First Financial Bankshares (FFIN) AI Stock Analysis

• Market Cap: $4.46B
• Dividend Yield: 2.42%
• Average Volume (3M): 773.17K
• Price to Earnings (P/E): 16.9
• Beta (1Y): 0.81
• Revenue Growth: 12.90%
• EPS Growth: 16.92%
• Country: US
• Employees: 1,400
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.51
• Shares Outstanding: 143,228,600
• 10 Day Avg. Volume: 1,144,798
• 30 Day Avg. Volume: 773,175
• PEG Ratio: 1.20
• Price to Book (P/B): 2.23
• Price to Sales (P/S): 5.18
• P/FCF Ratio: 13.92
• Enterprise Value/Market Cap: 0.76
• Enterprise Value/Revenue: 4.13
• Enterprise Value/Gross Profit: 5.74
• Enterprise Value/Ebitda: 10.65
• 1Y Price Target: $35.00
• Price Target Upside: 12.32% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): 1.98
• Revenue Forecast (FY): $692.22M

• Rating: 73 Outperform
• Price Target: $33.00 ▲(5.91% Upside)
• Action: Reiterated Date: 02/26/26
• Date: Action: Reiterated 02/26/26

The score is driven primarily by strong financial performance—especially the significantly strengthened balance sheet and steady profitability—tempered by margin/ROE normalization and uneven cash-flow growth. Technical signals are neutral-to-soft, while valuation is reasonable with a moderate P/E and a solid dividend yield. The CEO succession plan adds a modest positive for continuity.

Positive Factors

Materially strengthened balance sheet

A dramatically lower leverage profile and rising equity provide durable capital buffers, reduce funding and solvency risk, and expand capacity to lend or absorb credit losses. This enables conservative growth, supports regulatory resilience and preserves strategic optionality over years.

Negative Factors

Sustained margin compression

Material compression of net margins versus earlier peaks suggests a lasting shift in earnings mix, pricing or cost structure. If sustained, lower margins reduce earnings power per unit of assets and constrain the company’s ability to grow ROE or reinvest without additional scale gains.

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...

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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, ...

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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

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	825.80M	739.21M	622.31M	551.27M	505.62M
Gross Profit	593.11M	523.22M	467.42M	502.40M	500.72M
EBITDA	319.94M	285.27M	255.88M	293.64M	285.03M
Net Income	253.59M	223.51M	198.98M	234.47M	227.56M
Balance Sheet
Total Assets	15.45B	13.98B	13.11B	12.97B	13.10B
Cash, Cash Equivalents and Short-Term Investments	1.08B	1.05B	5.27B	5.81B	7.10B
Total Debt	21.68M	197.02M	404.08M	642.51M	671.15M
Total Liabilities	13.53B	12.37B	11.61B	11.71B	11.34B
Stockholders Equity	1.92B	1.61B	1.50B	1.27B	1.76B
Cash Flow
Free Cash Flow	307.14M	292.92M	267.57M	308.49M	335.95M
Operating Cash Flow	320.58M	309.64M	284.82M	324.27M	355.15M
Investing Cash Flow	-1.04B	-736.88M	127.29M	-838.00M	-2.61B
Financing Cash Flow	1.03B	654.06M	-206.20M	315.82M	2.06B

First Financial Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 31.16
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 31.16 is above the 20-day moving average (MA) of 29.75, above the 50-day MA of 31.13, and below the 200-day MA of 32.63, indicating a neutral trend. The MACD of 0.10 indicates Negative momentum. The RSI at 58.94 is Neutral, neither overbought nor oversold. The STOCH value of 85.40 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FFIN.

First Financial Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FFIN	73 Outperform	$4.46B	16.86	14.16%	2.42%	12.90%	16.92%
ABCB	71 Outperform	$5.62B	12.33	10.41%	1.02%	2.20%	20.88%
HWC	70 Outperform	$5.49B	10.54	11.06%	2.74%	-0.78%	25.39%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AX	66 Neutral	$5.24B	9.54	16.59%	―	1.66%	-9.31%
AUB	63 Neutral	$5.42B	18.28	6.10%	3.83%	43.53%	-21.74%
UBSI	61 Neutral	$6.11B	11.61	8.60%	3.77%	8.83%	15.49%

First Financial Bankshares Corporate Events