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Upturn AI SWOT - About
FFIN 
First Financial Bankshares Inc (FFIN)
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Upturn Advisory Summary
10/31/2025: FFIN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $36
1 Year Target Price $36
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.66% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.39B USD | Price to earnings Ratio 18.28 | 1Y Target Price 36 |
Price to earnings Ratio 18.28 | 1Y Target Price 36 | ||
Volume (30-day avg) 4 | Beta 0.86 | 52 Weeks Range 30.19 - 43.77 | Updated Date 11/1/2025 |
52 Weeks Range 30.19 - 43.77 | Updated Date 11/1/2025 | ||
Dividends yield (FY) 2.41% | Basic EPS (TTM) 1.69 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.47 | Actual 0.36 |
Profitability
Profit Margin 41.69% | Operating Margin (TTM) 50.55% |
Management Effectiveness
Return on Assets (TTM) 1.71% | Return on Equity (TTM) 13.89% |
Valuation
Trailing PE 18.28 | Forward PE 24.57 | Enterprise Value 3842326272 | Price to Sales(TTM) 7.55 |
Enterprise Value 3842326272 | Price to Sales(TTM) 7.55 | ||
Enterprise Value to Revenue 8.25 | Enterprise Value to EBITDA - | Shares Outstanding 142258269 | Shares Floating 137721605 |
Shares Outstanding 142258269 | Shares Floating 137721605 | ||
Percent Insiders 3.81 | Percent Institutions 66.3 |
Upturn AI SWOT
First Financial Bankshares Inc
Company Overview
History and Background
First Financial Bankshares, Inc. was founded in 1983 in Abilene, Texas. It has grown through acquisitions and organic expansion, becoming a leading regional bank in Texas. Initially focused on community banking, it has broadened its services and geographic reach over the years.
Core Business Areas
- Commercial Banking: Offers commercial loans, treasury management, and other banking services to businesses.
- Retail Banking: Provides deposit accounts, consumer loans, and other services to individuals.
- Trust and Asset Management: Offers trust administration, investment management, and financial planning services.
- Mortgage Banking: Provides residential mortgage loans.
Leadership and Structure
The leadership team is headed by the Chairman, President, and CEO. The organizational structure is typical of a bank holding company, with various departments and regional divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment purchases, and real estate. Market share information is difficult to pinpoint precisely at this level of granularity, but competition includes regional and national banks like JPMorgan Chase (JPM), Bank of America (BAC) and Prosperity Bancshares (PB).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share varies by region. Competitors include Wells Fargo (WFC), Citibank (C) and local credit unions.
- Trust and Investment Management: Management of assets for individuals and institutions. Regional trust companies and national firms like Fidelity and Vanguard are major competitors.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Consolidation is also a significant trend.
Positioning
First Financial Bankshares Inc positions itself as a relationship-focused community bank with a strong presence in Texas. Its competitive advantages include its deep roots in the community and its focus on customer service.
Total Addressable Market (TAM)
The TAM for banking services in Texas is estimated to be in the hundreds of billions of dollars annually. FFIN is well positioned to capitalize on the TAM given its strong regional presence.
Upturn SWOT Analysis
Strengths
- Strong Texas market presence
- Relationship-focused approach
- Experienced management team
- Solid asset quality
- Consistent profitability
Weaknesses
- Geographic concentration in Texas
- Limited international presence
- Smaller scale compared to national banks
- Dependence on net interest income
Opportunities
- Expansion into new Texas markets
- Acquisition of smaller banks
- Growth in wealth management business
- Increased adoption of digital banking technologies
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in Texas
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Prosperity Bancshares (PB)
- Comerica Incorporated (CMA)
- Texas Capital Bancshares (TCBI)
Competitive Landscape
FFIN competes with larger national banks and smaller regional players. Its advantage lies in its local expertise and customer relationships. Disadvantages may include lower brand recognition outside of Texas and smaller capital base.
Major Acquisitions
The Bank of San Antonio
- Year: 2018
- Acquisition Price (USD millions): 146.3
- Strategic Rationale: Expanded FFIN's presence in the San Antonio market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future projections would depend on analyst estimates and the company's strategic plans.
Recent Initiatives: Recent initiatives require access to the latest press releases and company announcements.
Summary
First Financial Bankshares Inc. is a well-managed regional bank with a strong Texas presence and a relationship-focused approach. Its consistent profitability and solid asset quality are positives. The company should focus on expanding its digital capabilities and diversifying its geographic reach to mitigate risks associated with concentration in the Texas market and increased competition.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data are estimates and may vary depending on the source and methodology.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Financial Bankshares Inc
Exchange NASDAQ | Headquaters Abilene, TX, United States | ||
IPO Launch date 1993-11-01 | Chairman & CEO Mr. F. Scott Dueser | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1400 | Website https://www.ffin.com |
Full time employees 1400 | Website https://www.ffin.com | ||
First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service. It also provides personal trust services, such as wealth management; administration of estates, oil and gas management; farm and ranch; property management; testamentary trusts; revocable and irrevocable trusts; and agency accounts. In addition, the company offers commercial and industrial; municipal; agricultural; construction and development; farm; residential; consumer auto and non-auto; and non-owner occupied and owner occupied commercial real estate loans. Further, it provides advice and specialized services related to lending, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.
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