
First Financial Bankshares, Inc.
FFINNASDAQFinancial ServicesBanks - Regional
Previous close
$34.13
−$0.10 · -0.29%
FFIN company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Hold
Wait — insufficient conviction to act
Valuation
34
Expensive
Momentum
52
Neutral
Sentiment
63
Bullish
Risk resilience
75
Moderate Risk
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
AI-generated, informational only, and not investment advice.
Company profile
Company websiteFirst Financial Bankshares, Inc. (FFIN) is a financial institution that delivers a broad array of commercial banking and financial services throughout Texas via its network of subsidiaries. Its core offerings include various deposit solutions, such as checking, savings, money market, and time deposit accounts. The company provides diverse lending options, extending credit for commercial and industrial ventures, municipal projects, agriculture, construction and development, and farm operations. It also finances both owner-occupied and non-owner-occupied commercial real estate, residential properties, and consumer needs, including vehicle and other personal loans. These services primarily cater to businesses, professional clients, and agricultural enterprises. The institution also equips its customers with contemporary banking conveniences like internet and mobile banking, remote deposit capture, payroll cards, and funds transfer capabilities. Traditional amenities such as drive-in and night deposit services, automated teller machines (ATMs), and secure safe deposit facilities are also part of its comprehensive service suite. Beyond conventional banking, First Financial Bankshares offers robust personal trust services. These encompass wealth management, estate administration, and the management of various trust structures, including testamentary, revocable, irrevocable, and agency accounts. Additionally, the company provides securities brokerage and manages a range of retirement and employee benefit plans, such as 401(k) profit-sharing plans and Individual Retirement Accounts (IRAs). Its service portfolio is further enhanced by asset management and technology services. As of December 31, 2021, FFIN operated 78 financial centers strategically located across Texas. The company, established in 1890, maintains its corporate headquarters in Abilene, Texas.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- David W. Bailey
- Listed since
- Nov 1, 1993
- Employees
- 1,550
Market position
Day range
Current $34.13
52-week range
Current $34.13
- Open
- $34.46
- Previous close
- $34.23
- Volume
- 760.47K
- 0.91× average
- Average volume
- 836.65K
- Average daily volume
- Market cap
- 4.89B USD
- Beta
- 0.83
- Market reference 1
- 50-day average
- $34.5772
- -1.29% below average
- 200-day average
- $32.2924
- +5.69% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 3.22B USD
- EV / EBITDA
- 10.06×
- Earnings yield
- 5.93%
- Free cash flow yield
- 7.19%
Profitability & efficiency
- Return on equity
- 13.23%
- Return on assets
- 1.64%
- Return on invested capital
- 13.08%
Financial health
- Current ratio
- 0.68×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 825.8M USD | 739.21M USD | 622.31M USD | 551.27M USD | 505.62M USD |
| Cost of goods sold | 232.69M USD | 216M USD | 154.89M USD | 48.87M USD | 4.9M USD |
| Gross profit | 593.11M USD | 523.22M USD | 467.42M USD | 502.4M USD | 500.72M USD |
| Selling, general, and administrative | 214.62M USD | 165.57M USD | 144.99M USD | 143.21M USD | 150.57M USD |
| Operating expenses | 283.5M USD | 251.37M USD | 224.12M USD | 221.53M USD | 228.75M USD |
| Interest income | 704.72M USD | 631.93M USD | 530.13M USD | 435.69M USD | 380.44M USD |
| Interest expense | 201.59M USD | 202.18M USD | 144.26M USD | 31.44M USD | 6.04M USD |
| Depreciation and amortization | 10.33M USD | 13.43M USD | 12.58M USD | 12.76M USD | 13.06M USD |
| Operating income | 309.61M USD | 271.85M USD | 243.3M USD | 280.87M USD | 271.97M USD |
| Net income | 253.59M USD | 223.51M USD | 198.98M USD | 234.48M USD | 227.56M USD |
Company facts updated Aug 24, 2026.
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$35.00
2.55% upsideRating distribution
16 ratingsFFIN peers
ETFs holding FFIN
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Mid-Cap ETFIJH157.38M0.12%125.92B USD0.05%$76.77+0.52%
Vanguard Morningstar Total Stock Market ETFVTI136.54M0.01%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM117.23M0.14%81.62B USD0.19%$299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB98.42M0.05%183.4B USD0.03%$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETFVBR62.48M0.09%68.3B USD0.05%$249.18+0.68%
Vanguard Extended Market ETFVXF52.73M0.05%93.7B USD0.05%$245.53+0.82%
State Street SPDR S&P Regional Banking ETFKRE33.93M0.84%4.06B USD0.35%$74.86+0.20%
State Street SPDR S&P MIDCAP 400 ETF TrustMDY32.69M0.12%26.72B USD0.23%$699.6+0.48%
iShares Core S&P Mid-Cap ETFIJH- Market value
- 157.38M
- Weight
- 0.12%
- AUM
- 125.92B USD
- Expense ratio
- 0.05%
- Price / 1D
- $76.77+0.52%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 136.54M
- Weight
- 0.01%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 117.23M
- Weight
- 0.14%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 98.42M
- Weight
- 0.05%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $304.76+0.64%
Vanguard Morningstar Small-Cap Value ETFVBR- Market value
- 62.48M
- Weight
- 0.09%
- AUM
- 68.3B USD
- Expense ratio
- 0.05%
- Price / 1D
- $249.18+0.68%
Vanguard Extended Market ETFVXF- Market value
- 52.73M
- Weight
- 0.05%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
State Street SPDR S&P Regional Banking ETFKRE- Market value
- 33.93M
- Weight
- 0.84%
- AUM
- 4.06B USD
- Expense ratio
- 0.35%
- Price / 1D
- $74.86+0.20%
State Street SPDR S&P MIDCAP 400 ETF TrustMDY- Market value
- 32.69M
- Weight
- 0.12%
- AUM
- 26.72B USD
- Expense ratio
- 0.23%
- Price / 1D
- $699.6+0.48%
Continue in GoAI
Research FFINresearch.disclaimer





