Stock AnalizFirst Financial Bankshares Inc. FFIN
Major Banks · data as of November 13, 2026
First Financial Bankshares Inc. (FFIN) is a financial company listed in the US with a market value of about $4.3B. In the twelve months to September 30, 2026 it had revenue of $679M and net income of $291M, a net margin of 42.9%.
Its overall Stock Analiz score is 2.2 out of 5 (weak). The strongest part is shareholder returns (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 14.9, a price to free cash flow of 13.2, 5-year revenue growth of 5% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 30% below the current price.
Score: 2.2 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Revenue growth above 10% last year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
- Pays a dividend
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $679M | $632M | $551M | $492M | $533M | $513M | $490M | $398M | $375M | $328M | $312M |
| Net income | $291M | $254M | $224M | $199M | $234M | $228M | $202M | $165M | $151M | $120M | $105M |
| Free cash flow | $328M | $286M | $293M | $268M | $308M | $336M | $194M | $194M | $169M | $176M | $140M |
| EPS (diluted) | $2.03 | $1.77 | $1.56 | $1.39 | $1.64 | $1.59 | $1.42 | $1.21 | $1.11 | $0.91 | $0.80 |
| Net margin | 42.9% | 40.2% | 40.6% | 40.5% | 44.0% | 44.4% | 41.2% | 41.5% | 40.2% | 36.7% | 33.6% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 7 analysts is $34.71, 15% above the current price; targets range from $33.00 to $38.00; the consensus rating is “Hold”; expected EPS is $2.04 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is First Financial Bankshares’s P/E ratio?
About 14.9, based on the last twelve months of diluted earnings per share (forward P/E about 14.5).
Is First Financial Bankshares stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 30% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does First Financial Bankshares pay a dividend?
Yes. The dividend yield is about 2.90%, and it has paid dividends for 10 years in our data.
Is First Financial Bankshares a good stock to buy?
We do not give buy or sell advice. First Financial Bankshares scores 2.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.