First Financial Bankshares, Inc. (FFIN)

FFIN Statistics

Total Valuation

FFIN has a market cap or net worth of $5.37 billion. The enterprise value is $4.67 billion.

Market Cap	5.37B
Enterprise Value	4.67B

Important Dates

The last earnings date was Thursday, July 17, 2025, after market close.

Earnings Date	Jul 17, 2025
Ex-Dividend Date	Jun 16, 2025

Share Statistics

FFIN has 142.12 million shares outstanding. The number of shares has increased by 0.30% in one year.

Current Share Class	142.12M
Shares Outstanding	142.12M
Shares Change (YoY)	+0.30%
Shares Change (QoQ)	-0.23%
Owned by Insiders (%)	3.79%
Owned by Institutions (%)	59.25%
Float	119.37M

Valuation Ratios

The trailing PE ratio is 21.83 and the forward PE ratio is 19.89.

PE Ratio	21.83
Forward PE	19.89
PS Ratio	9.22
Forward PS	8.08
PB Ratio	3.07
P/TBV Ratio	3.73
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	19.00
EV / Sales	8.07
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.09%.

Return on Equity (ROE)	15.09%
Return on Assets (ROA)	1.78%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$385,601
Profits Per Employee	$163,755
Employee Count	1,500
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FFIN has paid $54.59 million in taxes.

Income Tax	54.59M
Effective Tax Rate	18.18%

Stock Price Statistics

The stock price has increased by +6.69% in the last 52 weeks. The beta is 0.88, so FFIN's price volatility has been lower than the market average.

Beta (5Y)	0.88
52-Week Price Change	+6.69%
50-Day Moving Average	36.00
200-Day Moving Average	36.76
Relative Strength Index (RSI)	56.49
Average Volume (20 Days)	608,487

Short Selling Information

The latest short interest is 7.60 million, so 5.35% of the outstanding shares have been sold short.

Short Interest	7.60M
Short Previous Month	7.60M
Short % of Shares Out	5.35%
Short % of Float	6.36%
Short Ratio (days to cover)	16.43

Income Statement

In the last 12 months, FFIN had revenue of $578.40 million and earned $245.63 million in profits. Earnings per share was $1.71.

Revenue	578.40M
Gross Profit	578.40M
Operating Income	322.00M
Pretax Income	244.93M
Net Income	245.63M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.71

Balance Sheet

The company has $708.36 million in cash and $70.18 million in debt, giving a net cash position of $638.18 million or $4.49 per share.

Cash & Cash Equivalents	708.36M
Total Debt	70.18M
Net Cash	638.18M
Net Cash Per Share	$4.49
Equity (Book Value)	1.74B
Book Value Per Share	12.15
Working Capital	-11.80B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	55.67%
Pretax Margin	51.91%
Profit Margin	42.47%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.76, which amounts to a dividend yield of 2.04%.

Dividend Per Share	$0.76
Dividend Yield	2.04%
Dividend Growth (YoY)	1.39%
Years of Dividend Growth	14
Payout Ratio	42.69%
Buyback Yield	-0.30%
Shareholder Yield	1.74%
Earnings Yield	4.63%
FCF Yield	n/a

Analyst Forecast

The average price target for FFIN is $39.50, which is 4.64% higher than the current price. The consensus rating is "Hold".

Price Target	$39.50
Price Target Difference	4.64%
Analyst Consensus	Hold
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 4, 2019. It was a forward split with a ratio of 2:1.

Last Split Date	Jun 4, 2019
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2