Menu
Live
Market Overview
Live indices, gainers & losers
Market Pulse
AI-curated live updates
Market Movers
Top gainers & losers by cap
Market Signals
Value, momentum & analyst signals
Smart Money
Insider & congress trades
Hedge Funds
What 63 elite funds bought & sold
52-Week Highs
Stocks breaking out to new highs
52-Week Lows
Beaten-down stocks near support
High Beta
Stocks that move more than the market
Earnings Calendar
Upcoming earnings dates
Daily
Research
Invest
LIVE
First Financial Bankshares, Inc.
FFIN
NASDAQ·Financial Services·Banks - Regional·Mkt cap $5.1B
$34.88
▼ -1.61%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$28.12 - $38.74
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 5.6% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
6 reasons
- 130+ year heritage and established brand recognition in Texas banking market
- Extensive branch network with 78 financial centers providing local market presence and customer accessibility
- Diversified revenue streams across commercial, retail, agricultural, and wealth management segments reducing earnings volatility
- Strong agricultural and ranch lending expertise serving underserved rural and semi-rural Texas markets
- Integrated digital banking platform combining traditional relationship banking with modern fintech capabilities
- Deep community relationships and local decision-making authority enabling faster credit decisions and personalized service
Bear Case
2 risks
- Average volatility.
- Growth premium of 1.5x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Mild headwinds expected
Steady revenue growth (12% YoY)
Value
Growth premium of 1.5x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Strong
+18.3% over 3m
Quality
Excellent
High-growth business (44% revenue growth, 73% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.23% yield
Smart-money signal
Who's buying FFIN right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Jul 16, 2026
APR 16, 2026
Reported EPS of $0.50 vs $0.47 consensus (+6.4% surprise). Revenue of $166.9M vs $166.3M expected (+0.3%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+6.4%
Next: Jul 16, 2026
Revenue trend · last 8Q
—
—
+24%
+15%
+19%
+16%
+51%
+48%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$131.1M
$136.0M
$143.6M
$145.4M
$156.6M
$210.2M
$216.2M
$215.0M
Margins · last 8Q
Gross
76.5%
Operating
40.8%
Profit
33.3%
Wall Street consensus
2 analysts · 50% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
50%
Hold
50%
Sell
0%
Median Price Target
—
Latest: Benchmark · Jun 24, 2026