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FFIN

HOLD

First Financial Bankshares, Inc. · Financial Services · United States · $5.0B · Avg Vol: $36M/d

53
StockRank
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Q
67
V
24
M
56
P/E (TTM)
19.2x
ROE
14.4%
D/E
0.0x
Dividend %
2.2%
Dir. Trades · 180d
+$160K →
Buybacks · 180d
$5.5M →

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%637.2M675.1M715.8M7.7%
EPS1.641.391.561.772.6%1.822.052.1610.5%
Shares141.7M141.8M142.0M142.3M+0.4%143.3M———
Debt21.1M21.1M121.1M21.1M0.0%75.5M———
Equity1.3B1.5B1.6B1.9B14.8%————
Op CF324.3M284.8M309.6M299.4M-2.6%299.4M———
Inv CF-838.0M127.3M-736.9M-1.0B—————
Fin CF315.8M-206.2M654.1M1.0B—————
Loading 1Y...
PRICE (1Y)+2.3%
32.5733.5534.5335.5236.50Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$34.44
RSI (14)
48.1
52W High
$37.20
From 52W High
0.9%

SCORE BREAKDOWN

Quality
67
ROIC (ROA)
1.8%*53.8
ROE
14.4%72.9
GP/Assets
4.1%N/A
Op. Margin
56.0%77.2
FCF/Assets
2.0%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.01xN/A
Current Ratio
bankN/A
Value
24
P/E (TTM)
19.2x26.7
EV/EBITDA
bankN/A
P/FCF
16.1xN/A
P/B
2.5x17.8
P/S
7.8x23.0
Div Yield
2.2%26.3
Momentum
56
52W High %
93%48.5
RS 6M
-1%54.0
SMA 50/200
1.06x61.5
EPS Rev 4W
+1.1%88.9
EPS Rev 12W
+1.1%68.6
EPS Improve
+19%45.1
Q Growth
8%41.7

FUNDAMENTALS

Market Cap
$5.0B
P/E (Forward)
16.1x
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)$5.0B53HOLD
TCBITexas Capital Bancshares, Inc.$4.3B53HOLD
EBCEastern Bankshares, Inc.$5.2B58HOLD
ABCBAmeris Bancorp$5.9B51HOLD
MCHBMechanics Bancorp$3.5B53HOLD
TFSLTFS Financial Corporation$5.1B46HOLD
UCBUnited Community Banks, Inc.$4.2B59HOLD
BKUBankUnited, Inc.$3.4B52HOLD
VLYPPValley National Bancorp$3.1B52HOLD
BOHBank of Hawaii Corporation$3.3B55HOLD

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

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

First Financial Bankshares, Inc. (FFIN) has a MoatMap StockRank of 53/100 based on Quality (67/100), Value (24/100), and Momentum (56/100) 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$34.44
Market Cap$5.0B
P/E (TTM)19.16
P/E (Forward)16.15
Price/Book2.50
Return on Equity14.4%
Debt/Equity0.01x
Operating Margin56.0%
Revenue Growth9.8%
Dividend Yield2.2%
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 53/100, with a Hold signal. It is a composite of Quality (67), Value (24), and Momentum (56) factor ranks across MoatMap’s 20,000+ stock universe.
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 53/100. 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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