FFIN - First Financial Bankshares, Inc.

FFIN

$34.64 0.08 (-0.23%) Last updated: Jul 15, 2026 04:32

52-Week Range

$34.64

$28.12 $34.64 $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 18.9 PEG 1.35 P/B 2.55 P/S 5.86

Intrinsic value (DCF)

-76.5% 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 76.5% 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

$4.96B

P/E (TTM)

18.86

EPS (TTM)

$1.84

Dividend Yield

2.28%

52-Week Range

$28.12 - $38.74

Volume vs Avg

N/A

Beta

0.83

About

First Financial Bankshares, Inc. (FFIN) is a financial institution that delivers a broad array of commercial banking and financial services throughout Texas via its network of subsidiaries. Its core offerings include various deposit solutions, such as checking, savings, money market, and time deposit accounts. The company provides diverse lending options, extending credit for commercial and industrial ventures, municipal projects, agriculture, construction and development, and farm operations. I...

Sector: Financial Services

Headquarters: US

Employees: 1,500

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 $8.13; current price is $34.64. That’s a -76.5% 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)	18.86
DCF value (model)	$8.13 (-76.5% vs price)
PEG (TTM)	1.35
P/B (TTM)	2.55
P/S (TTM)	5.86
P/FCF (TTM)	16.23
Liquidity & enterprise
Current Ratio (TTM)	0.07
Quick Ratio (TTM)	0.07
Cash Ratio (TTM)	0.05
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

Price Target Consensus

Current $34.64

Median $39.00

Consensus $39.25

Low consensus $39.00

High consensus $40.00

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