First Financial Bankshares Inc (FFIN)

Financial Services Banks - Regional

35.40 $

+0.8% vs. previous close

Closing price · As of: 3. Aug 2026

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Trading Day

Previous Close

35.10$

Open

35.40$

Day High

35.70$

Day Low

35.20$

Volume

776,722shares

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 35.40 $ — 72% 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

96.1%

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

6.59%

Perf. 3Y

15.91%

Perf. 5Y

-18.74%

Perf. 10Y

148.89%

Perf. Since Inception

7,051.22%

Technical Indicators

MA 38 Days

34.40$

MA 50 Days

33.90$

MA 200 Days

32.10$

RSI (14)

57.9

Volatility 30 Days

24.3%

Volatility 250 Days

25.6%

Calculated from the price history · as of 08/04/2026

Valuation

P/E

19.2

Forward P/E

24.6

PEG

2.6

P/B

2.6

P/S

5.9

EV/EBITDA

0.0

Price/FCF

16.4

Profitability

Gross Margin

100.0%

EBIT Margin

57.1%

Net Margin

42.2%

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

2.50%

Dividend Per Share (TTM)

0.79$

Payout Ratio

42.3%

Years Without a Cut

14Years

Increase Streak

14Years

Quality & Screener

Stage

RS Rating

EPS Rating

Piotroski

6 out of 9

Fundamental Rating

B (55 out of 100)

Altman Z″

-1.43

AAQS

9/10 Quality stock

The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).

Sales growth 10Y > 5% 11.5%
Exp. sales growth 3Y > 5% -4.9%
EBIT growth 10Y > 5% 9.6%
Exp. EBIT growth 3Y > 5% 10.5%
Net debt < 4x EBIT -3.4x
EBIT positive, 10Y straight 10
Max. EBIT decline < 50% 13.4%
Return on equity > 15% 15.8%
ROCE > 15% 16.1%
Expected return > 10% 17.3%

View all AAQS quality stocks · Read the methodology at AlleAktien

Source: fundamental data

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

Growth Score

7 of 10 Solid growth

Ten checks against the annual reports — each one passed counts a point.

Revenue grows by more than 15% a year over three years 14.4% failed
More than 10% revenue growth is expected for the coming year 6.8% failed
Share count grows by less than 3% a year 0.1% passed
Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 48.9% passed
Gross margin at 40% or higher and without meaningful erosion 71.8% failed
Goodwill from acquisitions does not grow faster than revenue 2.0% passed
Net debt below twice EBITDA 1,056 m net cash passed
Operating cash flow covers the profits of the last three years 239 m passed
Return on capital at 15% or higher, or up versus two years ago 16.2% passed
Insiders hold at least 10% or are net buyers 3.6% passed

A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail

Analysts & Price Target

Current Price 35.40 $

Price Target (average) 37.00 $

The price target sits 4.5% above the current price.

Consensus: Hold
Analyst Ratings: 4

Distribution of Recommendations

Strong Buy 0

Buy 0

Hold 4

Sell 0

Strong Sell 0

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.

Estimates by Fiscal Year

Estimates by Fiscal Year
Fiscal Year	EPS Estimate ($)	EPS Range ($)	Revenue Estimate ($M)	Expected Growth	Analysts
12/31/2026	2.05	2.04 – 2.06	705	15.6%	5
12/31/2027	2.16	2.12 – 2.18	747	5.6%	5

Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.

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.

From To Indexed

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The figures could not be loaded right now.

Sales Per Quarter ($M)

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.

Annual Figures

Annual Figures
Fiscal Year	Revenue ($M)	EBIT ($M)	Net Income ($M)	EPS ($)	Operating Cash Flow ($M)	Equity ($M)	Total Assets ($M)
2016	309	136	105	0.79	161	838	6,810
2017	329	147	120	0.91	190	923	7,255
2018	383	178	151	1.11	186	1,053	7,732
2019	417	198	165	1.21	204	1,227	8,262
2020	492	242	202	1.42	211	1,678	10,905
2021	506	272	228	1.59	353	1,759	13,102
2022	551	281	234	1.64	324	1,266	12,974
2023	635	243	199	1.39	285	1,499	13,106
2024	739	272	224	1.56	310	1,607	13,979
2025	826	310	254	1.77	321	1,917	15,446

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

About the Company

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

Employees	1,500
Headquarters	Abilene, TX
Address	400 Pine Street, 79601 Abilene, United States
Phone	325 627 7155
Website	ffin.com
IPO Date	1. Nov 1993
ISIN	US32020R1095
Stock Split	2:1 on 06/04/2019

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: August 3, 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.