FFIN logo

FIRST FINL BANKSHARES INC

FFINNASDAQ
πŸ† #1310 by market capEarnings Oct 21US Equity
$34.95β–² $0.15 (+0.43%)
Live
1hβ–² 0.0%
24hβ–² 0.4%
7dβ–Ό 1.0%
14dβ–Ό 0.8%
30dβ–² 0.6%
1yβ–Ό 0.3%
🏦Market Cap
$5.01B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+24.4%
Healthy
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
46.8%
Strong
βš–οΈP/S Ratio
7.5x
Fair
Otter Score
50
Weak

Trading Snapshot

Day Range
$34.65 – $35.16
52-Week Range
$28.12 – $38.12
Volume
$6.84B
Avg Volume
$8.85B
Shares Outstanding
143.3M
Next Earnings
Sep 12, 2026

Fundamentals Snapshot

Annual Revenue
$826M
Last Q Revenue
$222M
P/E Ratio
17.9
P/S Ratio
7.5x
EPS (TTM)
$1.92
Dividend Yield
2.18%

Why Investors Own FFIN

  • βœ“High-growth profile β€” revenue up +4.8% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 27% gross margin and 9% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$826Mβ–² +3.8% YoY
Gross Margin (TTM)
26.7%β–² +2.3% YoY
Operating Income (TTM)
$165Mβ–² +3.8% YoY
Free Cash Flow (TTM)
$71Mβ–² +3.8% YoY

About FIRST FINL BANKSHARES INC

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. It also finances both owner-occupied and non-owner-occupied commercial real estate, residential properties, and consumer needs, including vehicle and other personal loans. These services primarily cater to businesses, professional clients, and agricultural enterprises. The institution also equips its customers with contemporary banking conveniences like internet and mobile banking, remote deposit capture, payroll cards, and funds transfer capabilities. Traditional amenities such as drive-in and night deposit services, automated teller machines (ATMs), and secure safe deposit facilities are also part of its comprehensive service suite. Beyond conventional banking, First Financial Bankshares offers robust personal trust services. These encompass wealth management, estate administration, and the management of various trust structures, including testamentary, revocable, irrevocable, and agency accounts. Additionally, the company provides securities brokerage and manages a range of retirement and employee benefit plans, such as 401(k) profit-sharing plans and Individual Retirement Accounts (IRAs). Its service portfolio is further enhanced by asset management and technology services. As of December 31, 2021, FFIN operated 78 financial centers strategically located across Texas. The company, established in 1890, maintains its corporate headquarters in Abilene, Texas.

🦦

Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
50/100

Analyst Ratings

β“˜
Consensus
Buy
11 analysts
Strong Buy2
Buy4
Hold5
Sell0
Strong Sell0
Ratings as of Aug 2026

Latest News & Updates

YahooΒ·5d ago

FIRST FINANCIAL BANK ABILENE REGION ANNOUNCES LEADERSHIP TRANSITION AND EXECUTIVE PROMOTIONS

The Board of Directors of First Financial Bank, a subsidiary of First Financial Bankshares, Inc. (NASDAQ: FFIN), has announced a series of leadership transitions and executive promotions within its Abilene Region including the year-end retirement of longtime Abilene Region leader Marelyn Shedd, the promotion of Marshall Morris to Chairman, President and CEO of the Abilene Region, Evan Harris to Executive Vice President, Senior Relationship Manager - Construction and Development, Dayton Borger to

SeekingAlphaΒ·7d ago

Third Coast Bancshares Still Looks Like A Buy

Third Coast Bancshares experienced growth in both its loan and deposit portfolios, signaling momentum moving into H2 2026. Read why TCBX stock is a Buy.

YahooΒ·9d ago

3 Bank Stocks We’re Skeptical Of

Banks play a critical role in the financial system, providing everything from commercial loans to wealth management and payment processing services. Still, investors are uneasy as banks face challenges from credit quality concerns and potential regulatory changes. These doubts have certainly contributed to banking stocks’ recent underperformance - over the past six months, the industry’s 6.5% gain has fallen behind the S&P 500’s 8.3% rise.

YahooΒ·11d ago

First Financial Bankshares (FFIN) Buyback Extension Puts Its Valuation Back In Focus

First Financial Bankshares (FFIN) has drawn renewed attention to its stock after extending and increasing its share repurchase plan through July 31, 2027, authorizing potential buybacks of up to 7,200,000 shares. See our latest analysis for First Financial Bankshares. At a share price of US$35.14, First Financial Bankshares has seen a 7.92% 90 day share price return and a 17.06% year to date share price return, while the 5 year total shareholder return is down 21.59%. This suggests recent...

YahooΒ·12d ago

Why First Financial Bankshares (FFIN) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial (FFIN) have what it takes? Let's find out.

YahooΒ·12d ago

FIRST FINANCIAL BANKSHARES ANNOUNCES 2026 SHARE REPURCHASE PLAN

First Financial Bankshares, Inc. (NASDAQ: FFIN) (the "Company," "we," "us," or "our") has announced the renewal and increase in the size of its share repurchase plan through July 31, 2027. Pursuant to the renewed plan, the Company may repurchase up to 7,200,000 shares of its common stock, representing approximately 5 percent of the Company's outstanding shares as of July 28, 2026. The Board of Directors previously authorized the repurchase of up to 5,000,000 shares of common stock through July 3