ScoreWhy is First Financial Bankshares, Inc. ?
1
High Profitability with a Net Interest Margin of 5.06%
2
The Bank has a high Capital Adequacy Ratio of 19.14% signifying high buffers against its risk based assets
3
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 7 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 332.51 MM
- NII(Q) Highest at USD 134.79 MM
- ROCE(HY) Highest at 1.78%
4
With ROA of 1.28%, it has a expensive valuation with a 2.18 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 -6.61%, its profits have risen by 13.5% ; the PEG ratio of the company is 1.3
5
High Institutional Holdings at 76.47%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.59% over the previous quarter.
6
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 25.41% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -6.61% returns
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?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
First Financial Bankshares, Inc.
-6.61%
0.62
25.52%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.04%
EBIT Growth (5y)
4.21%
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
42.43%
Pledged Shares
0
Institutional Holding
76.47%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
2.18
EV to EBIT
9.64
EV to EBITDA
9.25
EV to Capital Employed
3.68
EV to Sales
4.42
PEG Ratio
1.25
Dividend Yield
259.57%
ROCE (Latest)
38.22%
ROE (Latest)
13.23%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 332.51 MM
NII(Q)
Highest at USD 134.79 MM
ROCE(HY)
Highest at 1.78%
NET SALES(Q)
Highest at USD 182.94 MM
GROSS NPA (%)
(Q
DIVIDEND PER SHARE(HY)
Highest at USD 0
-4What is not working for the Company
ROCE(HY)
Lowest at 1.78%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 38.14%
CREDIT DEPOSIT RATIO(HY)
Lowest at 62.55%
Here's what is working for First Financial Bankshares, Inc.
NII
Highest at USD 134.79 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 332.51 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 182.94 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Non Performing Loans (%)
Lowest at 0.63%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for First Financial Bankshares, Inc.
Credit Deposit Ratio
Lowest at 62.55%
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 38.14%
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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