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

Company Overview

First Financial Bankshares, Inc. is a Texas-based financial holding company headquartered in Abilene. Its principal subsidiary, First Financial Bank, provides banking and financial services to individuals, businesses, agricultural customers and public-sector organizations through a network of locations across Texas.

The company offers consumer and commercial deposit accounts, business and personal loans, mortgage lending, treasury and cash-management services, and online and mobile banking. Its related services also include trust, investment and wealth-management solutions, helping customers manage borrowing, payments, savings and financial assets.

First Financial traces its history to 1890, when its banking operations began in Abilene. The company focuses primarily on communities throughout Texas and is led by F. Scott Dueser, who serves as chairman and chief executive officer.

Key Stats

• Today's Range: $32.18 to $32.47
• 50-Day Range: $31.92 to $35.52
• 52-Week Range: $28.11 to $36.52
• Volume: 110,492 shs
• Average Volume: 810,817 shs
• Market Capitalization: $4.63 billion
• P/E Ratio: 17.27
• Dividend Yield: 2.72%
• Price Target: $35.80
• Consensus Rating: Moderate Buy

First Financial Bankshares Stock Analysis - MarketRank™

First Financial Bankshares scored higher than 80% of companies evaluated by MarketBeat, and ranked 308th out of 851 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: 3.0 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

First Financial Bankshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 strong buy rating, 1 buy rating, 4 hold ratings, and no sell ratings.

Upside Potential

First Financial Bankshares has a consensus price target of $35.80, representing about 11.3% upside from its current price of $32.17.

Amount of Analyst Coverage

First Financial Bankshares has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 3.90%

Earnings Growth

Earnings for First Financial Bankshares are expected to grow by 3.90% in the coming year, from $2.05 to $2.13 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Financial Bankshares is 17.20, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.93.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Financial Bankshares is 17.20, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.96.

Price to Book Value per Share Ratio

First Financial Bankshares has a P/B Ratio of 2.40. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 0.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

6.55% 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 13.95, which indicates bearish sentiment.

Change versus previous month

Short interest in First Financial Bankshares has recently increased by 6.13%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

First Financial Bankshares pays a meaningful dividend of 2.72%, 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 47.06%. 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 41.31% next year. This indicates that First Financial Bankshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 0.99

News Sentiment

First Financial Bankshares has a news sentiment score of 0.99. 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 0.69 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for First Financial Bankshares this week, compared to 3 articles on an average week.

Company Ownership

• Score: 3.0 / 5
• Insider Trading: Selling 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.

Insider Buying vs. Insider Selling

In the past three months, First Financial Bankshares insiders have sold 308.28% more of their company's stock than they have bought. Specifically, they have bought $128,403.00 in company stock and sold $524,250.00 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 7/1 Dividend: 6/12/2026
• Ex-Dividend for 7/1 Dividend: 6/12/2026
• Dividend Payable: 7/01/2026
• Last Earnings: 7/17/2026
• Record date for 10/1 Dividend: 9/14/2026
• Ex-Dividend for 10/1 Dividend: 9/14/2026
• Today: 9/25/2026
• Dividend Payable: 10/01/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FFIN
• CIK: 36029
• Web: www.ffin.com
• Phone: (325) 627-7361
• Fax: 325-627-7393
• Employees: 1,600
• Year Founded: 1890

Price Target and Rating

• Average Price Target for First Financial Bankshares: $35.80
• High Price Target: $39.00
• Low Price Target: $34.00
• Potential Upside/Downside: +10.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.87
• Trailing P/E Ratio: 17.28
• Forward P/E Ratio: 15.76
• P/E Growth: N/A
• Net Income: $253.58 million
• Net Margins: 31.03%
• Pretax Margin: 37.83%
• Return on Equity: 14.00%
• 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: 5.56
• Cash Flow: $2.13 per share
• Price / Cash Flow: 15.16
• Book Value: $13.39 per share
• Price / Book: 2.41

Miscellaneous

• Outstanding Shares: 143,330,000
• Free Float: 137,881,000
• Market Cap: $4.63 billion
• Optionable: Optionable
• Beta: 0.81