First Financial Bankshares, Inc.
FFIN
NASDAQ·Financial Services·Banks - Regional·Mkt cap $4.8B
$33.44
▲ +0.30%
P/E
17.88
Mkt Cap
$4.8B
52-Wk Range
$28.12–$37.35
52-Week Range
$28.12 - $37.35
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 9.0% 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 1.4x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Steady revenue growth (12% YoY)
Value
Growth premium of 1.4x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Stable
+2.3% over 3m
Quality
Excellent
High-growth business (48% revenue growth, 73% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.36% 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
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 22, 2026
JUL 16, 2026
Reported EPS of $0.50 vs $0.50 consensus (0.0% surprise). Revenue of $172.8M vs $173.0M expected (-0.2%).
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
0.0%
Revenue trend · last 8Q
—
+24%
+15%
+19%
+16%
+51%
+48%
+8%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$136.0M
$143.6M
$145.4M
$156.6M
$210.2M
$216.2M
$215.0M
$221.8M
Margins · last 8Q
Gross
76.0%
Operating
39.4%
Profit
32.4%
Wall Street consensus
4 analysts · 25% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
25%
Hold
75%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · Aug 27, 2026
vs Industry
How FFIN stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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