ScoreWhy is First Financial Bankshares, Inc. ?
1
High Profitability with a Net Interest Margin of 5.11%
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
- NII(Q) Highest at USD 131.37 MM
- NET SALES(Q) Highest at USD 182.87 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 1.36%, it has a expensive valuation with a 2.67 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -17.34%, its profits have risen by 22% ; the PEG ratio of the company is 0.9
5
High Institutional Holdings at 74.88%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.95% over the previous quarter.
6
Below par performance in long term as well as near term
- Along with generating -17.34% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to First Financial Bankshares, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First Financial Bankshares, Inc. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
First Financial Bankshares, Inc.
-17.34%
0.23
27.79%
S&P 500
17.45%
0.90
19.38%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.04%
EBIT Growth (5y)
4.16%
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
42.37%
Pledged Shares
0
Institutional Holding
74.88%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
2.67
EV to EBIT
12.62
EV to EBITDA
12.10
EV to Capital Employed
3.81
EV to Sales
5.92
PEG Ratio
0.87
Dividend Yield
227.46%
ROCE (Latest)
30.18%
ROE (Latest)
14.14%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NII(Q)
Highest at USD 131.37 MM
NET SALES(Q)
Highest at USD 182.87 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
PRE-TAX PROFIT(Q)
Highest at USD 89.55 MM
NET PROFIT(Q)
Highest at USD 73.31 MM
EPS(Q)
Highest at USD 0.51
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 241.77 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 37.25%
CREDIT DEPOSIT RATIO(HY)
Lowest at 61.13%
Here's what is working for First Financial Bankshares, Inc.
NII
Highest at USD 131.37 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 182.87 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 89.55 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 73.31 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.51
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Depreciation
Highest at USD 4.54 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
CASA
Highest at 19.99%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for First Financial Bankshares, Inc.
Operating Cash Flow
Lowest at USD 241.77 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 61.13%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Lowest at 37.25%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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