First Financial Bankshares, Inc. (FFIN)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 478 | 500 | 520 | 478 | 537 | 624 | 662 | - |
| Operating profit | $m | 310 | 328 | ||||||
| Net profit | $m | 202 | 228 | 234 | 199 | 224 | 254 | 269 | 294 |
| EPS reported | $ | 1.77 | 1.87 | ||||||
| Operating cashflow per share | $ | 2.24 | 2.40 | ||||||
| Capex per share | $ | 0.09 | 0.15 | ||||||
| FCF per share | $ | 2.15 | 2.25 | ||||||
| Free cash flow | $m | 307 | 322 | ||||||
| Net debt | $m | -1,056 | -209 | ||||||
| Book value equity | $m | 1,917 | 1,997 | ||||||
| Book value per share | $ | 13.36 | 13.90 | ||||||
| Number of shares | m | 143.47 | 143.7 | ||||||
| DPS (TTM paid) | $ | 0.75 | 0.82 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 16.88 | 17.35 | ||||||
| P/B LTM | x | 2.23 | 2.14 | ||||||
| P/S LTM | x | 6.85 | 6.46 | ||||||
| P/FCF LTM | x | 13.92 | 13.27 | ||||||
| EV/EBITDA LTM | x | 10.06 | 9.59 | ||||||
| EV/Sales LTM | x | 3.90 | 5.61 | ||||||
| Earnings Yield LTM | % | +5.92% | +5.76% | ||||||
| FCF Yield | % | +7.19% | +7.54% | ||||||
| Quality | |||||||||
| ROE | % | +13.23% | +14.00% | ||||||
| ROIC | % | +13.08% | +12.52% | ||||||
| Operating margin | % | +37.49% | +38.00% | ||||||
| Gross margin | % | +71.82% | +73.09% | ||||||
| FCF/Sales | % | +37.19% | +37.33% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +13.46% | +19.87% | ||||||
| Sales Growth YoY | % | +16.23% | +23.25% | ||||||
| Net Income Growth YoY | % | +13.46% | +20.36% | ||||||
| FCF Growth | % | +4.86% | +10.00% | ||||||
| Operating Profit Growth | % | +13.89% | +20.66% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.48% | +2.24% | ||||||
| Dividend Growth | % | +4.17% | +13.89% | ||||||
| Payout Ratio | % | +41.74% | +40.58% | ||||||
| FCF/Debt | x | 14.17 | 4.27 | ||||||
| Net Debt/EBITDA | x | -3.30 | -0.62 | ||||||
| EBIT/Net interest | x | 1.54 | 1.63 | ||||||
| Net debt/market cap | % | +0.51% | +1.49% | ||||||
| Net debt/Equity | x | -0.55 | -0.10 | ||||||
| Gross debt/equity | x | 0.01 | 0.04 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Financial Bankshares, Inc. (FFIN)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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