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First Financial Bankshares Inc (FFIN) — Analysis Summary

First Financial Bankshares Inc (FFIN) has a market cap of $4.79B with year-over-year revenue growth of +17.4%. Net margin stands at 50.6%. The stock trades at a P/E ratio of 17.8.

Key Takeaways

  • Revenue changed +17.4% year-over-year
  • Net margin of 50.6%
  • P/E ratio of 17.8

Compared to other companies in the STATE COMMERCIAL BANKS sector, FFIN posted revenue growth of +17.4% and trades at a P/E of 17.8.

[XNAS]

First Financial Bankshares Inc (FFIN)

$33.39

UPDATED — ET · MARKET DATA POLYGON · FINANCIALS SEC EDGAR

Market Cap
$4785.71M
Enterprise Value
$4522.78M
P/E Ratio
17.8
Div Yield
2.64%
EV/EBITDA
13.1
Company Profile
About
About First Financial Bankshares Inc

First Financial Bankshares Inc is a financial and bank holding company. The company operates one line of business (community banking) located in a single geographic area (Texas). The company conducts a full-service commercial banking business through its subsidiaries. The loan portfolio segments of the company include Commercial and Industrial, Municipal, Agricultural, Construction and Development, Farm, Non-Owner Occupied and Owner Occupied Commercial Real Estate, Residential, Consumer Auto and Consumer Non-Auto.

Sector

STATE COMMERCIAL BANKS

Employees

1,600

Headquarters

ABILENE, TX

Exchange

XNAS

Website
Source: Polygon.io
Score
Competitive Moat
Competitive Moat
45
Narrow Moat

Systematic competitive advantage assessment based on 4yr data

This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.

Market Signals
Valuation
Earnings
Insider Activity
Insider Filing Activity

First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.

Loading SEC insider filing activity...
Superinvestors
Financial Health
Financial Health

Capital Structure

Total Equity$1996.89M
Total Debt$21.83M
Debt-to-Equity0.01
Cash & Equivalents$284.76M

Cash Flow

Operating Cash Flow$346.72M
Free Cash Flow$325.29M
FCF Margin61.37%
P/FCF Ratio14.71
Source: Polygon.io · SEC EDGAR
Dividends
Dividends

Annual Dividend/Share

$0.88

Dividend Yield

2.64%

Quarterly
Last Ex-Date: 2026-09-14

Dividend History

2026-09-14
CD$0.2200
2026-06-12
CD$0.2200
2026-03-13
CD$0.1900
2025-12-15
CD$0.1900
Source: Polygon.io
Recent News
Recent News

Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.