First Financial Bankshares (FFIN) Stock Price

First Financial Bankshares Price

NASDAQ·CLOSED
34.71USD-0.68 (-1.94 %)
Market closed

Revenue has compounded at 7.8% per year over the past 19 years to 624.21 M USD. Earnings per share have grown at 8.6% per year over the last 19 years. First Financial Bankshares's net margin stands at 40.6%, down from 45.6% several years earlier. First Financial Bankshares currently offers a dividend yield of about 2.16%. The payout ratio is around 42% of earnings. Analysts set a median price target of 36.72 USD, implying 5.8% above the current price. Of 10 analysts, 6 rate the stock a buy — an overall Buy consensus. The stock trades about 21% above its 52-week low.

First Financial Bankshares stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of First Financial Bankshares over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how First Financial Bankshares stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing First Financial Bankshares's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

First Financial Bankshares Stock Price History
DateFirst Financial Bankshares Price
8/6/202634.71 USD
8/5/202635.39 USD
8/4/202635.66 USD
8/3/202635.42 USD
7/31/202635.14 USD
7/30/202634.92 USD
7/29/202635.35 USD
7/27/202634.79 USD
7/23/202634.50 USD
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7/17/202635.32 USD
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7/14/202634.64 USD
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7/10/202634.56 USD
7/9/202634.63 USD
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7/7/202634.67 USD
7/6/202634.72 USD
7/2/202634.88 USD
7/1/202635.45 USD
6/30/202634.60 USD
6/29/202634.39 USD
6/26/202635.24 USD
6/25/202634.94 USD
6/24/202634.04 USD
6/23/202633.50 USD
6/22/202633.29 USD
6/18/202632.76 USD
6/17/202633.10 USD
6/16/202633.36 USD
6/15/202633.38 USD
6/12/202633.50 USD
6/11/202633.18 USD
6/10/202633.35 USD
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6/8/202632.68 USD
6/5/202632.53 USD
6/4/202632.59 USD
6/3/202631.93 USD
6/2/202632.53 USD
6/1/202632.00 USD
5/29/202632.77 USD
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5/26/202632.43 USD
5/22/202632.30 USD
5/21/202632.07 USD
5/20/202632.23 USD
5/19/202631.61 USD
5/18/202631.75 USD
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5/12/202631.70 USD
5/11/202631.48 USD
5/8/202632.26 USD
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5/6/202632.60 USD
5/5/202632.22 USD
5/4/202631.79 USD
5/1/202632.56 USD
4/30/202632.27 USD
4/29/202631.84 USD
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4/24/202631.96 USD
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4/22/202631.99 USD
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4/16/202630.96 USD
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4/7/202630.52 USD
4/6/202630.39 USD
4/2/202629.98 USD
4/1/202629.85 USD
3/31/202629.45 USD
3/30/202629.13 USD
3/27/202628.99 USD
3/26/202629.53 USD
3/25/202629.39 USD
3/24/202629.55 USD
3/23/202629.54 USD
3/20/202628.95 USD
3/19/202628.65 USD
3/18/202628.65 USD
3/17/202629.51 USD
3/16/202629.49 USD
3/13/202629.56 USD
3/12/202629.61 USD
3/11/202629.88 USD
3/10/202630.39 USD
3/9/202630.26 USD
3/6/202630.08 USD
3/5/202630.30 USD
3/4/202630.48 USD
3/3/202630.34 USD
3/2/202630.87 USD
2/27/202630.93 USD
2/26/202633.45 USD
2/25/202632.74 USD
2/24/202632.22 USD
2/23/202632.21 USD
2/20/202633.33 USD
2/19/202633.10 USD
2/18/202632.97 USD
2/17/202633.45 USD
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2/10/202633.67 USD
2/9/202634.54 USD
2/6/202634.78 USD
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2/3/202633.29 USD
2/2/202632.41 USD
1/30/202631.82 USD
1/29/202631.75 USD
1/28/202631.32 USD
1/27/202631.84 USD
1/26/202632.05 USD
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1/20/202632.33 USD
1/16/202632.54 USD
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1/13/202631.77 USD
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1/8/202632.08 USD
1/7/202631.01 USD
1/6/202631.33 USD
1/5/202630.77 USD
1/2/202630.02 USD
12/31/202529.87 USD
12/30/202530.36 USD
12/29/202530.52 USD
12/26/202530.85 USD
12/24/202530.86 USD
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12/22/202531.16 USD
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12/11/202531.75 USD
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12/4/202531.61 USD
12/3/202531.65 USD
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11/28/202531.24 USD
11/26/202531.24 USD
11/25/202531.65 USD
11/24/202530.96 USD
11/21/202531.36 USD
11/20/202530.33 USD
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11/12/202531.36 USD
11/11/202531.44 USD
11/10/202531.25 USD
11/7/202531.35 USD
11/6/202530.75 USD
11/5/202531.22 USD
11/4/202530.65 USD
11/3/202530.92 USD
10/31/202530.89 USD
10/30/202530.70 USD
10/29/202530.64 USD
10/28/202531.34 USD
10/27/202531.14 USD
10/24/202530.95 USD
10/23/202531.85 USD
10/22/202532.17 USD
10/21/202532.17 USD
10/20/202532.24 USD
10/17/202531.52 USD
10/16/202531.34 USD
10/15/202532.83 USD
10/14/202533.69 USD
10/13/202532.82 USD
10/10/202532.51 USD
10/9/202533.74 USD
10/8/202533.39 USD
10/7/202533.37 USD
10/6/202533.63 USD
10/3/202533.51 USD
10/2/202533.38 USD
10/1/202533.64 USD
9/30/202533.65 USD
9/29/202533.77 USD
9/28/202533.77 USD
9/25/202534.11 USD
9/24/202534.02 USD
9/23/202534.38 USD
9/22/202534.32 USD
9/19/202534.88 USD
9/18/202535.82 USD
9/17/202535.00 USD
9/16/202535.03 USD
9/15/202535.43 USD
9/12/202536.02 USD
9/11/202536.10 USD
9/10/202536.05 USD
9/9/202536.08 USD
9/8/202536.74 USD
9/5/202536.74 USD
9/4/202537.24 USD
9/3/202536.61 USD
9/2/202536.75 USD
8/29/202537.27 USD
8/28/202537.37 USD
8/27/202537.98 USD
8/26/202537.63 USD
8/25/202536.85 USD
8/22/202537.57 USD
8/21/202535.77 USD
8/20/202535.74 USD
8/19/202535.77 USD
8/18/202535.63 USD
8/15/202535.62 USD
8/14/202536.43 USD
8/13/202536.01 USD
8/12/202535.04 USD
8/11/202533.90 USD
Access this data via the Eulerpool API

First Financial Bankshares Revenue, Pre-Provision Profit, Net Income

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Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
477.70 M USD
249.80 M USD
202.03 M USD
Jan 1, 2021
499.58 M USD
257.88 M USD
227.56 M USD
Jan 1, 2022
519.83 M USD
285.03 M USD
234.48 M USD
Jan 1, 2023
490.29 M USD
252.40 M USD
198.98 M USD
Jan 1, 2024
537.04 M USD
271.97 M USD
223.51 M USD
Jan 1, 2025
624.21 M USD
330.82 M USD
253.59 M USD
Jan 1, 2026 (e)
704.59 M USD
0.00 USD
293.01 M USD
Jan 1, 2027 (e)
747.41 M USD
0.00 USD
309.33 M USD

First Financial Bankshares Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 9, 2026, 9:09 PM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
210.00231.00257.00287.00309.00328.00383.00417.00491.00505.00551.00634.00739.00825.00704.00747.00
2.4410.0011.2611.677.676.1516.778.8817.752.859.1115.0616.5611.64-14.676.11
96.1996.9796.5095.1294.8295.1293.4791.8593.2899.0191.11100.0070.7771.8871.8871.88
202.00224.00248.00273.00293.00312.00358.00383.00458.00500.00502.00634.00523.00593.00506.03536.93
154.70172.30194.40217.54226.84236.69272.76289.09350.74374.40404.25385.86429.75504.48
57.2062.1066.6066.1276.9482.7091.7197.87126.96125.18115.57104.42107.29119.73
3.503.804.509.7010.206.505.703.0019.50-1.1017.4010.6313.8228.61
102.90108.40123.10134.16137.97145.38173.77190.45249.80257.88285.03252.40271.97330.82
74.0078.0089.00100.00104.00120.00150.00164.00202.00227.00234.00198.00223.00253.00293.00309.00
8.825.4114.1012.364.0015.3825.009.3323.1712.383.08-15.3812.6313.4515.815.46
0.991.030.681.101.180.750.820.570.510.580.660.710.720.750.840.91
-6.604.04-33.9861.767.27-36.449.33-30.49-10.5313.7313.797.581.414.1712.008.33
126.12128.39128.63132.21132.61132.86136.19136.54142.64143.25143.07142.94143.19143.47143.47143.47
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales First Financial Bankshares generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue First Financial Bankshares retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare First Financial Bankshares's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares First Financial Bankshares has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against First Financial Bankshares's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

First Financial Bankshares stock margins

The First Financial Bankshares margin analysis displays the gross margin, EBIT margin, as well as the profit margin of First Financial Bankshares. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for First Financial Bankshares.
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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
47.71 %
42.29 %
Jan 1, 2021
48.38 %
45.55 %
Jan 1, 2022
45.17 %
45.11 %
Jan 1, 2023
48.52 %
40.58 %
Jan 1, 2024
49.36 %
41.62 %
Jan 1, 2025
47.00 %
40.63 %
Jan 1, 2026 (e)
0.00 %
41.59 %
Jan 1, 2027 (e)
0.00 %
41.39 %

First Financial Bankshares Revenue per Share, Earnings per Share

The First Financial Bankshares earnings per share therefore indicates how much revenue First Financial Bankshares has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
3.35 USD
1.42 USD
Jan 1, 2021
3.49 USD
1.59 USD
Jan 1, 2022
3.63 USD
1.64 USD
Jan 1, 2023
3.43 USD
1.39 USD
Jan 1, 2024
3.75 USD
1.56 USD
Jan 1, 2025
4.35 USD
1.77 USD
Jan 1, 2026 (e)
4.92 USD
2.05 USD
Jan 1, 2027 (e)
5.22 USD
2.16 USD

First Financial Bankshares business model & stock analysis

First Financial Bankshares Inc is one of the leading financial institutions in Texas, offering a wide range of financial services to its customers. The bank was founded in 1957 and has since experienced an impressive history of growth and expansion through organic development and acquisitions. The bank is headquartered in Abilene, Texas and currently operates more than 70 branches in Texas and New Mexico. First Financial Bankshares Inc has a market capitalization of over $4.5 billion and is one of the fastest growing banks in the state of Texas. The business model of First Financial Bankshares Inc is based on providing financial services to businesses and individual customers. The bank offers a wide range of banking services, including deposits, loans, mortgage loans, small business loans, and wealth management services. In addition, First Financial Bankshares Inc has its own investment and asset management department, offering services such as investment advisory, wealth planning, and retirement planning for clients. The bank also provides various types of credit cards, including cards for personal and business customers, as well as cards with rewards, discounts, and other benefits. Another important area for First Financial Bankshares Inc is indoor and outdoor lending. The bank offers a wide range of credit products, including auto loans, RV lines of credit, and agricultural loans. The bank also has its own insurance department, offering liability insurance and other insurance products to personal and business customers. The bank's insurance department also provides risk management and consulting services. In addition to the banking business, First Financial Bankshares Inc also operates an investment fund and asset management company, as well as a leasing company. The investment fund and asset management company offers various types of investment funds, including equity, bond, and money market funds. The bank's leasing company provides equipment leasing for businesses. As a key player in the financial sector, First Financial Bankshares Inc has made several acquisitions in the past to expand its presence and accelerate growth. Some of these acquisitions include the acquisition of First Bankshares of Texas, Texas State Bank, and Commercial State Bank. Overall, in recent years, First Financial Bankshares Inc has achieved impressive growth rates through its diversification strategy and expansion plans. With a wide range of financial services for personal and business customers, a strong presence in Texas and New Mexico, and a strong management team, the bank is well positioned to work towards future growth and success.

First Financial Bankshares SWOT Analysis

Strengths

First Financial Bankshares Inc has a strong financial position with a solid balance sheet, enabling them to withstand economic uncertainties and invest in growth opportunities.

The company has a well-established brand reputation built over several years, which helps in attracting and retaining customers.

A strong and experienced management team drives the company's success, providing strategic guidance and maintaining high operational standards.

Weaknesses

First Financial Bankshares Inc faces intense competition from other financial institutions in the market, which puts pressure on their market share and profitability.

The company heavily relies on traditional banking services, and the lack of diversification in its product portfolio limits its ability to capture new revenue streams.

Limited geographic presence restricts the company's growth potential outside its current market segments.

Opportunities

There is a growing demand for digital banking solutions, and First Financial Bankshares Inc can capitalize on this trend by investing in technology and enhancing their online platforms.

Expansion into new geographic markets or through acquisitions presents an opportunity for the company to increase its customer base and diversify its revenue streams.

Offering specialized banking services tailored to specific customer segments, such as small businesses or high net worth individuals, can unlock new revenue opportunities.

Threats

Changes in government regulations and compliance requirements can impose additional costs and operational challenges on First Financial Bankshares Inc.

Increased cybersecurity risks pose a threat to the company's reputation and customer trust, highlighting the need for robust security measures.

Economic downturns and financial crises can adversely impact the banking industry, leading to reduced loan demand and increased loan defaults.

First Financial Bankshares Employees

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First Financial Bankshares Employees
Details
Date
First Financial Bankshares Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

First Financial Bankshares Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

First Financial Bankshares historical P/E ratio, EBIT multiple, and P/S ratio

First Financial Bankshares annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

First Financial Bankshares shares outstanding

The number of shares of First Financial Bankshares was 143.47 M in 2025. This indicates how many shares First Financial Bankshares is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
142.64 M Stocks
Jan 1, 2021
143.25 M Stocks
Jan 1, 2022
143.07 M Stocks
Jan 1, 2023
142.94 M Stocks
Jan 1, 2024
143.19 M Stocks
Jan 1, 2025
143.47 M Stocks
Jan 1, 2026 (e)
143.47 M Stocks
Jan 1, 2027 (e)
143.47 M Stocks

First Financial Bankshares stock splits

In First Financial Bankshares's history, there have been no stock splits.

First Financial Bankshares Dividend History

34 years of dividend payments · 5 consecutive increases

YearAnnual DividendYoY ChangePayments
20260.63USDYTD
Mar 13, 20260.19USD 0.0%1/3
Jun 12, 20260.22USD 15.8%2/3
Sep 14, 2026Declared0.22USD 0.0%3/3
20250.75USD 4.2%
Mar 14, 20250.18USD 0.0%1/4
Jun 16, 20250.19USD 5.6%2/4
Sep 15, 20250.19USD 0.0%3/4
Dec 15, 20250.19USD 0.0%4/4
20240.72USD 1.4%
20230.71USD 7.6%
20220.66USD 13.8%
20210.58USD 13.7%
20200.51USD 10.5%
20190.57USD 30.5%
20180.82USD 9.3%
20170.75USD 36.4%

First Financial Bankshares dividend history and estimates

In 2025, First Financial Bankshares paid a dividend amounting to 0.75 USD. Dividend means that First Financial Bankshares distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020
0.51 USD
0.00 USD
Jan 1, 2021
0.58 USD
0.00 USD
Jan 1, 2022
0.66 USD
0.00 USD
Jan 1, 2023
0.71 USD
0.00 USD
Jan 1, 2024
0.72 USD
0.00 USD
Jan 1, 2025
0.75 USD
0.00 USD
Jan 1, 2026 (e)
0.63 USD
0.21 USD
Jan 1, 2027 (e)
0.00 USD
0.91 USD

First Financial Bankshares dividend payout ratio

In 2025, First Financial Bankshares had a payout ratio of 42.43%. The payout ratio indicates the percentage of the company's profits that First Financial Bankshares distributes as dividends.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
36.01 %
Jan 1, 2021
36.51 %
Jan 1, 2022
40.27 %
Jan 1, 2023
51.00 %
Jan 1, 2024
46.13 %
Jan 1, 2025
42.43 %
Jan 1, 2026 (e)
41.06 %
Jan 1, 2027 (e)
42.01 %

Current First Financial Bankshares forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
60.00 % (6)
Hold
40.00 % (4)
Sell
0.00 % (0)
12M Price Target
36.72
Last Price
34.67
Currency
USD
12M Return Potential
5.91 %
LTM Return
0 %

First Financial Bankshares Analyst Rating Actions

DateFirmActionRatingReliability
7/15/2026
Cantor Fitzgerald
Cantor Fitzgerald
MaintainedNeutral44
4/9/2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
10/24/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
7/18/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
4/21/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
1/27/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
12/4/2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
10/18/2024
Stephens & Co.
Stephens & Co.
MaintainedEqual Weight
9/20/2024
Truist Securities
Truist Securities
MaintainedHold
7/24/2024
Truist Securities
Truist Securities
MaintainedHold

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

First Financial Bankshares Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/16/20260.51USD-177.68 MUSD-2026 Q2
4/16/20260.48USD-170.11 MUSD-2026 Q1
1/22/20260.49USD-169.01 MUSD-2025 Q4
4/18/20240.34USD-127.37 MUSD-2024 Q1
1/17/20240.34USD-127.50 MUSD-2023 Q4
7/19/20230.44USD-142.98 MUSD-2023 Q2
4/19/20230.42USD-138.97 MUSD-2023 Q1
1/25/20230.42USD-138.75 MUSD-2022 Q4
10/20/20220.42USD-139.25 MUSD-2022 Q3
7/21/20220.41USD-138.22 MUSD-2022 Q2
...

EESG©

Eulerpool ESG Scorecard© for the First Financial Bankshares stock

35/100
6
Environment
51
Social
49
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees71
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

First Financial Bankshares shareholder structure

% Name
11.94460%
BLACKROCK, INC.
BLACKROCK, INC.
5.02911%
VANGUARD PORTFOLIO MANAGEMENT LLC
VANGUARD PORTFOLIO MANAGEMENT LLC
4.55361%
STATE STREET CORP
STATE STREET CORP
3.89731%
VANGUARD CAPITAL MANAGEMENT LLC
VANGUARD CAPITAL MANAGEMENT LLC
2.68490%
NEUBERGER BERMAN GROUP LLC
NEUBERGER BERMAN GROUP LLC
2.56953%
GEODE CAPITAL MANAGEMENT, LLC
GEODE CAPITAL MANAGEMENT, LLC
...

First Financial Bankshares Beneficial Ownership Filings (SEC 13D/G)

Free Float
96.1%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
10.50%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
9.57%
The Vanguard Group - 23-1945930
The Vanguard Group - 23-1945930
SEC ↗
8.66%
BlackRock for purposes of Schedule 13G filings.
BlackRock for purposes of Schedule 13G filings.
SEC ↗
5.11%
Vanguard Portfolio Management
Vanguard Portfolio Management
SEC ↗

First Financial Bankshares Executives and Management Board

24 members · avg. age 60 · 17 % women

FD

Mr. F. Scott Dueser (71)

Chairman of the Board, Chief Executive Officer · since 1991

3.55 M USD

Management

RB

Mr. Ronald Butler (65)

Executive Vice President, Chief Administrative Officer

1.44 M USD
MH

Ms. Michelle Hickox (57)

Chief Financial Officer, Executive Vice President

1.42 M USD
KT

Mr. Kirk Thaxton (64)

Chairman, President and Chief Executive Officer of First Financial Trust and Asset Management Company

1.18 M USD
DB

Mr. David Bailey (41)

President

903,625.00 USD
TL

Mr. T. Luke Longhofer (43)

Executive Vice President, Chief Credit Officer

703,641.00 USD
LB

Mr. Lon Biebighauser (44)

President, First Financial Trust & Asset Management Company

Board of Directors

ME

Mr. Murray Edwards (73)

Lead Independent Director

243,000.00 USD
DC

Mr. David Copeland (69)

Independent Director

186,750.00 USD
IL

Mr. Ivan Lancaster (71)

Independent Director

185,000.00 USD
RN

Mr. Robert Nickles (58)

Independent Director

168,500.00 USD
MD

Mr. Michael Denny (71)

Independent Director

160,200.00 USD
VB

Ms. Vianei Braun (56)

Independent Director

154,000.00 USD

Frequently asked questions about First Financial Bankshares

The business model of First Financial Bankshares Inc is focused on providing a comprehensive range of financial services to individuals and businesses. As a bank holding company, First Financial Bankshares Inc operates through its subsidiary banks, offering various products and services such as commercial banking, trust and wealth management, loan services, and insurance services. The company aims to meet the diverse needs of its customers by maintaining a strong local presence and leveraging its extensive expertise in the financial industry. Through its customer-centric approach and commitment to innovation, First Financial Bankshares Inc strives to create long-term value for its shareholders and contribute to the economic growth of the communities it serves.

First Financial Bankshares Inc primarily operates in the financial services industry. As a leading bank holding company, it offers a wide range of commercial banking, trust, and securities services. With its subsidiaries, First Financial Bankshares serves customers in various sectors such as agriculture, energy, real estate, healthcare, manufacturing, and retail. The company's commitment to providing tailored financial solutions has made it a trusted partner for businesses and individuals alike. With its strong presence in the financial services industry, First Financial Bankshares Inc continues to play a significant role in supporting economic growth and prosperity.

The main competitors of First Financial Bankshares Inc in the market include major financial institutions such as JPMorgan Chase & Co., Bank of America Corporation, Wells Fargo & Company, and Citigroup Inc. These competitors also offer a range of banking and financial services, competing with First Financial Bankshares Inc in areas such as commercial banking, mortgage lending, wealth management, and retail banking.

First Financial Bankshares Inc is a renowned financial institution with a rich history and a strong background. Established in 1956, the company has grown to become a leading provider of banking and financial services. With its headquarters in Texas, First Financial Bankshares Inc operates through its numerous subsidiaries, delivering a comprehensive range of services such as commercial banking, trust services, and mortgage loans. The company's commitment to client satisfaction, efficient operations, and strategic growth has enabled it to gain a solid reputation in the industry. First Financial Bankshares Inc continues to serve its customers with integrity, innovation, and excellence, solidifying its position as a trusted financial partner.

First Financial Bankshares Inc, a leading financial institution, has achieved numerous significant milestones throughout its history. The company has consistently delivered strong financial performance, establishing itself as a reliable and trusted entity in the banking sector. First Financial Bankshares Inc has successfully expanded its operations, diversified its product and service offerings, and consistently provided exceptional customer service. The company's commitment to innovation and strategic growth has resulted in it becoming one of the top-performing banks in the industry. With a steadfast focus on customer satisfaction and financial excellence, First Financial Bankshares Inc continues to achieve remarkable milestones in its pursuit of success.

First Financial Bankshares Inc is primarily present in the United States.

First Financial Bankshares Inc represents a set of core values and corporate philosophy that guides its operations. The company emphasizes integrity, trust, and ethical practices in all aspects of its business. With a customer-centric approach, First Financial Bankshares Inc strives to provide exceptional financial services, ensuring transparency and responsiveness to clients' needs. The company also focuses on creating long-term value for shareholders while maintaining a strong commitment to community development and corporate social responsibility. First Financial Bankshares Inc's dedication to these values positions it as a reliable and responsible financial institution, providing customers with the utmost quality and service.

Analysts currently set an average price target of 37.49 USD for the First Financial Bankshares stock (median: 36.72 USD), implying +8.1 % versus the latest price. The consensus is based on 10 analyst ratings.

10 analysts currently rate the First Financial Bankshares stock: 6 recommend buying, 4 holding and 0 selling. For 2026, analysts expect First Financial Bankshares to generate revenue of 704.59 M USD and earnings per share of 2.04 USD.

Converted at the current exchange rate, the First Financial Bankshares share trades at 30.06 EUR (34.71 USD).

The First Financial Bankshares share (FFIN) is listed on 4 stock exchanges, including: NASDAQ (FFIN), Frankfurt (FI6.F), München (FI6.MU), Düsseldorf (FI6.DU).

First Financial Bankshares Inc is a holding company for various banks and financial institutions in Texas and New Mexico. Its business model is based on offering traditional banking products and services to retail customers and businesses. One of the core divisions of the company is retail banking, which focuses on the needs of retail customers. First Financial Bankshares Inc offers various account models, including traditional checking accounts, savings accounts, and accounts with higher interest rates for customers who want to make larger deposits. Customers also have access to various credit products, such as personal loans or mortgages, to meet their financial needs. Online banking and mobile banking are also available to make it easier for customers to access their accounts and financial information. The bank also has a division for asset management and planning. Here, customers can diversify their wealth across a broad range of asset classes, with the company partnering with a number of external asset managers to offer customers individual solutions. First Financial Bankshares Inc also operates a business banking division focused on the needs of small and medium-sized enterprises. The bank offers various types of accounts and loans to help businesses expand. Additionally, the company offers an extended range of cash management services to help businesses manage funds more effectively. The bank also has a division for the agriculture sector. In Texas and New Mexico, agriculture is a significant industry, and First Financial Bankshares Inc has a specialized team that provides financial support to agricultural businesses. The company offers various types of loans and financing programs, such as agricultural mortgages, to help agricultural businesses effectively operate their operations. The company also has an insurance products brokerage division. Various types of insurance, such as life insurance or auto insurance, are brokered across different insurance providers. This segment is intended to help customers round out their overall financial strategy and consider all aspects of their financial lives. Overall, the business model of First Financial Bankshares Inc is based on offering customers a comprehensive range of financial products and services, ranging from traditional banking services to insurance and asset management. The bank serves a broad range of customers, from retail customers to various types of businesses, and strives to offer individual solutions to each customer.

The expected revenue of First Financial Bankshares is 704.59 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of First Financial Bankshares is 293.01 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of First Financial Bankshares is currently 17.00. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the First Financial Bankshares stock.

The price-to-sales ratio (P/S) of First Financial Bankshares is currently 7.07. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the First Financial Bankshares stock.

The Eulerpool Quality Score for First Financial Bankshares is 6/10.

The ISIN of First Financial Bankshares is US32020R1095. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of First Financial Bankshares is 923774. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of First Financial Bankshares is FFIN. The ticker symbol is used to trade First Financial Bankshares shares on the stock exchange.

Over the past 12 months, First Financial Bankshares paid a dividend of 0.75 USD . This corresponds to a dividend yield of about 2.16 %. For the coming 12 months, First Financial Bankshares is expected to pay a dividend of 0.91 USD.

The current dividend yield of First Financial Bankshares is 2.16 %.

First Financial Bankshares pays a dividend, distributed in the months of , , , .

First Financial Bankshares paid dividends every year for the past 33 years.

For the upcoming 12 months, dividends amounting to 0.91 USD are expected. This corresponds to a dividend yield of 2.61 %.

First Financial Bankshares is assigned to the 'Finance' sector.

To receive the latest dividend of First Financial Bankshares from amounting to 0.22 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, First Financial Bankshares distributed 0.72 USD as dividends.

The dividends of First Financial Bankshares are distributed in USD.

All fundamentals and in-depth analysis of First Financial Bankshares

Our stock analysis for First Financial Bankshares stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of First Financial Bankshares. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.