First Financial Bankshares Inc (FFIN)

Price$32.48

Value ScoreF

Growth ScoreC

Momentum ScoreD

Favorite Metrics

Price vs S&P 500 (26W)-3.96%

Price vs S&P 500 (4W)0.69%

VGM Score31.45

Market Capitalization$4.65B

P/E Ratio (Annual)18.35x

Indicated Dividend Yield (Annual)2.72%

All Metrics

P/CF (Annual)15.54x

Book Value / Share (Quarterly)$13.57

P/TBV (Annual)2.67x

Indicated Dividend (Annual)$0.88

Revenue Growth (3Y)10.69%

Cash Flow / Share (Quarterly)$2.16

Payout Ratio (TTM)39.72%

Price vs S&P 500 (YTD)0.58%

Net Profit Margin (TTM)41.92%

EPS (TTM)$1.89

10-Day Avg Trading Volume0.86M

EPS Excl Extra (TTM)$1.89

Revenue Growth (5Y)11.97%

EPS (Annual)$1.77

Dividend / Share (Annual)$0.74

ROI (Annual)12.67%

Net Profit Margin (5Y Avg)42.42%

Cash / Share (Quarterly)$1.47

P/E Basic Excl Extra (TTM)17.20x

Revenue Growth QoQ (YoY)20.07%

EPS Growth (5Y)4.51%

P/E Normalized (Annual)18.35x

ROA (Last FY)1.64%

Revenue Growth TTM (YoY)24.35%

EBITD / Share (TTM)$2.02

ROE (5Y Avg)14.37%

Operating Margin (TTM)51.10%

Cash Flow / Share (Annual)$2.00

P/B Ratio2.39x

P/B Ratio (Quarterly)2.17x

Net Income / Employee (Annual)$169,100

ROA (TTM)1.80%

EPS Growth QoQ (YoY)27.46%

EV / EBITDA (TTM)13.74x

EPS Incl Extra (Annual)$1.77

3-Month Avg Trading Volume0.80M

52-Week Price Return-8.71%

EV / Free Cash Flow (Annual)16.59x

P/E Incl Extra (TTM)17.20x

Tangible BV / Share (Quarterly)$13.57

P/S Ratio (Annual)7.08x

52-Week High$38.74

Operating Margin (5Y Avg)50.77%

EPS Excl Extra (Annual)$1.77

CapEx CAGR (5Y)-4.02%

Tangible BV CAGR (5Y)3.34%

26-Week Price Return3.97%

13-Week Price Return7.19%

Total Debt / Equity (Annual)0.04x

Enterprise Value$4.74B

Revenue / Share Growth (5Y)8.54%

Book Value / Share Growth (5Y)2.37%

Revenue / Employee (Annual)$380,770,700,000

Pretax Margin (Annual)52.69%

Cash / Share (Annual)$2.07

3-Month Return Std Dev22.09%

Net Income / Employee (TTM)$180,400

EBITDA CAGR (5Y)13.14%

EBITDA Interim CAGR (5Y)9.31%

ROE (Last FY)13.23%

EPS Basic Excl Extra (Annual)$1.77

P/FCF (TTM)15.07x

EV / Free Cash Flow (TTM)15.36x

Total Debt / Equity (Quarterly)0.05x

EPS Incl Extra (TTM)$1.89

ROI (TTM)13.97%

Dividend Growth Rate (5Y)7.78%

P/S Ratio (TTM)7.48x

Pretax Margin (5Y Avg)50.77%

Revenue / Share (Annual)$3.72

Tangible BV / Share (Annual)$11.20

Forward P/E15.86x

Free OCF CAGR (5Y)8.05%

Price vs S&P 500 (52W)-33.08%

P/E Ratio (TTM)17.20x

EPS Growth TTM (YoY)16.71%

Year-to-Date Return8.74%

5-Day Price Return0.96%

EPS Normalized (Annual)$1.77

ROA (5Y Avg)1.66%

Net Profit Margin (Annual)43.99%

Month-to-Date Return-0.61%

Cash Flow / Share (TTM)$1.57

EBITD / Share (Annual)$2.25

EPS Growth (3Y)2.58%

Operating Margin (Annual)52.69%

LT Debt / Equity (Annual)0.03x

P/CF (TTM)14.35x

ROI (5Y Avg)11.43%

P/E Excl Extra (TTM)17.20x

LT Debt / Equity (Quarterly)0.00x

EPS Basic Excl Extra (TTM)$1.89

P/TBV (Quarterly)2.17x

Payout Ratio (Annual)41.80%

P/B Ratio (Annual)2.23x

Dividend / Share (TTM)$0.75

Pretax Margin (TTM)51.10%

Book Value / Share (Annual)$13.39

Price vs S&P 500 (13W)-1.06%

Net Margin Growth (5Y)5.04%

Dividend Yield (TTM)2.31%

Beta0.84x

P/FCF (Annual)16.27x

Revenue / Share (TTM)$3.53

ROE (TTM)14.57%

52-Week Low$28.12

vGradeF

gGradeC

mGradeD

vgmGradeD

Show chart for

Earnings Surprise History

Q1 260.50est. 0.48

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

3.80

3.73

2.44

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
FFINFirst Financial Bankshares Inc	F	C	D	$32.48
BNSBank of Nova Scotia	C	C	B	$80.56
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.54
DBDeutsche Bank Aktiengesellschaft	B	B	F	$31.51
FITBFifth Third Bancorp	D	C	B	$52.01
FITBIFifth Third Bancorp Depositary Shares	D	C	B	$25.73
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	D	C	B	$26.02
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	B	$18.36
STTState Street Corporation	C	C	A	$161.75
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	F	$3.36

About

First Financial Bankshares Inc is a Texas-based bank holding company providing full-service community banking throughout its single geographic market. The company offers a diversified loan portfolio spanning commercial and industrial, real estate (commercial, residential, and construction), agricultural, municipal, and consumer lending. Its comprehensive banking services serve both commercial and individual customers within its core Texas market.