FFIN — First Financial Bankshares, Inc. stock price, charts and financials
QT44First Financial Bankshares, Inc.First Financial Bankshares, Inc. (NASDAQ: FFIN) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 19.00 | EPS (ttm) | 1.87 | Insider Own | 2.30% | Shs Outstand | 143.28M | Perf Week | 0.91% |
| Market Cap | 5.09B | Forward P/E | 16.45 | EPS next Y | 2.16 | Insider Trans | 0.89% | Shs Float | 137.76M | Perf Month | 2.24% |
| Enterprise Value | 4.88B | PEG | 3.41 | EPS next Q | 0.52 | Inst Own | - | Short Float | 6.22% | Perf Quarter | 11.76% |
| Income | 269.00M | P/S | 5.90 | EPS this Y | 9.41% | Inst Trans | - | Short Ratio | 9.73 | Perf Half Y | 9.63% |
| Sales | 863.00M | P/B | 2.55 | EPS next Y | 5.57% | ROA | 1.76% | Short Interest | 8.57M | Perf YTD | 18.95% |
| Book/sh | 13.94 | P/C | 17.86 | EPS next 5Y | 5.57% | ROE | 14.00% | 52W High | 38.12 -6.79% | Perf Year | 4.35% |
| Cash/sh | 1.99 | P/FCF | 16.47 | EPS past 3/5Y | 2.58% 4.50% | ROIC | 12.52% | 52W Low | 28.12 26.35% | Perf 3Y | 8.92% |
| Dividend Est. | 0.88 (2.48%) | EV/EBITDA | 14.57 | Sales past 3/5Y | 14.45% 10.92% | Gross Margin | 73.09% | Volatility | 1.55% 1.83% | Perf 5Y | -25.72% |
| Dividend TTM | 0.79 (2.22%) | EV/Sales | 5.66 | EPS Y/Y TTM | 19.87% | Oper. Margin | 38.00% | ATR (14) | 0.68 | Perf 10Y | 106.33% |
| Dividend Ex-Date | Jun 12, 2026 | Quick Ratio | 0.02 | Sales Y/Y TTM | 16.78% | Profit Margin | 31.16% | RSI (14) | 58.89 | Recom | 3.25 |
| Dividend Gr. 3/5Y | 4.35% 8.02% | Current Ratio | 0.02 | EPS Q/Q | 6.38% | SMA20 | 1.66% | Beta | 0.83 | Target Price | 35.00 |
| Payout | 39.95% | Debt/Eq | 0.01 | Sales Q/Q | 7.77% | SMA50 | 4.45% | Rel Volume | 0.85 | Prev Close | 35.42 |
| Employees | 1,500 | LT Debt/Eq | 0.08 | Earnings | Oct 22 | SMA200 | 10.76% | Avg Volume | 908.86K | Price | 35.53 |
| IPO Date | Nov 01, 1993 | Option/Short | Yes / Yes | EPS/Sales Surpr. | -0.79% -0.16% | Net Debt/EBITDA | -0.62 | Volume | 774,309 | Change | 0.31% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jul-15-26 | Reiterated | Cantor Fitzgerald | Neutral | $39 → $35 |
| Oct-27-25 | Reiterated | Hovde Group | Underperform | $39 |
| Sep-09-25 | Initiated | Cantor Fitzgerald | Neutral | $39 |
| Oct-18-24 | Reiterated | Stephens & Co. | Equal Weight | $40 |
| Jul-24-24 | Reiterated | Truist Securities | Hold | $39 |
| Apr-21-17 | Upgrade | Keefe, Bruyette & Woods | Underperform → Market Perform | |
| Nov-29-16 | Downgrade | Keefe Bruyette & Woods | Market Perform → Underperform | |
| Nov-18-16 | Downgrade | Hovde Group | Market Perform → Underperform | |
| Feb-29-16 | Upgrade | Hovde Group | Underperform → Market Perform | |
| Jan-29-16 | Downgrade | Piper Sandler | Hold → Sell |
First Financial Bankshares, Inc. (FFIN) is a financial institution that delivers a broad array of commercial banking and financial services throughout Texas via its network of subsidiaries. Its core offerings include various deposit solutions, such as checking, savings, money market, and time deposit accounts. The company provides diverse lending options, extending credit for commercial and industrial ventures, municipal projects, agriculture, construction and development, and farm operations. It also finances both owner-occupied and non-owner-occupied commercial real estate, residential properties, and consumer needs, including vehicle and other personal loans. These services primarily cater to businesses, professional clients, and agricultural enterprises. The institution also equips its customers with contemporary banking conveniences like internet and mobile banking, remote deposit capture, payroll cards, and funds transfer capabilities. Traditional amenities such as drive-in and night deposit services, automated teller machines (ATMs), and secure safe deposit facilities are also part of its comprehensive service suite. Beyond conventional banking, First Financial Bankshares offers robust personal trust services. These encompass wealth management, estate administration, and the management of various trust structures, including testamentary, revocable, irrevocable, and agency accounts. Additionally, the company provides securities brokerage and manages a range of retirement and employee benefit plans, such as 401(k) profit-sharing plans and Individual Retirement Accounts (IRAs). Its service portfolio is further enhanced by asset management and technology services. As of December 31, 2021, FFIN operated 78 financial centers strategically located across Texas. The company, established in 1890, maintains its corporate headquarters in Abilene, Texas.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 863 | 826 | 739 | 622 | 551 | 506 | 492 | 417 | 383 | |
| Cost of Goods Sold Incl. D&A | 232 | 233 | 216 | 155 | 49 | 5 | 34 | 33 | 25 | |
| Gross Profit | 632 | 593 | 523 | 467 | 502 | 501 | 458 | 384 | 359 | |
| Selling, General and Administrative Excl. Other | 232 | 215 | 166 | 145 | 143 | 151 | 141 | 122 | 114 | |
| Research and Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Other Operating Expense | 71 | 69 | 85 | 79 | 79 | 78 | 75 | 64 | 67 | |
| Operating Income | 328 | 310 | 272 | 243 | 281 | 272 | 242 | 198 | 178 | |
| Interest Expense | 202 | 202 | 202 | 144 | 31 | 6 | 14 | 30 | 19 | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 202 | 202 | 202 | 144 | 31 | 6 | 14 | 30 | 19 | |
| Net Income Before Taxes | 328 | 310 | 272 | 243 | 281 | 272 | 242 | 198 | 178 | |
| Income Taxes | 59 | 56 | 48 | 44 | 46 | 44 | 40 | 33 | 28 | |
| Consolidated Net Income | 269 | 254 | 224 | 199 | 234 | 228 | 202 | 165 | 151 | |
| Net Income From Continuing Operations | 269 | 254 | 224 | 199 | 234 | 228 | 202 | 165 | 151 | |
| Net Income | 269 | 254 | 224 | 199 | 234 | 228 | 202 | 165 | 151 | |
| EPS (Recurring) | 1.88 | 1.78 | 1.56 | 1.39 | 1.64 | 1.60 | 1.42 | 1.22 | 1.11 | |
| EPS (Basic, Before Extraordinaries) | 1.88 | 1.78 | 1.56 | 1.39 | 1.64 | 1.60 | 1.42 | 1.22 | 1.11 | |
| EPS (Diluted) | 1.87 | 1.77 | 1.56 | 1.39 | 1.64 | 1.59 | 1.42 | 1.21 | 1.11 | |
| EBITDA | 335 | 320 | 285 | 256 | 294 | 285 | 255 | 210 | 191 | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 19.00 | 16.88 | 23.11 | 21.80 | 20.98 | 31.97 | 25.47 | 29.01 | 25.99 | |
| Price To Sales Ratio | 5.89 | 5.17 | 6.98 | 6.97 | 8.93 | 14.27 | 10.44 | 11.45 | 10.17 | |
| Gross Margin | 73.23 | 71.79 | 70.77 | 75.08 | 91.11 | 99.01 | 93.09 | 92.09 | 93.73 | |
| Operating Margin | 38.01 | 37.53 | 36.81 | 39.07 | 51.00 | 53.75 | 49.19 | 47.48 | 46.48 | |
| Net Margin | 31.17 | 30.75 | 30.31 | 31.99 | 42.47 | 45.06 | 41.06 | 39.57 | 39.43 | |
| Shares Outstanding | 143 | 143 | 143 | 143 | 143 | 142 | 142 | 136 | 135 | |
| Market Capitalization | 5,081 | 4,271 | 5,155 | 4,333 | 4,919 | 7,219 | 5,136 | 4,774 | 3,895 | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Nickles Robert Clark Jr | Director | Jul 24 '26 | Buy | 34.89 | 700 | 24,423 | 98,324 | Jul 27 |
| Edwards Murray Hamilton | Director | Jun 11 '26 | Buy | 33.18 | 1,000 | 33,180 | 44,634 | Jun 15 |
| Bailey David William | President and CEO | May 06 '26 | Option Exercise | 21.18 | 2,500 | 52,950 | 23,372 | May 07 |
| Biebighauser Lon A. | Trust Company President | May 06 '26 | Option Exercise | 21.18 | 490 | 10,378 | 11,013 | May 07 |
| Nickles Robert Clark Jr | Director | May 05 '26 | Buy | 31.96 | 664 | 21,221 | 97,624 | May 06 |
| Edwards Murray Hamilton | Director | Mar 13 '26 | Buy | 29.32 | 1,000 | 29,320 | 43,634 | Mar 16 |
| Haney Geoff | Director | Mar 12 '26 | Buy | 29.18 | 1,500 | 43,770 | 33,646 | Mar 13 |
| TROTTER JOHNNY | Director | Mar 12 '26 | Buy | 29.26 | 1,000 | 29,260 | 956,444 | Mar 13 |
| Hickox Michelle S | EVP/CFO | Mar 09 '26 | Buy | 29.50 | 2,000 | 59,000 | 14,600 | Mar 11 |
| Goodrich Brian D. | EVP - General Counsel | Mar 06 '26 | Buy | 29.89 | 1,665 | 49,767 | 5,831 | Mar 09 |
| Davis Sally Pope | Director | Mar 06 '26 | Buy | 29.52 | 1,800 | 53,136 | 10,371 | Mar 09 |
| Goodrich Brian D. | EVP - General Counsel | Mar 05 '26 | Buy | 30.13 | 1,565 | 47,153 | 4,093 | Mar 06 |
| TROTTER JOHNNY | Director | Mar 05 '26 | Buy | 30.02 | 4,000 | 120,080 | 955,444 | Mar 06 |
| Davis Sally Pope | Director | Mar 02 '26 | Buy | 31.21 | 1,600 | 49,936 | 8,571 | Mar 03 |
| Haney Geoff | Director | Feb 20 '26 | Buy | 33.18 | 10,200 | 338,436 | 32,146 | Feb 23 |