Stocks · Financial Services · Banks - Regional
First Financial Bankshares, Inc. FFIN
$32.15 +1.26% Close, Oct 2, 2026 · NASDAQ · Market cap $4.61B
High quality
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 17.2× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
- Revenue over the last four quarters was $863.3M, up 10.5% from a year earlier.
- The company holds net cash of $209.3M (cash above total debt).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 37%
- EPS growth (TTM, YoY)Bottom 36%
- FCF growth (TTM, YoY)Bottom 43%
- Revenue growth, 3-year CAGRBottom 49%
- Revenue growth accelerationBottom 40%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 10%
- Gross marginTop 29%
- Operating marginTop 17%
- Cash conversion (OCF / net income)Top 42%
- Accruals (lower is better)Top 43%
- Net debt / EBITDA (lower is better)Top 20%
- Interest coverTop 35%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 46%
- Free-cash-flow yieldBottom 44%
- EBITDA / enterprise valueTop 43%
- Sales / enterprise valueBottom 24%
- P/E vs own 5-year history (lower is better)Top 3%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 26%
- 6-month returnTop 46%
- 1-year return vs S&P 500Bottom 28%
- Distance from 52-week highBottom 44%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 25%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 3%
- Upside to consensus price targetBottom 33%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 35%
- Maximum drawdown, 3 yearsBottom 38%
- Beta vs S&P 500 (lower is better)Bottom 39%
- Net debt / EBITDA (lower is better)Top 20%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 11.9% | 10.5% | ↓ |
| EPS growth (YoY) | 13.6% | 8.7% | ↓ |
| Gross margin | 72.7% | 73.1% | ↑ |
| Operating margin | 38.4% | 38.0% | ↓ |
| FCF margin | 37.2% | 37.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 10.5% | 11.9% | ↓ | Top 37% |
| EPS growth (TTM, YoY) | 8.7% | 13.6% | ↓ | Bottom 36% |
| Gross margin | 73.1% | 72.7% | ↑ | Top 29% |
| Operating margin | 38.0% | 38.4% | ↓ | Top 17% |
| Net margin | 31.2% | 31.4% | ↓ | — |
| Free-cash-flow margin | 37.3% | 37.2% | ↑ | — |
| Return on invested capital | 12.5% | — | Top 10% | |
| Revenue growth, 3-year CAGR | 14.4% | — | Bottom 49% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.28×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.62×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.36%
- Net buyback yield (TTM)
- -0.06%
- Shareholder yield
- 2.31%
- Share count change, 1 year
- +0.9%
- Share count change, 3-year CAGR
- +0.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- -1.2%
- Average 2-day reaction, last 8
- +0.1%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $35.33
- Target vs current price
- +9.9%
- Analysts with a rating
- 16
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 16, 2026 | -0.8% | +3.6% | -1.5% | -0.8% | — |
| Apr 16, 2026 | +5.8% | -0.6% | +2.7% | +0.5% | +11.5% |
| Jan 22, 2026 | +6.3% | -0.3% | -7.4% | -2.1% | -4.0% |
| Oct 23, 2025 | -15.9% | -1.0% | -4.8% | -6.1% | +0.5% |
| Jul 17, 2025 | +4.4% | +1.3% | +1.4% | -0.9% | -7.1% |
| Apr 17, 2025 | +0.6% | -0.2% | +3.1% | +9.8% | +9.2% |
| Jan 23, 2025 | +7.5% | -1.9% | +0.3% | +0.2% | -12.2% |
| Oct 17, 2024 | +0.0% | +0.3% | -3.8% | +7.9% | -6.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 16, 2026 | $0.50 | $0.50 | -0.8% | $172.8M |
| Apr 16, 2026 | $0.50 | $0.47 | +5.8% | $166.9M |
| Jan 22, 2026 | $0.51 | $0.48 | +6.3% | $164.7M |
| Oct 23, 2025 | $0.36 | $0.43 | -15.9% | $157.5M |
| Jul 17, 2025 | $0.47 | $0.45 | +4.4% | $156.6M |
| Apr 17, 2025 | $0.43 | $0.43 | +0.6% | $145.4M |
| Jan 23, 2025 | $0.43 | $0.40 | +7.5% | $143.6M |
| Oct 17, 2024 | $0.39 | $0.39 | +0.0% | $136.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 17.2× | 22.0× | 0th | Bottom 46% |
| P/E (forward) | 15.7× | — | — | — |
| EV / EBITDA | 13.1× | — | — | Top 43% |
| EV / Sales | 5.09× | — | — | Bottom 24% |
| Free-cash-flow yield | 6.99% | — | — | Bottom 44% |
| Earnings yield | 5.82% | — | — | Bottom 46% |
P/E over the past five years
Range 17.2× – 32.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -4.4%
- Earnings per share growth (TTM)
- +8.7%
- Change in P/E multiple
- -4.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.6%
- 200-day average slope (20 days)
- +0.5%
- Distance from 50-day average
- -4.6%
- Distance from 200-day average
- -1.2%
- RSI (14)
- 41.1
- Relative volume
- 1.02×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.0%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.80
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -11.9%
- Maximum drawdown, 3 years
- -33.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 23, 2021 | Oct 20, 2023 | -57.6% | 479 days | Not yet recovered |
| Jun 8, 2021 | Sep 21, 2021 | -17.1% | 73 days | 31 days (Nov 3, 2021) |
| Mar 12, 2021 | Mar 23, 2021 | -11.4% | 7 days | 37 days (May 14, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.61B
- P/E (TTM)
- 17.2
- EPS, diluted (TTM)
- $1.87
- Revenue (TTM)
- $863.3M
- Dividend yield
- 2.55%
- 52-week range
- $28.12 – $36.52
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $505.6M | $551.3M | $622.3M | $739.2M | $825.8M |
| Gross profit | $500.7M | $502.4M | $467.4M | $523.2M | $593.1M |
| Operating income | $272.0M | $280.9M | $243.3M | $271.8M | $309.6M |
| Net income | $227.6M | $234.5M | $199.0M | $223.5M | $253.6M |
| EPS (diluted) | $1.59 | $1.64 | $1.39 | $1.56 | $1.77 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $188.8M | $193.3M | $193.7M | $205.7M | $210.2M | $216.2M | $215.0M | $221.8M |
| Net income | $55.3M | $62.3M | $61.3M | $66.7M | $52.3M | $73.3M | $71.5M | $71.9M |
| EPS (diluted) | $0.39 | $0.43 | $0.43 | $0.47 | $0.36 | $0.51 | $0.50 | $0.50 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $355.2M | $324.3M | $284.8M | $309.6M | $320.6M |
| Capital expenditure | -$19.2M | -$15.8M | -$17.3M | -$16.7M | -$13.4M |
| Free cash flow | $335.9M | $308.5M | $267.6M | $292.9M | $307.1M |
| Dividends paid | -$79.7M | -$91.3M | -$100.0M | -$102.9M | -$106.0M |
| Net share buybacks | $0 | -$9.4M | -$2.7M | $3.2M | $3.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $284.8M
- Total assets
- $15.31B
- Total liabilities
- $13.31B
- Total debt
- $75.5M
- Net debt
- -$209.3M
- Shareholders’ equity
- $2.00B
As of Jun 30, 2026 (filed Aug 4, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 14, 2026 | $0.22 | Oct 1, 2026 |
| Jun 12, 2026 | $0.22 | Jul 1, 2026 |
| Mar 13, 2026 | $0.19 | Apr 1, 2026 |
| Dec 15, 2025 | $0.19 | Jan 2, 2026 |
| Sep 15, 2025 | $0.19 | Oct 1, 2025 |
| Jun 16, 2025 | $0.19 | Jul 1, 2025 |
| Mar 14, 2025 | $0.18 | Apr 1, 2025 |
| Dec 13, 2024 | $0.18 | Jan 2, 2025 |
Short interest
- Shares sold short
- 9,032,215
- Days to cover
- 13.95
- Change vs previous report
- +6.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 4, 2019
- 2-for-1
- Jun 3, 2014
- 2-for-1
- Jun 2, 2011
- 3-for-2
- Jun 2, 2005
- 4-for-3
- Jun 3, 2003
- 5-for-4