NASDAQ: FFINFirst Financial Bankshares Inc Stock
$33.51-0.27 (-0.8%)
Updated Apr 30, 2025
FFIN Price
$33.51
Fair Value Price
$22.50
Market Cap
$4.79B
52 Week Low
$27.62
52 Week High
$44.66
P/E
21.48x
P/B
2.98x
P/S
9.6x
PEG
1.76x
Dividend Yield
2.15%
Revenue
$536.91M
Earnings
$223.51M
Gross Margin
100%
Operating Margin
50.63%
Profit Margin
41.6%
Debt to Equity
7.7
Operating Cash Flow
$310M
Beta
0.95
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
FFIN Overview
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-in and night deposit, remote deposit capture, internet and mobile banking, payroll cards, transmitting funds, and other customary commercial banking services, as well as automated teller machines and safe deposit facilities. In addition, the company offers personal trust services, including wealth management, administration of estates, testamentary trusts, revocable and irrevocable trusts, and agency accounts; and securities brokerage services, as well as administer retirements and employee benefits accounts, such as 401(k) profit-sharing plans and IRAs. Further, the company provides asset management and technology services. As of December 31, 2021, it had 78 financial centers across Texas. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine FFIN's potential to beat the market
DSell
- Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
FFIN
Ranked#267 of 294
Ranked#267 of 294
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $33.87 | B | |
| $33.91 | B | |
| $13.97 | B |
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FFIN News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how FFIN scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
FFIN ($33.51) is overvalued by 48.91% relative to our estimate of its Fair Value price of $22.50 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
FFIN ($33.51) is not significantly undervalued (48.91%) relative to our estimate of its Fair Value price of $22.50 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
FFIN ($33.51) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more FFIN due diligence checks available for Premium users.
Valuation
FFIN fair value
Fair Value of FFIN stock based on Discounted Cash Flow (DCF)
Price
$33.51
Fair Value
$22.50
Overvalued by
48.91%
FFIN ($33.51) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FFIN ($33.51) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
FFIN ($33.51) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
FFIN price to earnings (PE)
For valuing profitable companies with steady earnings
Company
21.48x
Industry
13.39x
Market
29.18x
FFIN is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FFIN is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
FFIN price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
2.98x
Industry
1.13x
FFIN is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
FFIN price to earnings growth (PEG)
For valuing profitable companies with growth potential
FFIN is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
FFIN's financial health
Profit margin
Revenue
$146.1M
Net Income
$62.3M
Profit Margin
42.7%
FFIN's Earnings (EBIT) of $271.85M... subscribe to Premium to read more.
Interest Coverage Financials
FFIN's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$14.0B
Liabilities
$12.4B
Debt to equity
7.7
FFIN's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
FFIN's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$84.5M
Investing
-$336.6M
Financing
$431.8M
FFIN's operating cash flow ($309.64M)... subscribe to Premium to read more.
Debt Coverage Financials
FFIN vs Bank Stocks
First Financial Bankshares Stock FAQ
Company
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