First Financial Bankshares Inc.
FFIN | NASDAQ
$30.59
-$0.16 (-0.52%)
At close: Oct 30, 2026, 4:00 PM ET
$30.72
+$0.13 (+0.44%)
Pre-market:
Nov 2, 2026, 4:05 AM ET
Market Data
Market Cap $4.38B
Enterprise Value $4.27B
Beta 0.83
Average Volume 894.39K
Shares Outstanding (Diluted) 143.73M
Shares Change YoY 0.18%
Institutional Ownership 66.86%
Exchange NASDAQ
ISIN US32020R1095
Price Performance
Price Change 1M -3.6%
Price Change 3M -12.9%
Price Change 6M -6.0%
Price Change YTD 2.4%
Price Change 1Y -1.0%
Price Change 3Y 27.2%
Price Change 5Y -39.7%
1M CAGR (ann.) -6.8%
1Y CAGR (ann.) 2.5%
5Y CAGR (ann.) -7.8%
All-Time CAGR 7.2%
Valuation
PE Ratio 15.07
Forward PE 14.33
PEG Ratio 0.81
Forward PEG 0.99
PS Ratio 5.00
Forward PS 5.90
PB Ratio 2.39
P/FCF Ratio 13.61
P/Adj. FCF Ratio 13.84
P/OCF Ratio 16.62
EV/Sales 4.87
EV/EBIT 12.00
EV/EBITDA 11.76
EV/FCF 13.25
Earnings Yield 6.6%
FCF Yield 7.3%
Adj. FCF Yield 7.2%
Financial Health
Net Cash $113.88M
Total Debt $64.94M
Cash & Short-Term Investments $178.82M
Total Assets $15.16B
Current Ratio 0.45
Quick Ratio 0.45
Debt / Equity Ratio 0.04
Debt / EBITDA 0.18
Debt / FCF 0.20
OCF / Debt 5.29
Interest Coverage 1.79
Altman Z-Score -0.18
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 76.3%
Operating Profit Margin 40.5%
EBITDA Margin 41.4%
Net Profit Margin 33.2%
FCF Margin 36.7%
Adj. FCF Margin 36.1%
SBC / Revenue 0.4%
SBC Impact (per share) -1.7%
Returns
Return on Assets 1.9%
Return on Equity 15.1%
Return on Invested Capital 14.4%
Return on Capital Employed 18.3%
Return on Tangible Assets 2.0%
Historical Growth (CAGR)
Revenue CAGR 3Y 13.0%
Revenue CAGR 5Y 11.8%
Revenue CAGR 10Y 11.0%
EPS CAGR 3Y 10.9%
EPS CAGR 5Y 4.8%
EPS CAGR 10Y 9.8%
FCF CAGR 3Y 2.5%
FCF CAGR 5Y 7.3%
FCF CAGR 10Y 9.4%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 4
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jan 28, 2027
EPS Estimate (next Q) $0.53
EPS Growth Est (next Q) 3.9%
Revenue Est (next Q) $179.89M
Revenue Growth Est (next Q) 9.2%
Fair Value Estimates
Graham Number $24.17
Graham Upside -21.0%
Lynch Fair Value $10.15
Lynch Upside -66.8%
Price Target $34.33
Price Target Upside 12.2%
Cash Flow
Operating Cash Flow $343.66M
Free Cash Flow $322.22M
Adj. Free Cash Flow $316.72M
FCF Per Share $1.71
OCF Per Share $1.84
OCF/S Ratio 30.1%
Income Statement
Revenue $877.74M
Gross Profit $670M
Operating Income $355.91M
EBITDA $363.02M
Net Income $291.06M
EPS (Diluted) $2.03
Revenue / Employee $566.29K
Profit / Employee $187.78K
Employees 1,550
Dividends
Annual Dividend $0.82
Dividend Yield 2.68%
Payout Ratio 40.4%
FCF Payout Ratio 33.8%
Adj. FCF Payout Ratio 34.4%
Dividend Growth (YoY) 10.8%
Pay Frequency Quarterly
Ex-Dividend Date Sep 14, 2026
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