FFIN - First Financial Bankshares, Inc.

FFIN

$32.31 +0.05 (+0.15%) Last updated: Apr 22, 2026 15:25

52-Week Range

$32.31

$28.12 $32.31 $38.74

Fundamentals Overview

First Financial Bankshares, Inc. is in the middle of its 52-week range with moderate valuation, trading relatively flat today.

Valuation moderate

P/E 17.6 PEG 1.26 P/B 2.38 P/S 5.46

Intrinsic value (DCF)

-72.8% downside vs price

Profitability

Net margin 31.1%

Risk (Beta)

0.83 — in line vol

Earnings & growth

EPS $1.84 Rev -0.5% Profit -2.4% vs prior qtr

BullzEye Analysis

Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.

Composite Signal

Sell

Buy

Hold — 58% confidence Risk: Moderate Volatility — Beta 0.83. Diversify and only invest what you can afford to lose.

Supporting (Buy):

Analyst grade: A-

Pressures (Sell):

DCF 72.8% downside vs price

Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.

Key Stats

Market Cap

$4.63B

P/E (TTM)

17.59

EPS (TTM)

$1.84

Dividend Yield

1.18%

52-Week Range

$28.12 - $38.74

Volume vs Avg

N/A

Beta

0.83

About

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, agricultural, construction and development, farm, non-owner occupied and owner-occupied commercial real estate, residential, and consumer auto and non-auto loans to businesses, professional individuals, and farm and ranch operations. It also provides drive-i...

Sector: Financial Services

Headquarters: US

Employees: 1,400

IPO Date: Nov 1993

Website: www.ffin.com

Beta: 0.83 (Less volatile than market)

Ratings & Grades at a Glance

Overall rating: A-. Current institutional positions: Equal Weight: 8, Hold: 13, Market Perform: 7, Neutral: 1, Underweight: 1.

Financial story & AI narrative

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Valuation & Ratios

Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.

DCF vs price: DCF estimate is $8.80; current price is $32.31. That’s a -72.8% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.

Metric	Value
Valuation
P/E (TTM)	17.59
DCF value (model)	$8.80 (-72.8% vs price)
PEG (TTM)	1.26
P/B (TTM)	2.38
P/S (TTM)	5.46
P/FCF (TTM)	16.36
Liquidity & enterprise
Current Ratio (TTM)	3.9
Quick Ratio (TTM)	3.9
Cash Ratio (TTM)	3.9
Profitability
ROE (TTM)	N/A
ROA (TTM)	N/A
Revenue growth (YoY)	N/A
Net margin (TTM)	31.14%
Gross margin (TTM)	72.7%
Operating margin (TTM)	38.04%
Debt to equity (TTM)	N/A

Latest News

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Price Target, Ratings & Grades

Analyst price targets, consensus, rating snapshot, and institutional grades for FFIN.

Analyst Sentiment at a Glance

A-

Equal Weight 8Hold 13Market Perform 7Neutral 1Underweight 1

Consensus Target

$39.00

High Target

$39.00

Low Target

$39.00

Median Target

$39.00

Stock Grades (Institutions)

Institution	Action	Previous Grade	New Grade	Date
Keefe, Bruyette & Woods	maintain	Market Perform	Market Perform	2026-04-09
Keefe, Bruyette & Woods	maintain	Market Perform	Market Perform	2025-10-24
Keefe, Bruyette & Woods	maintain	Market Perform	Market Perform	2025-07-18
Keefe, Bruyette & Woods	maintain	Market Perform	Market Perform	2025-04-21
Keefe, Bruyette & Woods	maintain	Market Perform	Market Perform	2025-01-27
Keefe, Bruyette & Woods	maintain	Market Perform	Market Perform	2024-12-04
Stephens & Co.	maintain	Equal Weight	Equal Weight	2024-10-18
Truist Securities	maintain	Hold	Hold	2024-09-20
Truist Securities	maintain	Hold	Hold	2024-07-24
Stephens & Co.	maintain	Equal Weight	Equal Weight	2024-07-19
Truist Securities	maintain	Hold	Hold	2024-07-08
Truist Securities	maintain	Hold	Hold	2024-04-22
Stephens & Co.	maintain	Equal Weight	Equal Weight	2024-04-19
Truist Securities	maintain	Hold	Hold	2024-04-01
Truist Securities	maintain	Hold	Hold	2024-01-30
Stephens & Co.	maintain	Equal Weight	Equal Weight	2024-01-26
Keefe, Bruyette & Woods	maintain	Market Perform	Market Perform	2024-01-26
Truist Securities	maintain	Hold	Hold	2023-12-15
Stephens & Co.	maintain	Equal Weight	Equal Weight	2023-10-20
Truist Securities	maintain	Hold	Hold	2023-09-27
Truist Securities	maintain	Hold	Hold	2023-07-24
Stephens & Co.	maintain	Equal Weight	Equal Weight	2023-07-21
Truist Securities	maintain	Hold	Hold	2023-06-29
Stephens & Co.	maintain	Equal Weight	Equal Weight	2023-04-21
Truist Securities	maintain	Hold	Hold	2023-03-23
Truist Securities	maintain	Hold	Hold	2022-06-15
Truist Securities	maintain	Hold	Hold	2022-06-13
Janney Montgomery Scott	maintain	Neutral	Neutral	2021-08-31
Stephens & Co.	maintain	Equal Weight	Equal Weight	2021-07-27
Piper Sandler	maintain	Underweight	Underweight	2020-10-26