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

Company Overview

First Financial Bankshares, Inc. is a Texas-based financial holding company headquartered in Abilene, Texas. Through its principal subsidiary, First Financial Bank, the company provides banking and financial services to individuals, businesses, agricultural customers and public-sector organizations. The bank traces its roots to 1890 and has grown through expansion and acquisitions into a regional banking organization serving communities across Texas.

First Financial Bank offers a range of deposit products, including checking, savings, money market and certificate of deposit accounts. Its lending activities include commercial and industrial loans, commercial real estate financing, agricultural loans, residential mortgages, construction loans and consumer credit. The bank also provides treasury management, electronic and mobile banking, debit cards and other cash-management services.

Additional services include trust and wealth management, investment-related services and insurance solutions through affiliated operations. First Financial Bankshares serves customers through a network of banking locations and digital channels throughout much of Texas, with a focus on relationship-based community banking. The company has been led by Texas banking executive F. Scott Dueser, who has served in senior leadership roles including chairman and chief executive officer.

Key Stats

• Today's Range: $29.57 to $30.42
• 50-Day Range: $29.77 to $35.28
• 52-Week Range: $28.11 to $36.52
• Volume: 1.13 million shs
• Average Volume: 1.05 million shs
• Market Capitalization: $4.27 billion
• P/E Ratio: 14.67
• Dividend Yield: 2.96%
• Price Target: $35.20
• Consensus Rating: Hold

First Financial Bankshares Stock Analysis - MarketRank™

First Financial Bankshares scored higher than 87% of companies evaluated by MarketBeat, and ranked 210th 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: 3.6 / 5
• Analyst Rating: Hold

Consensus Rating

First Financial Bankshares has received a consensus rating of Hold. The company's average rating score is 2.29, and is based on 1 strong buy rating, no buy ratings, 6 hold ratings, and no sell ratings.

Upside Potential

First Financial Bankshares has a consensus price target of $35.20, representing about 18.2% upside from its current price of $29.77.

Amount of Analyst Coverage

First Financial Bankshares has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 3.41%

Earnings Growth

Earnings for First Financial Bankshares are expected to grow by 3.41% in the coming year, from $2.05 to $2.12 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Financial Bankshares is 14.67, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 36.18.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Financial Bankshares is 14.67, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.14.

Price to Book Value per Share Ratio

First Financial Bankshares has a P/B Ratio of 2.22. 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

6.70% 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 9.87.

Change versus previous month

Short interest in First Financial Bankshares has recently increased by 2.35%, indicating that investor sentiment is decreasing.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

First Financial Bankshares pays a meaningful dividend of 2.94%, 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 43.35%. 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 41.51% next year. This indicates that First Financial Bankshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: -0.30

News Sentiment

First Financial Bankshares has a news sentiment score of -0.30. 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 lower news sentiment than the 0.60 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 12 news articles for First Financial Bankshares this week, compared to 3 articles on an average week.

Search Interest

3 people have searched for FFIN on MarketBeat in the last 30 days.

MarketBeat Follows

1 people have added First Financial Bankshares to their MarketBeat watchlist in the last 30 days.

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 10/1 Dividend: 9/14/2026
• Ex-Dividend for 10/1 Dividend: 9/14/2026
• Dividend Payable: 10/01/2026
• Last Earnings: 10/15/2026
• Today: 10/22/2026
• 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: $35.20
• High Price Target: $39.00
• Low Price Target: $33.00
• Potential Upside/Downside: +18.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.29
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.03
• Trailing P/E Ratio: 14.67
• Forward P/E Ratio: 14.52
• P/E Growth: N/A
• Net Income: $253.58 million
• Net Margins: 33.16%
• Pretax Margin: 37.83%
• Return on Equity: 14.91%
• Return on Assets: 1.89%

Debt

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

Sales & Book Value

• Annual Sales: $651.74 million
• Price / Sales: 6.55
• Cash Flow: $2.10 per share
• Price / Cash Flow: 14.16
• Book Value: $13.39 per share
• Price / Book: 2.22

Miscellaneous

• Outstanding Shares: 143,327,000
• Free Float: 137,881,000
• Market Cap: $4.27 billion
• Optionable: Optionable
• Beta: 0.82