ScoreWhy is First Financial Bankshares, Inc. ?
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
- NII(Q) Highest at USD 123.73 MM
- OPERATING CASH FLOW(Y) Highest at USD 316.36 MM
- ROCE(HY) Highest at 1.78%
4
With ROA of 1.30%, it has a expensive valuation with a 3.13 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 -26.48%, its profits have risen by 15.8% ; the PEG ratio of the company is 1.5
5
High Institutional Holdings at 73.07%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -26.48% 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, Medium Return
Absolute
Risk Adjusted
Volatility
First Financial Bankshares, Inc.
-22.62%
0.43
27.66%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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
ValuationValuation 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%
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
NII(Q)
Highest at USD 123.73 MM
OPERATING CASH FLOW(Y)
Highest at USD 316.36 MM
ROCE(HY)
Highest at 1.78%
NET SALES(Q)
Highest at USD 172.81 MM
CASH AND EQV(HY)
Highest at USD 496.94 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 107.92 MM
OPERATING PROFIT MARGIN(Q)
Highest at 62.45 %
PRE-TAX PROFIT(Q)
Highest at USD 81.74 MM
NET PROFIT(Q)
Highest at USD 66.66 MM
EPS(Q)
Highest at USD 0.46
-2What is not working for the Company
ROCE(HY)
Lowest at 1.78%
Here's what is working for First Financial Bankshares, Inc.
NII
Highest at USD 123.73 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 172.81 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Cash Flow
Highest at USD 316.36 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 107.92 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 62.45 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 81.74 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 66.66 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.46
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 496.94 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 19.16%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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