First Financial Bankshares, Inc. logo

First Financial Bankshares, Inc.

FFIN

NASDAQFinancial ServicesBanks - Regional

Previous close

$34.13

−$0.10 · -0.29%

Aug 21, 4:00 PM ET

FFIN company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

34

Expensive

Momentum

52

Neutral

Sentiment

63

Bullish

Risk resilience

75

Moderate Risk

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Company profile

Company website

First 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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%78%51%23%Gross margin, FY2021: 99.03%Gross margin, FY2022: 91.14%Gross margin, FY2023: 75.11%Gross margin, FY2024: 70.78%Gross margin, FY2025: 71.82%Operating margin, FY2021: 53.79%Operating margin, FY2022: 50.95%Operating margin, FY2023: 39.10%Operating margin, FY2024: 36.78%Operating margin, FY2025: 37.49%Net margin, FY2021: 45.01%Net margin, FY2022: 42.53%Net margin, FY2023: 31.97%Net margin, FY2024: 30.24%Net margin, FY2025: 30.71%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 99.03%. Gross margin FY2022 91.14%. Gross margin FY2023 75.11%. Gross margin FY2024 70.78%. Gross margin FY2025 71.82%. Operating margin FY2021 53.79%. Operating margin FY2022 50.95%. Operating margin FY2023 39.10%. Operating margin FY2024 36.78%. Operating margin FY2025 37.49%. Net margin FY2021 45.01%. Net margin FY2022 42.53%. Net margin FY2023 31.97%. Net margin FY2024 30.24%. Net margin FY2025 30.71%.

Income trends

Revenue

825.8M USD+11.71%

Operating income

309.61M USD+13.89%

Net income

253.59M USD+13.46%
Income trends across reported periods888.48M USD637.75M USD387.02M USD136.29M USDRevenue, FY2021: 505.62M USDRevenue, FY2022: 551.27M USDRevenue, FY2023: 622.31M USDRevenue, FY2024: 739.21M USDRevenue, FY2025: 825.8M USDOperating income, FY2021: 271.97M USDOperating income, FY2022: 280.87M USDOperating income, FY2023: 243.3M USDOperating income, FY2024: 271.85M USDOperating income, FY2025: 309.61M USDNet income, FY2021: 227.56M USDNet income, FY2022: 234.48M USDNet income, FY2023: 198.98M USDNet income, FY2024: 223.51M USDNet income, FY2025: 253.59M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 505.62M USD. Revenue FY2022 551.27M USD. Revenue FY2023 622.31M USD. Revenue FY2024 739.21M USD. Revenue FY2025 825.8M USD. Operating income FY2021 271.97M USD. Operating income FY2022 280.87M USD. Operating income FY2023 243.3M USD. Operating income FY2024 271.85M USD. Operating income FY2025 309.61M USD. Net income FY2021 227.56M USD. Net income FY2022 234.48M USD. Net income FY2023 198.98M USD. Net income FY2024 223.51M USD. Net income FY2025 253.59M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue825.8M USD739.21M USD622.31M USD551.27M USD505.62M USD
Cost of goods sold232.69M USD216M USD154.89M USD48.87M USD4.9M USD
Gross profit593.11M USD523.22M USD467.42M USD502.4M USD500.72M USD
Selling, general, and administrative214.62M USD165.57M USD144.99M USD143.21M USD150.57M USD
Operating expenses283.5M USD251.37M USD224.12M USD221.53M USD228.75M USD
Interest income704.72M USD631.93M USD530.13M USD435.69M USD380.44M USD
Interest expense201.59M USD202.18M USD144.26M USD31.44M USD6.04M USD
Depreciation and amortization10.33M USD13.43M USD12.58M USD12.76M USD13.06M USD
Operating income309.61M USD271.85M USD243.3M USD280.87M USD271.97M USD
Net income253.59M USD223.51M USD198.98M USD234.48M USD227.56M 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% upside
Past 12 months12-month forecastHigh $35.00Average $35.00Low $35.00

Rating distribution

16 ratings
Strong buy00%
Buy00%
Hold1275%
Sell425%
Strong sell00%

FFIN peers

ETFs holding FFIN

Funds reporting this stock among their holdings, ordered by reported position size.

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