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FFIN

HoldFallen Favourite

First Financial Bankshares, Inc. · Financial Services · United States · $4.8B · Avg Vol: $20M/d

42
StockRank
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Q
67
V
26
M
42
P/E (TTM)
17.9x
ROE
14.4%
D/E
0.0x
Dividend %
2.4%
Dir. Trades · 180d
+$161.6K · −$524.3K →
Buybacks · 180d
None →

COMPANY DESCRIPTION

First Financial Bankshares, Inc. operates as a multi-bank holding company providing comprehensive commercial banking services across numerous communities in Texas. Its competitive advantage stems from deep community ties, local market expertise, and a diversified lending portfolio within the economically vibrant Texas region. This regional focus allows for strong deposit gathering, client relationships, and consistent profitability in its target markets.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue519.8M478.0M537.0M617.1M5.9%637.2M675.9M714.7M7.6%
EPS1.641.391.561.772.6%1.872.052.1510.2%
Shares141.7M141.8M142.0M142.3M+0.4%143.3M———
Debt21.1M21.1M121.1M21.1M0.0%75.6M———
Equity1.3B1.5B1.6B1.9B14.8%————
Op CF324.3M284.8M309.6M299.4M-2.6%346.7M———
Inv CF-838.0M127.3M-736.9M-1.0B—————
Fin CF315.8M-206.2M654.1M1.0B—————
Loading 1Y...
PRICE (1Y)-7.2%
32.6033.3334.0634.8035.53Jul 29Aug 19Sep 9
SMA 50SMA 200

Close
$32.69
RSI (14)
32.0
52W High
$36.52
From 52W High
0.9%

SCORE BREAKDOWN

Quality
67
ROIC (ROA)
1.8%*54.4
ROE
14.4%72.2
GP/Assets
4.1%N/A
Op. Margin
56.0%75.4
FCF/Assets
2.0%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
0.01xN/A
Current Ratio
bankN/A
Value
26
P/E (TTM)
17.9x29.9
EV/EBITDA
bankN/A
P/FCF
15.5xN/A
P/B
2.4x20.4
P/S
7.5x22.0
Div Yield
2.4%31.5
Momentum
42
52W High %
90%44.8
RS 6M
-4%45.5
SMA 50/200
1.07x63.5
EPS Rev 4W
-0.5%15.5
EPS Rev 12W
+0.6%46.2
EPS Improve
+15%42.4
Q Growth
8%37.3

FUNDAMENTALS

Market Cap
$4.8B
P/E (Forward)
15.6x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FFIN are excluded.

TickerCompanyMkt CapStockRankSignal
FFINFirst Financial Bankshares, Inc.(you)$4.8B42Hold
TCBITexas Capital Bancshares, Inc.$4.3B42Hold
EBCEastern Bankshares, Inc.$5.1B47Hold
TFSLTFS Financial Corporation$4.9B36Hold
GBCIGlacier Bancorp, Inc.$6.1B39Hold
BANFBancFirst Corporation$3.7B39Hold
VLYPOValley National Bancorp$3.3B44Hold
ABCBAmeris Bancorp$5.7B36Hold
SBCFSeacoast Banking Corporation of Florida$3.3B39Hold
BKUBankUnited, Inc.$3.3B46Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

First Financial Bankshares, Inc. (FFIN): Stock Score Summary

First Financial Bankshares, Inc. (FFIN) has a MoatMap StockRank of 42/100 based on Quality (67/100), Value (26/100), and Momentum (42/100) factor scores. The current signal is HOLD.

First Financial Bankshares, Inc. operates as a multi-bank holding company providing comprehensive commercial banking services across numerous communities in Texas. Its competitive advantage stems from deep community ties, local market expertise, and a diversified lending portfolio within the economically vibrant Texas region. This regional focus allows for strong deposit gathering, client relationships, and consistent profitability in its target markets.

Key Financial Metrics

Price$32.69
Market Cap$4.8B
P/E (TTM)17.88
P/E (Forward)15.55
Price/Book2.38
Return on Equity14.4%
Debt/Equity0.01x
Operating Margin56.0%
Revenue Growth9.8%
Dividend Yield2.4%
Free Cash Flow$309M

First Financial Bankshares, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is First Financial Bankshares, Inc.’s (FFIN) StockRank?
MoatMap’s StockRank for First Financial Bankshares, Inc. (FFIN) is 42/100, with a Hold signal. It is a composite of Quality (67), Value (26), and Momentum (42) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does First Financial Bankshares, Inc. have an economic moat?
First Financial Bankshares, Inc. (FFIN) has a Quality factor score of 67/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is First Financial Bankshares, Inc. a buy, hold, or sell?
MoatMap’s current signal for First Financial Bankshares, Inc. (FFIN) is Hold, based on a StockRank of 42/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is First Financial Bankshares, Inc. in?
First Financial Bankshares, Inc. (FFIN) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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