First Financial Bankshares, Inc.

  • Market Cap: Small Cap
  • Industry: Major Banks
  • ISIN: US32020R1095
USD
31.61
0.48 (1.54%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

922.06 k

Shareholding (Mar 2025)

FII

5.15%

Held by 103 FIIs

DII

61.89%

Held by 44 DIIs

Promoter

0.00%

How big is First Financial Bankshares, Inc.?

22-Jun-2025

As of Jun 18, First Financial Bankshares, Inc. has a market capitalization of $5.05 billion, with total assets of $13.98 billion and shareholder's funds of $1.61 billion.

As of Jun 18, First Financial Bankshares, Inc. has a market capitalization of 5,053.98 million, categorizing it as a Small Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 646.53 million and a net profit of 231.46 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 1,606.56 million and total assets at 13,979.42 million.

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What does First Financial Bankshares, Inc. do?

22-Jun-2025

First Financial Bankshares, Inc. is a financial holding company engaged in commercial banking, with a recent net profit of $61 million and a market cap of approximately $5.05 billion. Key metrics include a P/E ratio of 23.00 and a dividend yield of 206.18%.

Overview: <BR>First Financial Bankshares, Inc. is a financial holding company that conducts commercial banking business and operates within the Major Banks industry.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 167 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 61 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 5,053.98 Million (Small Cap)<BR><BR>Key Metrics: <BR>P/E: 23.00 <BR>Dividend Yield: 206.18% <BR>Debt Equity: 0.00 <BR>Return on Equity: 13.78% <BR>Price to Book: 3.01<BR><BR>Contact Details: <BR>Address: 400 Pine St, PO Box 701 ABILENE TX : 79601-5108 <BR>Tel: ['1 325 6277155', '1 325 6277206'] <BR>Website: https://www.ffin.com/

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Should I buy, sell or hold First Financial Bankshares, Inc.?

22-Jun-2025

Who are in the management team of First Financial Bankshares, Inc.?

22-Jun-2025

As of March 2022, the management team of First Financial Bankshares, Inc. includes F. Scott Dueser (Chairman, President, CEO), Tucker Bridwell (Lead Independent Director), and Independent Directors April Anthony, Vianei Braun, David Copeland, and Michael Denny. They are responsible for the company's strategic direction and governance.

As of March 2022, the management team of First Financial Bankshares, Inc. includes the following individuals:<BR><BR>- Mr. F. Scott Dueser, who serves as the Chairman of the Board, President, and Chief Executive Officer.<BR>- Mr. Tucker Bridwell, who is the Lead Independent Director.<BR>- Ms. April Anthony, who is an Independent Director.<BR>- Ms. Vianei Braun, who is also an Independent Director.<BR>- Mr. David Copeland, who serves as an Independent Director.<BR>- Mr. Michael Denny, who is another Independent Director. <BR><BR>This team plays a crucial role in guiding the company's strategic direction and governance.

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Is First Financial Bankshares, Inc. overvalued or undervalued?

20-Sep-2025

As of June 30, 2025, First Financial Bankshares, Inc. is considered overvalued with a P/E ratio of 23, higher than its peers, and has underperformed the S&P 500 with a year-to-date return of -0.64% compared to the index's 12.22%.

As of 30 June 2025, the valuation grade for First Financial Bankshares, Inc. has moved from fair to expensive. The company appears to be overvalued, particularly when considering its P/E ratio of 23, which is higher than peers such as Comerica, Inc. with a P/E of 21.53 and Zions Bancorporation, NA at 10.08. Additionally, the Price to Book Value stands at 3.13, and the EV to EBIT ratio is 16.34, both indicating a premium valuation compared to its peers.<BR><BR>In terms of performance, First Financial Bankshares has underperformed relative to the S&P 500, with a year-to-date return of -0.64% compared to the index's 12.22%. Over the past three years, the company has seen a decline of 16.76%, while the S&P 500 has gained 70.41%. This underperformance reinforces the notion that the stock may be overvalued in the current market environment.

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Is First Financial Bankshares, Inc. technically bullish or bearish?

23-Sep-2025

As of September 19, 2025, First Financial Bankshares, Inc. is in a bearish trend with weak strength indicators, underperforming the S&P 500 with a year-to-date return of -4.80% compared to the index's 13.31%.

As of 19 September 2025, the technical trend for First Financial Bankshares, Inc. has changed from mildly bearish to bearish. The current stance is bearish with a weak strength indicated by the weekly MACD and Bollinger Bands both showing bearish signals. The daily moving averages also confirm a bearish outlook. The KST is mildly bearish on both weekly and monthly time frames, while the Dow Theory indicates a mildly bearish trend on the weekly chart with no trend on the monthly chart. <BR><BR>In terms of performance, the stock has underperformed the S&P 500 across multiple periods, with a year-to-date return of -4.80% compared to the S&P 500's 13.31%, and a one-year return of -9.92% versus 16.64% for the index.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

High Profitability with a Net Interest Margin of 5.57%

 
2

The Bank has a high Capital Adequacy Ratio of 19.14% signifying high buffers against its risk based assets

 
3

The company has declared Positive results for the last 3 consecutive quarters

4

With ROA of 1.30%, it has a expensive valuation with a 3.13 Price to Book Value

5

High Institutional Holdings at 73.07%

6

Below par performance in long term as well as near term

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Major Banks

stock-summary
Market cap

USD 5,292 Million (Small Cap)

stock-summary
P/E

23.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

196.90%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

14.14%

stock-summary
Price to Book

3.05

Revenue and Profits:
Net Sales:
173 Million
(Quarterly Results - Jun 2025)
Net Profit:
67 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-13.66%
0%
-13.66%
6 Months
-11.75%
0%
-11.75%
1 Year
-22.62%
0%
-22.62%
2 Years
14.03%
0%
14.03%
3 Years
-15.14%
0%
-15.14%
4 Years
-37.54%
0%
-37.54%
5 Years
-8.22%
0%
-8.22%

First Financial Bankshares, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
14.12%
EBIT Growth (5y)
6.24%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
46.14%
Pledged Shares
0
Institutional Holding
73.07%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
23
Industry P/E
Price to Book Value
3.13
EV to EBIT
16.34
EV to EBITDA
15.54
EV to Capital Employed
5.52
EV to Sales
6.77
PEG Ratio
1.45
Dividend Yield
195.23%
ROCE (Latest)
33.79%
ROE (Latest)
13.78%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 70 Schemes (32.95%)

Foreign Institutions

Held by 103 Foreign Institutions (5.15%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About First Financial Bankshares, Inc. stock-summary
stock-summary
First Financial Bankshares, Inc.
Major Banks
First Financial Bankshares, Inc. is a financial holding company. The Company, through its subsidiaries, conducts commercial banking business. The Company's subsidiaries include First Financial Bank, National Association, Abilene, Texas; First Technology Services, Inc., Abilene, Texas; First Financial Trust & Asset Management Company, National Association, Abilene, Texas; First Financial Investments, Inc., Abilene, Texas, First Financial Insurance Agency, Inc., Abilene, Texas, Commercial Bancshares, Inc., and Commercial State Bank, Kingwood, Texas. Its loan portfolio consists of loans made to businesses, professionals, individuals, and farm and ranch operations located in the primary trade areas served by its subsidiary bank. Its securities available-for-sale include the United States Treasury securities, Obligations of the United States Government sponsored enterprises and agencies and Obligations of states and political subdivisions.
Company Coordinates stock-summary
Company Details
400 Pine St,, PO Box 701 ABILENE TX : 79601-5108
stock-summary
Tel: 1 325 62771551 325 6277206
stock-summary
Registrar Details