First Financial Bankshares (FFIN)
NASDAQ:FFIN
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First Financial Bankshares
(NASDAQ:FFIN)
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Rating:81Outperform
Price Target:
$37.00
▲(19.51% Upside)
Action:Reiterated
Date:05/09/26
The score is driven primarily by strong financial performance (profitability, conservative leverage, and solid cash generation). Technical indicators are constructive but not strongly bullish, while valuation looks reasonable with a supportive dividend yield. A notable corporate event (meaningful dividend increase) modestly improves the outlook.
Positive Factors
Cash Generation
Consistent, 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.
Negative Factors
Margin Compression Risk
Evidence 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash Generation
Consistent, 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.
Read all positive factors
First Financial Bankshares (FFIN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$4.62B
Dividend Yield2.42%
Average Volume (3M)773.17K
Price to Earnings (P/E)14.7
Beta (1Y)0.82
Revenue Growth10.27%
EPS Growth13.77%
CountryUS
Employees1,400
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
First Financial Bankshares Business Overview & Revenue Model
Company Description
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, agric...
How the Company Makes Money
FFIN makes money primarily through traditional banking activities conducted by its bank subsidiary. The largest revenue driver is typically net interest income: the bank earns interest and fees on loans (e.g., commercial loans, real estate loans, ...
First Financial Bankshares Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
88
Very Positive
Cash Flow
84
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 847.17M | 825.80M | 739.21M | 622.31M | 551.27M | 505.62M |
| Gross Profit | 615.88M | 593.11M | 523.22M | 467.42M | 502.40M | 500.72M |
| EBITDA | 329.11M | 319.94M | 285.27M | 255.88M | 293.64M | 285.03M |
| Net Income | 263.78M | 253.59M | 223.51M | 198.98M | 234.47M | 227.56M |
Balance Sheet | ||||||
| Total Assets | 15.39B | 15.45B | 13.98B | 13.11B | 12.97B | 13.10B |
| Cash, Cash Equivalents and Short-Term Investments | 920.95M | 1.08B | 1.05B | 5.27B | 5.81B | 7.10B |
| Total Debt | 90.25M | 21.68M | 197.02M | 404.08M | 642.51M | 671.15M |
| Total Liabilities | 13.44B | 13.53B | 12.37B | 11.61B | 11.71B | 11.34B |
| Stockholders Equity | 1.94B | 1.92B | 1.61B | 1.50B | 1.27B | 1.76B |
Cash Flow | ||||||
| Free Cash Flow | 305.73M | 307.14M | 292.92M | 267.57M | 308.49M | 335.95M |
| Operating Cash Flow | 321.20M | 320.58M | 309.64M | 284.82M | 324.27M | 355.15M |
| Investing Cash Flow | -1.19B | -1.04B | -736.88M | 127.29M | -838.00M | -2.61B |
| Financing Cash Flow | 680.70M | 1.03B | 654.06M | -206.20M | 315.82M | 2.06B |
First Financial Bankshares Technical Analysis
Positive
30.96
Price Trends
31.07
Positive
31.46
Positive
32.07
Positive
Market Momentum
0.13
Positive
55.46
Neutral
76.47
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FFIN, the sentiment is Positive. The current price of 30.96 is below the 20-day moving average (MA) of 32.00, below the 50-day MA of 31.07, and below the 200-day MA of 32.07, indicating a bullish trend. The MACD of 0.13 indicates Positive momentum. The RSI at 55.46 is Neutral, neither overbought nor oversold. The STOCH value of 76.47 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FFIN.
First Financial Bankshares Risk Analysis
First Financial Bankshares disclosed 52 risk factors in its most recent earnings report. First Financial Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
First Financial Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $4.62B | 14.74 | 14.20% | 2.42% | 10.27% | 13.77% | |
73 Outperform | $5.70B | 11.96 | 10.81% | 1.02% | 0.32% | 17.91% | |
71 Outperform | $5.38B | 10.37 | 6.99% | 3.83% | 60.27% | 7.08% | |
69 Neutral | $4.90B | 9.65 | 16.60% | ― | 8.53% | 12.29% | |
69 Neutral | $5.96B | 11.64 | 9.26% | 3.77% | 10.93% | 32.14% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $5.48B | 27.58 | 9.35% | 2.74% | -5.31% | -9.60% |
* Financial Sector Average
FFIN
First Financial Bankshares
32.24
-1.19
-3.55%
ABCB
Ameris Bancorp
84.69
24.14
39.88%
AX
Axos Financial
86.07
16.49
23.70%
HWC
Hancock Whitney
67.50
14.86
28.23%
AUB
Atlantic Union Bankshares
37.56
9.92
35.88%
UBSI
United Bankshares
43.26
8.64
24.96%
First Financial Bankshares Corporate Events
Shareholder Meetings
First Financial Bankshares Holds 2026 Annual Shareholder Meeting
Neutral
Apr 30, 2026
On April 28, 2026, First Financial Bankshares, Inc. held its Annual Shareholder Meeting in Abilene, Texas, bringing together shareholders and invited guests. During the meeting, Executive Chairman F. Scott Dueser and President and Chief Executive ...
Business Operations and StrategyExecutive/Board ChangesDividendsShareholder Meetings
First Financial Bankshares Boosts Dividend After Shareholder Meeting
Positive
Apr 29, 2026
At its annual shareholders’ meeting in Abilene, Texas, on April 28, 2026, First Financial Bankshares, Inc. elected thirteen directors to serve until the 2027 meeting, including executives and professionals from finance, industry, academia, a...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.