FFIN
First Financial Bankshares, Inc.
| Exchange: | NASDAQ |
| Market Cap: | 4.367B |
| Shares Outstanding: | 458.365M |
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – RegionalView industry performance | |||||
| CEO: | David W. Bailey | |||||
| Full Time Employees: | 1550 | |||||
| Address: |
| |||||
| Website: | https://www.ffin.com |
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Revenue Segmentation
FFIN full analysis
Welcome to MARKETSNAP’s SWOT analysis for First Financial Bankshares, or FFIN as it’s known on the ticker. If you’re not familiar with this name, let me give you the quick rundown. First Financial Bankshares is a solid player in the banking sector, operating primarily as a financial holding company with a strong footprint in Texas. They’re all about community banking, offering a range of services from personal banking to commercial loans, and they’ve built a reputation for stability in the…
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| FFIN | First Financial Bankshares, Inc. | 4.4B | 16.4 | 14.9 | 12.5% |
 SFBS | ServisFirst Bancshares, Inc. | 4.3B | 13.1 | 12.3 | 1.7% |
 FULT | Fulton Financial Corporation | 4.3B | 10.6 | 10.7 | 5.0% |
 IBOC | International Bancshares Corporation | 4.2B | 10.2 | 10.5 | 2.4% |
 FBP | First BanCorp. | 4.2B | 11.2 | 11.4 | 1.9% |
 TFSL | TFS Financial Corporation | 4.6B | 44.0 | 45.4 | 1.2% |
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
No earnings call materials on file for this symbol yet.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 622,310 | 739,214 | 825,799 |
| Gross Profit | 467,418 | 523,216 | 593,111 |
| EBITDA | 255,877 | 285,273 | 323,259 |
| Operating Income | 243,299 | 271,846 | 309,609 |
| Net Income | 198,977 | 223,511 | 253,585 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 13,105,594 | 13,979,418 | 15,446,476 |
| Total Liabilities | 11,606,694 | 12,372,858 | 13,529,159 |
| Total Stockholders Equity | 1,498,900 | 1,606,560 | 1,917,317 |
| Total Debt | 404,081 | 197,019 | 21,680 |
| Cash and Cash Equivalents | 536,591 | 763,413 | 1,077,988 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 284,822 | 309,641 | 0 |
| Capital Expenditure | -17,251 | -16,720 | 0 |
| Free Cash Flow | 267,571 | 292,921 | 0 |
| Net Income | 198,977 | 223,511 | 253,579 |
| Net Change in Cash | 205,913 | 226,822 | -763,413 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 777,872.915 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 795,790.684 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 786,831.800 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 407,038.069 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 417,444.520 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 414,346.672 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 322,413.720 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 331,010.692 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 328,451.500 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 198,268.863 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 202,835.850 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 200,552.357 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 2.280 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 2.310 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 2.250 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 2 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 2 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: FFIN demonstrates consistent revenue and net income growth over recent years, as reflected in the Income Statements data. Strong operating cash flow and free cash flow figures from the Cash Flow Statements indicate robust financial health and operational efficiency, positioning the company well within the banking industry.
- Attractive Valuation Metrics: The current price-to-earnings (P/E) ratio and price-to-sales (P/S) ratio from Key Metrics suggest that FFIN is reasonably valued compared to industry averages (Industry and Sector data). Additionally, forward P/E ratios indicate potential for sustained investor confidence based on analyst estimates.
- Strong Balance Sheet: Balance Sheet data highlights a healthy level of cash and cash equivalents alongside a manageable debt-to-equity ratio (Key Metrics). This financial stability provides FFIN with flexibility for future investments or weathering economic downturns.
- Dividend Consistency: A steady dividend yield (Key Metrics) and history of dividend payments (Cash Flow Statements) make FFIN an attractive option for income-focused investors, enhancing its appeal in the financial sector.
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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 $7.86 – $17.29 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.
Common questions about FFIN valuation
Is First Financial Bankshares, Inc. (FFIN) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for First Financial Bankshares, Inc. (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.
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Daily snapshot
Trading Metrics:
| Open: | 31.87 | Previous Close: | 31.59 | |
| Day Low: | 30.4 | Day High: | 32.08 | |
| Year Low: | 28.12 | Year High: | 36.52 | |
| Price Avg 50: | 33 | Price Avg 200: | 32.55 | |
| Volume: | 2.776M | Average Volume: | 858046 |
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