Is FFIN a good stock to buy right now?

Based on our 6-factor quantitative model, FIRST FINANCIAL BANKSHARES INC (FFIN) receives a "Hold" rating with a composite score of 48.7/100. It is ranked #1,976 out of 4,446 stocks. Key factor scores: Quality 62/100, Value 66/100, Momentum 36/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for FFIN?

FIRST FINANCIAL BANKSHARES INC (FFIN) has a "Hold" rating and 3-star score. The composite score of 48.7 ranks it #1,976 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is FFIN in?

FIRST FINANCIAL BANKSHARES INC operates in the Financials sector (Banking industry) with a market cap of $4.28 billion. It is classified as a mid-cap stock.

Does FFIN pay a dividend?

Yes, FFIN pays a dividend with a current yield of 2.20%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $22.00 in annual dividend income.

What is FFIN's P/E ratio?

FFIN has a trailing P/E ratio of 18.56x. The Financials sector average is 14.9x. This P/E is in a moderate range relative to the broader market.

How profitable is FFIN?

FFIN's quality factor score is 62/100. Gross margin: 0.0%. ROE: 12.3% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is FFIN valued compared to peers?

FFIN's value factor score is 66/100 (higher = cheaper). Key multiples: P/E 18.6x, EV/EBITDA 15.2x. The stock appears attractively valued versus peers.

What is FFIN's debt level?

FFIN's debt-to-equity ratio is 706%. Sector average: 121%. Elevated leverage increases credit risk.

FFIN has a beta of 0.80, meaning it is less volatile than the market. Stability score: 81/100.

Does FFIN have high short interest?

FFIN's short interest factor score is 5/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

FFIN Stock Analysis: Top Mid-Cap Hold (Score 48.7/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
FFIN	-1.64%	+3.94%	+2.53%	+4.32%	-0.76%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-1.58%	+0.33%	+2.20%	+4.68%	-30.29%	-	-	-
Alpha vs Sector	-0.55%	+1.43%	+1.12%	+11.62%	-11.35%	-	-	-

Metric	FFIN	Benchmark
P/E Ratio	18.6x	+25%
EV/EBITDA	15.2x	+367%
Price / Book	2.3x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
FFIN FIRST FINANCIAL BANKSHARES INC	49	62	66	36	18.6x	12.3%	0.0%	34.7%	16.9%	706.0x	$4.3B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.7%	0.7%	0.7%	0.7%	0.7%
Operating Margin %	0.4%	0.4%	0.4%	0.5%	0.6%	0.7%	0.3%	0.3%	0.3%	0.3%	0.3%
EBITDA Margin %	0.4%	0.4%	0.4%	0.5%	0.6%	0.7%	0.6%	0.6%	0.6%	0.6%	0.6%
Net Margin %	0.3%	0.4%	0.4%	0.4%	0.5%	0.6%	0.4%	0.4%	0.4%	0.4%	0.3%
FCF Margin %	-15.4%	-	-	-	-	-	-60.8%	19.7%	-31.4%	45.9%	77.5%
ROE %	0.1%	0.1%	0.1%	0.1%	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	13.0%	12.8%	13.4%	12.8%	17.5%	12.2%	5.8%	6.2%	6.1%	6.9%	6.2%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.7%

Operating Margin %

0.4%

0.5%

0.6%

0.7%

0.3%

EBITDA Margin %

0.4%

0.5%

0.6%

0.7%

0.6%

Net Margin %

0.3%

0.4%

0.5%

0.6%

0.4%

0.3%

FCF Margin %

-15.4%

-60.8%

19.7%

-31.4%

45.9%

77.5%

ROE %

0.1%

0.2%

0.1%

ROA %

0.0%

ROIC %

13.0%

12.8%

13.4%

12.8%

17.5%

12.2%

5.8%

6.2%

6.1%

6.9%

6.2%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$680M	$702M	$629M	$528M	$433M	$376M	$490M	$398M	$375M	$328M	$312M	$291M
	—	—	—	—	—	—	$350M	$289M	$273M	$237M	$227M	$218M
Gross Margin	0.0%	---	---	---	---	---	71.4%	72.7%	72.8%	72.2%	72.7%	74.8%
	—	—	—	—	—	—	$55M	$37M	$40M	$43M	$41M	$39M
Total Operating Expenses	—	$393M	$357M	$285M	$152M	$104M	—	—	—	—	—	—
	$287M	$310M	$272M	$243M	$281M	$272M	$140M	$108M	$102M	$91M	$85M	$73M
EBIT	$287M	$310M	$272M	$243M	$281M	$272M	$140M	$108M	$102M	$91M	$85M	$73M
EBITDA	$287M	$310M	$272M	$243M	$281M	$272M	$297M	$235M	$218M	$190M	$177M	$171M
Operating Margin	42.4%	44.1%	43.2%	46.1%	64.9%	72.3%	28.6%	27.3%	27.2%	27.8%	27.3%	25.2%
EBITDA Margin	42.3%	44.1%	43.2%	46.1%	64.9%	72.3%	60.7%	59.2%	58.3%	58.1%	56.6%	58.7%
	—	$2M	$7M	$144M	$31M	$6M	$14M	$30M	$19M	$9M	$5M	$4M
	—	$310M	$272M	$243M	$281M	$272M	—	—	—	—	—	—
Income Tax Expense	—	$56M	$48M	$44M	$46M	$44M	$40M	$33M	$28M	$27M	$31M	$31M
	$236M	$254M	$224M	$199M	$234M	$228M	$202M	$165M	$151M	$120M	$105M	$100M
Net Margin	34.7%	36.1%	35.5%	37.7%	54.2%	60.5%	41.3%	41.5%	40.2%	36.7%	33.6%	34.5%
	$1.77	$1.77	$1.56	$1.39	$1.64	$1.60	$1.42	$1.22	$1.11	$0.91	$1.59	$1.55
Diluted EPS	$1.77	$1.77	$1.56	$1.39	$1.64	$1.59	$1.42	$1.22	$1.11	$0.91	$1.59	$1.55
Weighted Avg Basic	—	143M	143M	143M	143M	142M	—	—	—	—	—	—
Weighted Avg Diluted	—	143M	143M	143M	143M	143M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$680M

$702M

$629M

$528M

$433M

$376M

$490M

$398M

$375M

$328M

$312M

$291M

—

$350M

$289M

$273M

$237M

$227M

$218M

Gross Margin

0.0%

---

71.4%

72.7%

72.8%

72.2%

72.7%

74.8%

—

$55M

$37M

$40M

$43M

$41M

$39M

Total Operating Expenses

—

$393M

$357M

$285M

$152M

$104M

—

$287M

$310M

$272M

$243M

$281M

$272M

$140M

$108M

$102M

$91M

$85M

$73M

EBIT

$287M

$310M

$272M

$243M

$281M

$272M

$140M

$108M

$102M

$91M

$85M

$73M

EBITDA

$287M

$310M

$272M

$243M

$281M

$272M

$297M

$235M

$218M

$190M

$177M

$171M

Operating Margin

42.4%

44.1%

43.2%

46.1%

64.9%

72.3%

28.6%

27.3%

27.2%

27.8%

27.3%

25.2%

EBITDA Margin

42.3%

44.1%

43.2%

46.1%

64.9%

72.3%

60.7%

59.2%

58.3%

58.1%

56.6%

58.7%

—

$2M

$7M

$144M

$31M

$6M

$14M

$30M

$19M

$9M

$5M

$4M

—

$310M

$272M

$243M

$281M

$272M

—

Income Tax Expense

—

$56M

$48M

$44M

$46M

$44M

$40M

$33M

$28M

$27M

$31M

$236M

$254M

$224M

$199M

$234M

$228M

$202M

$165M

$151M

$120M

$105M

$100M

Net Margin

34.7%

36.1%

35.5%

37.7%

54.2%

60.5%

41.3%

41.5%

40.2%

36.7%

33.6%

34.5%

$1.77

$1.56

$1.39

$1.64

$1.60

$1.42

$1.22

$1.11

$0.91

$1.59

$1.55

Diluted EPS

$1.77

$1.56

$1.39

$1.64

$1.59

$1.42

$1.22

$1.11

$0.91

$1.59

$1.55

Weighted Avg Basic

—

143M

142M

—

Weighted Avg Diluted

—

143M

—

FIRST FINANCIAL BANKSHARES INC (FFIN) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does FIRST FINANCIAL BANKSHARES INC Do?

First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company accepts checking, savings and money market accounts, and time deposits; commercial and industrial, municipal, agricultural, construction and development, farm, non-owner occupied and owner-occupied commercial real estate, residential, and consumer auto and non-auto loans to businesses, professional individuals, and farm and ranch operations. It also provides drive-in and night deposit, remote deposit capture, internet and mobile banking, payroll cards, transmitting funds, and other customary commercial banking services, as well as automated teller machines and safe deposit facilities. In addition, the company offers personal trust services, including wealth management, administration of estates, testamentary trusts, revocable and irrevocable trusts, and agency accounts; and securities brokerage services, as well as administer retirements and employee benefits accounts, such as 401(k) profit-sharing plans and IRAs. Further, the company provides asset management and technology services. As of December 31, 2021, it had 78 financial centers across Texas. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas. FIRST FINANCIAL BANKSHARES INC (FFIN) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO F. Scott Dueser and employs approximately 1,500 people, headquartered in ABILENE, Texas. With a market capitalization of $4.3B, FFIN is one of the notable companies in the Financials sector.

FIRST FINANCIAL BANKSHARES INC (FFIN) Stock Rating — Hold (April 2026)

As of April 2026, FIRST FINANCIAL BANKSHARES INC receives a Hold rating with a composite score of 48.7/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.FFIN ranks #1,976 out of 4,446 stocks in our coverage universe. Within the Financials sector, FIRST FINANCIAL BANKSHARES INC ranks #563 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

FFIN Stock Price and 52-Week Range

FIRST FINANCIAL BANKSHARES INC (FFIN) currently trades at $31.19. The stock lost $0.49 (1.5%) in the most recent trading session. The 52-week high for FFIN is $38.74, which means the stock is currently trading -19.5% from its annual peak. The 52-week low is $28.52, putting the stock 9.4% above its annual trough. Recent trading volume was 140K shares, suggesting relatively thin trading activity.

Is FFIN Overvalued or Undervalued? — Valuation Analysis

FIRST FINANCIAL BANKSHARES INC (FFIN) carries a value factor score of 66/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 18.56x, compared to the Financials sector average of 14.88x — a premium of 25%. The price-to-book ratio stands at 2.28x, versus the sector average of 1.22x. The price-to-sales ratio is 6.43x, compared to 0.90x for the average Financials stock. On an enterprise value basis, FFIN trades at 15.21x EV/EBITDA, versus 3.26x for the sector.

Overall, FFIN's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

FIRST FINANCIAL BANKSHARES INC Profitability — ROE, Margins, and Quality Score

FIRST FINANCIAL BANKSHARES INC (FFIN) earns a quality factor score of 62/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 12.3%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.5% versus the sector average of 1.2%.

On a margin basis, FIRST FINANCIAL BANKSHARES INC reports gross margins of 0.0%. The operating margin is 42.4% (sector: 21.8%). Net profit margin stands at 34.7%, versus 17.7% for the average Financials stock. Revenue growth is running at 16.9% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

FFIN Debt, Balance Sheet, and Financial Health

FIRST FINANCIAL BANKSHARES INC has a debt-to-equity ratio of 706.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.14x, suggesting adequate working capital coverage. Total debt on the balance sheet is $73M. Cash and equivalents stand at $237M.

FFIN has a beta of 0.80, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for FIRST FINANCIAL BANKSHARES INC is 81/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

FIRST FINANCIAL BANKSHARES INC Revenue and Earnings History — Quarterly Trend

In TTM 2026, FIRST FINANCIAL BANKSHARES INC reported revenue of $680M and earnings per share (EPS) of $1.77. Net income for the quarter was $236M. Gross margin was 0.0%. Operating income came in at $287M.

In FY 2025, FIRST FINANCIAL BANKSHARES INC reported revenue of $702M and earnings per share (EPS) of $1.77. Net income for the quarter was $254M. Revenue grew 11.7% year-over-year compared to FY 2024. Operating income came in at $310M.

In Q3 2025, FIRST FINANCIAL BANKSHARES INC reported revenue of $180M and earnings per share (EPS) of $0.37. Net income for the quarter was $52M. Revenue grew 12.3% year-over-year compared to Q3 2024. Operating income came in at $63M.

In Q2 2025, FIRST FINANCIAL BANKSHARES INC reported revenue of $173M and earnings per share (EPS) of $0.47. Net income for the quarter was $67M. Revenue grew 12.5% year-over-year compared to Q2 2024. Operating income came in at $82M.

Over the past 8 quarters, FIRST FINANCIAL BANKSHARES INC has demonstrated a growth trajectory, with revenue expanding from $154M to $680M. Investors analyzing FFIN stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

FFIN Dividend Yield and Income Analysis

FIRST FINANCIAL BANKSHARES INC (FFIN) currently pays a dividend yield of 2.2%. At this yield, a $10,000 investment in FFIN stock would generate approximately $$220.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning FFIN yields less than the typical sector peer. With a net margin of 34.7%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

FFIN Momentum and Technical Analysis Profile

FIRST FINANCIAL BANKSHARES INC (FFIN) has a momentum factor score of 36/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 27/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 5/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

FFIN vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, FIRST FINANCIAL BANKSHARES INC (FFIN) ranks #563 out of 891 stocks based on the Blank Capital composite score. This places FFIN in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing FFIN against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full FFIN vs S&P 500 (SPY) comparison to assess how FIRST FINANCIAL BANKSHARES INC stacks up against the broader market across all factor dimensions.

FFIN Next Earnings Date

No upcoming earnings date has been announced for FIRST FINANCIAL BANKSHARES INC (FFIN) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy FFIN? — Investment Thesis Summary

FIRST FINANCIAL BANKSHARES INC presents a balanced picture with arguments on both sides. The quality score of 62/100 indicates above-average profitability and business fundamentals. The value score of 66/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 36/100, a headwind for near-term performance. Low volatility (stability score 81/100) reduces downside risk.

In summary, FIRST FINANCIAL BANKSHARES INC (FFIN) earns a Hold rating with a composite score of 48.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on FFIN stock.

Related Resources for FFIN Investors

Explore more research and tools: FFIN vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare FFIN head-to-head with peers: FFIN vs WTM, FFIN vs OPY, FFIN vs ACT.

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Intelligence Feed

Phocas Financial Corp. Acquires Shares of 117,686 First Financial Bankshares, Inc. $FFIN

First Financial Bankshares Stock: A Steady Regional Banking Play for Conservative North American Inv

First Financial Bankshares, Inc. $FFIN Shares Acquired by SG Americas Securities LLC

Insider Buying: First Financial Bankshares (NASDAQ:FFIN) Director Buys 1,000 Shares of Stock

Natixis Advisors LLC Has $14.40 Million Stock Holdings in First Financial Bankshares, Inc. $FFIN

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FIRST FINANCIAL BANKSHARES INC (FFIN) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does FIRST FINANCIAL BANKSHARES INC Do?

FIRST FINANCIAL BANKSHARES INC (FFIN) Stock Rating — Hold (April 2026)

FFIN Stock Price and 52-Week Range

Is FFIN Overvalued or Undervalued? — Valuation Analysis

FIRST FINANCIAL BANKSHARES INC Profitability — ROE, Margins, and Quality Score

FFIN Debt, Balance Sheet, and Financial Health

FIRST FINANCIAL BANKSHARES INC Revenue and Earnings History — Quarterly Trend

FFIN Dividend Yield and Income Analysis

FFIN Momentum and Technical Analysis Profile

FFIN vs Competitors — Financials Sector Ranking and Peer Comparison

FFIN Next Earnings Date

Should You Buy FFIN? — Investment Thesis Summary

Related Resources for FFIN Investors

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Phocas Financial Corp. Acquires Shares of 117,686 First Financial Bankshares, Inc. $FFIN

First Financial Bankshares Stock: A Steady Regional Banking Play for Conservative North American Inv

First Financial Bankshares, Inc. $FFIN Shares Acquired by SG Americas Securities LLC

Insider Buying: First Financial Bankshares (NASDAQ:FFIN) Director Buys 1,000 Shares of Stock

Natixis Advisors LLC Has $14.40 Million Stock Holdings in First Financial Bankshares, Inc. $FFIN