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Upturn AI SWOT - About
FFIN 
First Financial Bankshares Inc (FFIN)
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Upturn Advisory Summary
12/04/2025: 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 12/04/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.53B USD | Price to earnings Ratio 18.7 | 1Y Target Price 36 |
Price to earnings Ratio 18.7 | 1Y Target Price 36 | ||
Volume (30-day avg) 4 | Beta 0.86 | 52 Weeks Range 29.80 - 40.99 | Updated Date 12/4/2025 |
52 Weeks Range 29.80 - 40.99 | Updated Date 12/4/2025 | ||
Dividends yield (FY) 2.34% | Basic EPS (TTM) 1.69 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 18.7 | Forward PE 24.57 | Enterprise Value 4288183296 | Price to Sales(TTM) 7.78 |
Enterprise Value 4288183296 | Price to Sales(TTM) 7.78 | ||
Enterprise Value to Revenue 7.59 | Enterprise Value to EBITDA - | Shares Outstanding 143206102 | Shares Floating 136922813 |
Shares Outstanding 143206102 | Shares Floating 136922813 | ||
Percent Insiders 3.81 | Percent Institutions 67 |
Upturn AI SWOT
First Financial Bankshares Inc
Company Overview
History and Background
First Financial Bankshares, Inc. was founded in 1984 and is headquartered in Abilene, Texas. It has grown through strategic acquisitions and organic expansion, focusing on community banking services.
Core Business Areas
- Commercial Banking: Offers lending, deposit, and treasury management services to businesses.
- Retail Banking: Provides a range of personal banking products and services, including checking accounts, savings accounts, loans, and mortgages.
- Wealth Management: Offers wealth management, trust, and investment services.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is based on regional banking operations supported by corporate functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment, and real estate. FFIN's market share in Texas is approximately 1.5%. Competitors include larger regional and national banks.
- Mortgage Loans: Residential mortgage loans for home purchases and refinancing. The total revenue from mortgage loans is not publicly broken out. Competitors include mortgage lenders, credit unions, and larger banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. FFIN has a sizable deposit market share in the Texas regions it services, but this is not broken out publicly. Competitors include national banks such as JP Morgan Chase, Bank of America, and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, influenced by economic conditions, interest rates, and technological advancements. Consolidation is a continuing trend.
Positioning
First Financial Bankshares Inc. is a regional bank focused on community banking relationships. It has a reputation for strong customer service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in Texas is estimated at several billion dollars. FFIN is well-positioned to capture a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Solid asset quality
- High dividend yield compared to peers
- Geographic presence in growing Texas markets
Weaknesses
- Limited geographic diversification compared to larger banks
- Dependence on the Texas economy
- Smaller scale may limit investments in technology
- Efficiency ratio is not industry leading
Opportunities
- Expanding into new Texas markets
- Increasing penetration of wealth management services
- Acquiring smaller community banks
- Leveraging technology to improve efficiency and customer experience
Threats
- Economic downturn in Texas
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Regulatory changes
Competitors and Market Share
Key Competitors
- CMA
- BOH
- HBAN
- KEY
- RF
Competitive Landscape
First Financial Bankshares Inc. competes with larger regional and national banks, as well as smaller community banks. Its competitive advantage lies in its strong customer relationships and local expertise.
Major Acquisitions
Lone Star State Bancshares, Inc.
- Year: 2017
- Acquisition Price (USD millions): 126.1
- Strategic Rationale: Expanding its presence in the Dallas/Fort Worth market.
Growth Trajectory and Initiatives
Historical Growth: First Financial Bankshares Inc. has grown steadily through organic expansion and acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion and higher interest rates.
Recent Initiatives: Recent initiatives include expanding into new markets and investing in technology.
Summary
First Financial Bankshares is a well-managed regional bank with a solid history of growth and profitability. Its strong customer relationships and local expertise are key advantages. However, its dependence on the Texas economy and limited geographic diversification are potential weaknesses. FFIN needs to diversify itself further outside the state of Texas to grow even further.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports
- FactSet
- FDIC
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share figures are estimates based on available data.
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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