First Financial Bankshares Inc.

FFIN | NASDAQ

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$30.59

-$0.16 (-0.52%)

At close: Oct 30, 2026, 4:00 PM ET

$30.59

$0.00 (0.00%)

Pre-market: Nov 2, 2026, 7:39 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

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