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First Financial Bankshares, Inc. FFIN

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Price alert · FFIN

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30.59 USD -0.16 -0.52%

At close

30.72 +0.13 +0.44%

Pre-market · Nov 2, 4:05 AM ET

Bid
30.58 × 2
Ask
30.59 × 1
30.28 Day range 30.97
28.12 52-week range 36.52
YTD
+2.41%
1 year
-0.36%
Open
30.92
Prev close
30.75
Mkt cap
4.39B
Vol
758.98K
Avg vol
853.71K
EPS
2.02
P/E
15.14
Div yield
2.86%
More statistics
Low
30.28
High
30.97
Forward P/E
14.33
Beta
0.83
Short ratio
9.76
Inst. own
72.17%
Dividend
0.88
Ex-div date
Sep 13, 2026
Earnings
Jan 28, 2027
50-d avg
32.09
200-d avg
32.51
1y target
34.71

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Financial health

Altman Z-Score

-0.25 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 2
  • P/B 1

Valuation

P/E 16.8×
FY 2016: 28.3×FY 2017: 24.8×FY 2018: 26.0×FY 2019: 28.8×FY 2020: 25.5×FY 2021: 31.8×FY 2022: 21.0×FY 2023: 21.8×FY 2024: 23.1×FY 2025: 16.8×
FY 2016 5y median 21.8× FY 2025
P/S 5.2×
FY 2016: 9.6×FY 2017: 9.1×FY 2018: 10.2×FY 2019: 11.4×FY 2020: 10.4×FY 2021: 14.3×FY 2022: 8.9×FY 2023: 6.9×FY 2024: 7.0×FY 2025: 5.2×
FY 2016 5y median 7.0× FY 2025
P/B 2.2×
FY 2016: 3.6×FY 2017: 3.2×FY 2018: 3.7×FY 2019: 3.9×FY 2020: 3.1×FY 2021: 4.1×FY 2022: 3.9×FY 2023: 2.9×FY 2024: 3.2×FY 2025: 2.2×
FY 2016 5y median 3.2× FY 2025
P/FCF 13.9×
FY 2016: 21.3×FY 2017: 16.9×FY 2018: 23.1×FY 2019: 24.6×FY 2020: 26.5×FY 2021: 21.5×FY 2022: 15.9×FY 2023: 16.2×FY 2024: 17.6×FY 2025: 13.9×
FY 2016 5y median 16.2× FY 2025
EV/EBITDA 10.0×
FY 2016: 21.5×FY 2017: 18.3×FY 2018: 21.6×FY 2019: 23.2×FY 2020: 19.0×FY 2021: 25.9×FY 2022: 17.8×FY 2023: 16.4×FY 2024: 16.1×FY 2025: 10.0×
FY 2016 5y median 16.4× FY 2025
EV/Sales 3.9×
FY 2016: 10.3×FY 2017: 8.9×FY 2018: 10.7×FY 2019: 11.7×FY 2020: 9.8×FY 2021: 14.6×FY 2022: 9.5×FY 2023: 6.7×FY 2024: 6.2×FY 2025: 3.9×
FY 2016 5y median 6.7× FY 2025
FCF Yield 7.2%
FY 2016: 4.7%FY 2017: 5.9%FY 2018: 4.3%FY 2019: 4.1%FY 2020: 3.8%FY 2021: 4.6%FY 2022: 6.3%FY 2023: 6.2%FY 2024: 5.7%FY 2025: 7.2%
FY 2016 5y median 6.2% FY 2025

Profitability

Gross Margin 71.8%
FY 2016: 94.9%FY 2017: 95.2%FY 2018: 93.6%FY 2019: 92.1%FY 2020: 93.1%FY 2021: 99.0%FY 2022: 91.1%FY 2023: 75.1%FY 2024: 70.8%FY 2025: 71.8%
FY 2016 5y median 75.1% FY 2025
Operating Margin 37.5%
FY 2016: 44.0%FY 2017: 44.8%FY 2018: 46.5%FY 2019: 47.5%FY 2020: 49.3%FY 2021: 53.8%FY 2022: 51.0%FY 2023: 39.1%FY 2024: 36.8%FY 2025: 37.5%
FY 2016 5y median 39.1% FY 2025
Net Margin 30.7%
FY 2016: 33.9%FY 2017: 36.6%FY 2018: 39.3%FY 2019: 39.5%FY 2020: 41.1%FY 2021: 45.0%FY 2022: 42.5%FY 2023: 32.0%FY 2024: 30.2%FY 2025: 30.7%
FY 2016 5y median 32.0% FY 2025
ROE 13.2%
FY 2016: 12.5%FY 2017: 13.0%FY 2018: 14.3%FY 2019: 13.4%FY 2020: 12.0%FY 2021: 12.9%FY 2022: 18.5%FY 2023: 13.3%FY 2024: 13.9%FY 2025: 13.2%
FY 2016 5y median 13.3% FY 2025
ROIC 13.1%
FY 2016: 7.9%FY 2017: 9.3%FY 2018: 9.7%FY 2019: 9.9%FY 2020: 9.1%FY 2021: 9.0%FY 2022: 11.9%FY 2023: 10.1%FY 2024: 11.9%FY 2025: 13.1%
FY 2016 5y median 11.9% FY 2025
ROA 1.6%
FY 2016: 1.5%FY 2017: 1.7%FY 2018: 1.9%FY 2019: 2.0%FY 2020: 1.9%FY 2021: 1.7%FY 2022: 1.8%FY 2023: 1.5%FY 2024: 1.6%FY 2025: 1.6%
FY 2016 5y median 1.6% FY 2025

Growth (YoY)

Revenue 11.7%
FY 2016: 7.5%FY 2017: 6.3%FY 2018: 16.7%FY 2019: 8.8%FY 2020: 18.0%FY 2021: 2.8%FY 2022: 9.0%FY 2023: 12.9%FY 2024: 18.8%FY 2025: 11.7%
FY 2016 FY 2025
Operating Income 13.9%
FY 2016: 3.1%FY 2017: 8.3%FY 2018: 21.1%FY 2019: 11.1%FY 2020: 22.4%FY 2021: 12.2%FY 2022: 3.3%FY 2023: -13.4%FY 2024: 11.7%FY 2025: 13.9%
FY 2016 FY 2025
EPS (diluted) 13.5%
FY 2016: 3.9%FY 2017: 13.7%FY 2018: 22.0%FY 2019: 9.0%FY 2020: 17.4%FY 2021: 12.0%FY 2022: 3.1%FY 2023: -15.2%FY 2024: 12.2%FY 2025: 13.5%
FY 2016 FY 2025
Free Cash Flow 4.9%
FY 2016: 53.1%FY 2017: 25.5%FY 2018: -4.2%FY 2019: 14.9%FY 2020: 0.2%FY 2021: 73.0%FY 2022: -8.2%FY 2023: -13.3%FY 2024: 9.5%FY 2025: 4.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.7×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.1×FY 2025: 0.7×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 0.7×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.1×FY 2025: 0.7×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 0.0×
FY 2016: 0.5×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -3.3×
FY 2016: 1.3×FY 2017: -0.3×FY 2018: 1.1×FY 2019: 0.5×FY 2020: -1.2×FY 2021: 0.5×FY 2022: 1.1×FY 2023: -0.5×FY 2024: -2.0×FY 2025: -3.3×
FY 2016 5y median -0.5× FY 2025
Interest Coverage 1.5×
FY 2016: 24.9×FY 2017: 15.8×FY 2018: 9.4×FY 2019: 6.6×FY 2020: 17.0×FY 2021: 45.0×FY 2022: 8.9×FY 2023: 1.7×FY 2024: 1.3×FY 2025: 1.5×
FY 2016 5y median 1.7× FY 2025

Dividends

Dividend Yield 2.5%
FY 2016: 1.5%FY 2017: 1.6%FY 2018: 1.4%FY 2019: 1.3%FY 2020: 1.4%FY 2021: 1.1%FY 2022: 1.9%FY 2023: 2.3%FY 2024: 2.0%FY 2025: 2.5%
FY 2016 5y median 2.0% FY 2025
Payout Ratio 41.8%
FY 2016: 42.9%FY 2017: 40.7%FY 2018: 35.8%FY 2019: 37.0%FY 2020: 34.8%FY 2021: 35.0%FY 2022: 38.9%FY 2023: 50.2%FY 2024: 46.0%FY 2025: 41.8%
FY 2016 5y median 41.8% FY 2025

Annual · latest fiscal year ends 2025-12-31