First Financial Bankshares (FFIN) Stock Price, News & Analysis

Company Overview

First Financial Bankshares, Inc. is a regional bank holding company headquartered in Cincinnati, Ohio. Through its primary subsidiary, First Financial Bank, the company offers a full suite of banking products and services to individual, small business and commercial clients. With roots dating back to 1863, First Financial has cultivated a strong community banking heritage, combining personalized service with modern financial solutions.

The company’s core business activities include commercial and consumer lending, deposit products, treasury management, mortgage origination and servicing, and wealth management. First Financial Bank’s commercial lending portfolio spans industries such as manufacturing, healthcare and professional services, while its retail banking operations feature checking and savings accounts, home equity lines of credit and consumer installment loans. Wealth management services encompass trust administration, investment advisory and retirement planning tailored to high‐net‐worth individuals and businesses.

First Financial operates more than 100 branch locations and automated teller machines across Ohio, Kentucky and Indiana. The bank has expanded its geographic footprint through targeted acquisitions and organic branch growth, with a focus on Midwestern markets that support both urban and rural communities. Digital banking and mobile platforms complement the company’s branch network, enabling clients to access accounts, make payments and manage cash flow remotely.

Led by a seasoned executive team with extensive experience in community banking and financial services, First Financial emphasizes local decision‐making and relationship-driven service. The company maintains active involvement in regional economic development and charitable initiatives, reflecting its commitment to the communities it serves. By balancing tradition with innovation, First Financial Bankshares aims to deliver sustainable growth and long-term value for its stakeholders.

Key Stats

• Today's Range: $32.87 to $33.57
• 50-Day Range: $30.96 to $33.65
• 52-Week Range: $28.11 to $38.74
• Volume: 881,088 shs
• Average Volume: 896,600 shs
• Market Capitalization: $4.80 billion
• P/E Ratio: 18.21
• Dividend Yield: 2.63%
• Price Target: $37.33
• Consensus Rating: Hold

First Financial Bankshares Stock Analysis - MarketRank™

First Financial Bankshares scored higher than 82% of companies evaluated by MarketBeat, and ranked 245th out of 872 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.4 / 5
• Analyst Rating: Hold

Consensus Rating

First Financial Bankshares has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on no strong buy ratings, 1 buy rating, 3 hold ratings, and no sell ratings.

Upside Potential

First Financial Bankshares has a consensus price target of $37.33, representing about 11.4% upside from its current price of $33.50.

Amount of Analyst Coverage

First Financial Bankshares has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 2.94%

Earnings Growth

Earnings for First Financial Bankshares are expected to grow by 2.94% in the coming year, from $2.04 to $2.10 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Financial Bankshares is 18.21, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.55.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Financial Bankshares is 18.21, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.23.

Price to Book Value per Share Ratio

First Financial Bankshares has a P/B Ratio of 2.50. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.92% of the float of First Financial Bankshares has been sold short.

Short Interest Ratio / Days to Cover

First Financial Bankshares has a short interest ratio ("days to cover") of 11.81, which indicates bearish sentiment.

Change versus previous month

Short interest in First Financial Bankshares has recently decreased by 1.18%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

First Financial Bankshares pays a meaningful dividend of 2.66%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Financial Bankshares has been increasing its dividend for 15 years.

Dividend Coverage

The dividend payout ratio of First Financial Bankshares is 47.83%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Financial Bankshares will have a dividend payout ratio of 41.90% next year. This indicates that First Financial Bankshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: N/A

News Sentiment

First Financial Bankshares has a news sentiment score of 1.84. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.68 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for First Financial Bankshares this week, compared to 3 articles on an average week.

Search Interest

Only 1 people have searched for FFIN on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 3.7 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

2 insiders have purchased shares of First Financial Bankshares in the last three months. Multiple insiders buying is a strong bullish signal.

Net Insider Buying

Over the last three months, insiders have purchased a net $54,401.00 in company stock, which represents 0.0011% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, First Financial Bankshares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $54,401.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

3.80% of the stock of First Financial Bankshares is held by insiders.

Percentage Held by Institutions

69.78% of the stock of First Financial Bankshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 4/1 Dividend: 3/13/2026
• Ex-Dividend for 4/1 Dividend: 3/13/2026
• Dividend Payable: 4/01/2026
• Last Earnings: 4/17/2026
• Record date for 7/1 Dividend: 6/12/2026
• Ex-Dividend for 7/1 Dividend: 6/12/2026
• Today: 6/23/2026
• Dividend Payable: 7/01/2026
• Next Earnings (Estimated): 7/16/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHWEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FFIN
• CIK: 36029
• Web: www.ffin.com
• Phone: (325) 627-7155
• Fax: 325-627-7393
• Employees: 1,600
• Year Founded: 1890

Price Target and Rating

• Average Price Target for First Financial Bankshares: $37.33
• High Price Target: $39.00
• Low Price Target: $34.00
• Potential Upside/Downside: +11.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.84
• Trailing P/E Ratio: 18.21
• Forward P/E Ratio: 16.42
• P/E Growth: N/A
• Net Income: $253.58 million
• Net Margins: 31.00%
• Pretax Margin: 37.88%
• Return on Equity: 14.20%
• Return on Assets: 1.76%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.67
• Quick Ratio: 0.67

Sales & Book Value

• Annual Sales: $833.20 million
• Price / Sales: 5.76
• Cash Flow: $2.16 per share
• Price / Cash Flow: 15.52
• Book Value: $13.39 per share
• Price / Book: 2.50

Miscellaneous

• Outstanding Shares: 143,280,000
• Free Float: 137,837,000
• Market Cap: $4.80 billion
• Optionable: Optionable
• Beta: 0.83