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Upturn AI Summary - About
First Financial Bankshares Inc(FFIN)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FFIN
10/19/2026: FFIN (1-star) is currently NOT-A-BUY. Pass it for now.
First Financial Bankshares is a well-regarded regional financial holding company primarily focused on the Texas market. It is known for its conservative lending standards, strong asset quality, and a unique decentralized operating structure that combines local community banking with holding-company efficiency. The primary growth opportunity lies in its ability to continue expanding across the dynamic Texas economy through selective acquisitions and improved digital capabilities. Risks include a heavy reliance on the regional Texas economy and intense competition from larger financial institutions. The stock is a strong fit for income-oriented investors, while its consistent, though steady, growth profile makes it a stable long-term play.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers steady, sustainable growth rather than rapid, disruptive expansion. |
| Momentum investor | Weak fit | The stock tends to track steady financial performance rather than exhibiting high-velocity price momentum. |
| Value investor | Mixed fit | While quality is high, valuation often commands a premium that may limit bargain-hunting opportunities. |
| Dividend investor | Strong fit | The long-term history of consistent dividend growth makes it an attractive income play. |
| Low-risk investor | Strong fit | The conservative management and strong balance sheet appeal to risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate fluctuations and broader economic cycles. |
| Valuation risk | Medium | Investors may pay a premium for its consistent performance, impacting entry price. |
| Competition risk (Banking) | High | Intense competition for deposits and loans from national and regional banks remains a constant pressure. |
| Business quality | Strong | The company's long-standing operational model and asset quality reflect high internal standards. |
| Dividend income | Low | The risk to dividend income is low given the historical track record and stable payout ratios. |
| Execution risk | Medium | Maintaining the decentralized bank culture while scaling digital operations requires effective management. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -11.38% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/19/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.37B USD | Price to earnings Ratio 16.29 | 1Y Target Price 35.43 |
Price to earnings Ratio 16.29 | 1Y Target Price 35.43 | ||
Volume (30-day avg) 974.7K shares | Beta 0.83 | 52 Weeks Range 27.75 - 36.28 | Updated Date 10/18/2026 |
52 Weeks Range 27.75 - 36.28 | Updated Date 10/18/2026 | ||
Dividends yield (FY) 2.60% | Basic EPS (TTM) 1.87 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and consumer loans minus interest paid on deposits. | The primary way the bank profits from the spread between lending and borrowing costs. |
| Non-Interest Income | Trust fees, service charges on deposit accounts, and wealth management commissions. | Provides secondary income that helps diversify revenue away from interest rate cycles. |
| Geography: Texas | Concentrated retail and commercial banking presence throughout the state. | The company's health is intrinsically tied to the economic growth of the Texas market. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-15 | When After Market | Estimate 0.52 | Actual 0.52 |
Profitability
Profit Margin 43.28% | Operating Margin (TTM) 56.87% |
Management Effectiveness
Return on Assets (TTM) 1.94% | Return on Equity (TTM) 15.89% |
Valuation
Trailing PE 16.29 | Forward PE 24.57 | Enterprise Value 3.96B | Price to Sales(TTM) 6.49 |
Enterprise Value 3.96B | Price to Sales(TTM) 6.49 | ||
Enterprise Value to Revenue 7.06 | Enterprise Value to EBITDA - | Shares Outstanding 143.33M | Shares Floating 137.81M |
Shares Outstanding 143.33M | Shares Floating 137.81M | ||
Percent Insiders 3.62 | Percent Institutions 72.21 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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