support credit growth, and return capital. This structural balance-sheet conservatism enhances resilience across economic cycles for 2–6+ months.
Consistent Revenue And ProfitabilitySteady top-line growth with sustained high net and EBIT margins indicates durable core banking economics. Consistent revenue expansion and strong margins support cash generation and internal capital formation, underpinning lending capacity and dividend policy over the medium term.
Shareholder-Friendly Capital PolicyA meaningful dividend raise plus routine governance actions signal disciplined capital allocation and management confidence in earnings and capital ratios. For investors, this demonstrates sustainable payout capacity tied to stable earnings and strong CET1 capital.
Bears Say
Margin Compression Vs. Prior YearsA multi-year decline in net margin reflects structural pressure on the earnings mix or higher costs of funds; if persistent, it will constrain incremental profit generation and require higher loan volumes or efficiency gains to sustain returns over coming quarters.
Declining Return On EquityFalling ROE signals reduced efficiency converting equity into profits, potentially from higher capital levels or slower earnings growth. Sustained lower ROE can limit excess capital available for buybacks and may pressure long-term investor returns absent productivity improvements.
Uneven Cash Flow GenerationRecovery in cash generation is positive, but prior negative free cash flow and modest operating cash relative to balance-sheet size indicate variability. Continued uneven cash flow can constrain discretionary investment and make capital returns more sensitive to credit cycles.
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 $4.62B.
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 74 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 143,228,600 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
Outperform
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$34.33 (10.90% Upside)
$34.33 (10.90% 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 $807.5K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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
$34.33
▲(10.90% Upside)
Technical Analysis
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Ownership Overview
3.47% Insiders
20.59% Mutual Funds
0.88% Other Institutional Investors
48.90% Public Companies and
Individual Investors