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FFIN stock logo

FFIN

First Financial Bankshares, Inc.

$29.98
0.13
 (0.44%)
Exchange:  NASDAQ
Market Cap:  4.294B
Shares Outstanding:  458.365M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  David W. Bailey
Full Time Employees:  1400
Address: 
400 Pine Street
Abilene
TX
79601
US
Website:  https://www.ffin.com
First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company accepts checking, savings and money market accounts, and time deposits; commercial and industrial, municipal, agricultural, construction and development, farm, non-owner occupied and owner-occupied commercial real estate, residential, and consumer auto and non-auto loans to businesses, professional individuals, and farm and ranch operations. It also provides drive-in and night deposit, remote deposit capture, internet and mobile banking, payroll cards, transmitting funds, and other customary commercial banking services, as well as automated teller machines and safe deposit facilities. In addition, the company offers personal trust services, including wealth management, administration of estates, testamentary trusts, revocable and irrevocable trusts, and agency accounts; and securities brokerage services, as well as administer retirements and employee benefits accounts, such as 401(k) profit-sharing plans and IRAs. Further, the company provides asset management and technology services. As of December 31, 2021, it had 78 financial centers across Texas. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue622,310739,214825,799
Gross Profit467,418523,216593,111
EBITDA255,877285,273319,940
Operating Income243,299271,846309,609
Net Income198,977223,511253,585

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets13,105,59413,979,41815,446,476
Total Liabilities11,606,69412,372,85813,529,159
Total Stockholders Equity1,498,9001,606,5601,917,317
Total Debt404,081197,01921,680
Cash and Cash Equivalents536,591763,4131,077,988

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Cash Flow Statement

Year202320242025
Operating Cash Flow284,822309,6410
Capital Expenditure-17,251-16,7200
Free Cash Flow267,571292,9210
Net Income198,977223,511253,579
Net Change in Cash205,913226,822-763,413

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)732,597.525Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)742,741.582Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)737,937Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)334,195.848Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)338,823.357Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)336,631.606Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)298,711.787Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)304,100.677Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)300,712.750Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)186,728.803Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)189,314.380Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)188,089.760Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.100Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.120Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.080Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
755.043M  ?P/S
 (TTM)
: 
5.2
?Net Income
 (TTM)
: 
223.511M  ?P/E
 (TTM)
: 
16.92
?Enterprise Value
 (TTM)
: 
3.238B  ?EV/FCF
 (TTM)
: 
11.44
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.42
?ROE
 (TTM)
: 
0.14  ?ROIC
 (TTM)
: 
0.13
?Net Debt
 (TTM)
: 
-62977000  ?Debt/Equity
 (TTM)
: 
0.01
?P/B
 (TTM)
: 
  ?Current Ratio
 (TTM)
: 

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
N/AFull AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates FFIN intrinsic value between $30.10 – $37.38 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate FFIN Intrinsic Value

Common questions about FFIN valuation

Is FFIN (FFIN) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for FFIN (FFIN) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FFIN a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FFIN trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FFIN’s P/E ratio?

You can see FFIN’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FFIN?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FFIN a good long-term investment?

Whether FFIN fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FFIN

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0.44
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Relevant news

Are You Looking for a High-Growth Dividend Stock?
First Financial Bankshares, Inc. $FFIN Stake Boosted by Ameritas Advisory Services LLC
Why First Financial Bankshares (FFIN) is a Great Dividend Stock Right Now
FIRST FINANCIAL BANK ANNOUNCES PROMOTIONS AS PART OF ITS CONTINUED SUCCESSION PLANNING

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