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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

First Financial Bankshares Inc (FFIN)

Financial Services Banks - Regional
35.10 $
+0.6% vs. previous close
Closing price · As of: 31. Jul 2026
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Trading Day

Previous Close
34.90$
Open
35.30$
Day High
35.30$
Day Low
34.80$
Volume
811,458shares

Key levels of the most recently completed trading day — not a live quote.

52-Week Range

52-Week Low 52-Week High
28.60 $ 38.00 $
03/18/2026 08/27/2025

Current price 35.10 $ — 69% of the range above the low.

Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.

Basics

Market Cap
5.0$B
Shares Outstanding
143Mio.
Float
95.5%
Beta
0.8

Performance

Perf. 1M
6.10%
Perf. 3M
19.70%
Perf. 6M
13.20%
YTD Performance (%)
13.60%
52-Week-High Distance
-9.8%
Perf. 1Y
4.01%
Perf. 3Y
15.56%
Perf. 5Y
-20.23%
Perf. 10Y
146.78%
Perf. Since Inception
6,994.69%

Technical Indicators

MA 38 Days
34.40$
MA 50 Days
33.90$
MA 200 Days
32.10$
RSI (14)
55.5
Volatility 30 Days
24.3%
Volatility 250 Days
25.6%

Calculated from the price history · as of 08/03/2026

Valuation

P/E
19.1
Forward P/E
22.0
PEG
2.6
P/B
2.6
P/S
5.9
EV/EBITDA
0.0
Price/FCF
16.2

Profitability

Gross Margin
100.0%
EBIT Margin
57.1%
Net Margin
42.4%
Return on Equity
14.6%
Return on Assets
1.8%

Balance Sheet & Safety

Equity Ratio
12.6%
Debt/Equity
0.05
Altman Z″
-1.43
Piotroski
6 out of 9

Growth

Sales Growth Last Quarter
13.10%
EPS Growth Last Quarter
16.40%
Sales Growth (Year)
11.71%
Forward Sales Growth
6.80%
Forward EPS Growth
5.00%

Dividend

Dividend Yield
2.52%
Dividend Per Share (TTM)
0.79$
Payout Ratio
42.9%
Years Without a Cut
14Years
Increase Streak
14Years

Quality & Screener

Stage
2
RS Rating
43
EPS Rating
63
Piotroski
6 out of 9
Fundamental Rating
B (56 out of 100)
Altman Z″
-1.43

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Analysts & Price Target

Current Price 35.10 $
Price Target (average) 34.80 $

The price target sits 0.9% below the current price.

Consensus
Buy

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Next Reporting Date

22. Oct 2026 · after the close · Q3 2026
Expected Earnings per Share
0.52 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

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The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q4 · 193.3 $M Q4 2025: Q1 · 193.7 $M Q1 2025: Q2 · 205.7 $M Q2 2025: Q3 · 210.2 $M Q3 2025: Q4 · 216.2 $M Q4 2026: Q1 · 215.0 $M Q1

Source: fundamental data

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Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.44 35.30 193 20.20 32.20 85 80
2025: Q1 0.43 14.60 194 10.30 31.70 77 75
2025: Q2 0.47 27.60 206 13.30 32.40 61 59
2025: Q3 0.36 -5.70 210 11.30 24.90 80 77
2025: Q4 0.51 17.40 216 11.80 33.90 79 73
2026: Q1 0.50 16.40 215 11.00 33.30 102 98
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

First Financial Bankshares, Inc. bietet über ihre Tochtergesellschaften Bankdienstleistungen in den USA an.

Employees1,500
HeadquartersAbilene, TX
Websiteffin.com
IPO Date1. Nov 1993

Management

Management
Name Title Birth Year
F. Scott Dueser Executive Chairman 1953
David W. Bailey CEO & President 1984
Michelle S. Hickox CPA Executive VP, CFO, Secretary & Treasurer 1968
Ronald D. Butler II Executive VP & Chief Administrative Officer 1961
Timothy Luke Longhofer Executive VP & Chief Credit Officer 1983
J. Kyle McVey CPA Executive VP, Chief Accounting Officer & Investor Relations Director 1987
Timothy Brown Executive VP & Chief Information Officer 1966
Mike Parker Executive VP & Chief Compliance Officer
Brian D. Goodrich Executive VP & General Counsel 1973
Josh Brown CPL Senior Vice President of Human Resources

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Insider Transactions

Insider Transactions
Date Person Role Type Shares Price Value
24. Jul 2026 Nickles Robert Clark Jr Director Buy 700 34.89 24,423

Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.

View all insider transactions →

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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