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Upturn AI SWOT - About
FFIN 
First Financial Bankshares Inc (FFIN)
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Upturn Advisory Summary
08/14/2025: 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 $39
1 Year Target Price $39
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.81% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.18B USD | Price to earnings Ratio 21.3 | 1Y Target Price 39 |
Price to earnings Ratio 21.3 | 1Y Target Price 39 | ||
Volume (30-day avg) 4 | Beta 0.88 | 52 Weeks Range 30.42 - 44.00 | Updated Date 08/15/2025 |
52 Weeks Range 30.42 - 44.00 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.03% | Basic EPS (TTM) 1.71 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-07-17 | When After Market | Estimate 0.44 | Actual 0.47 |
Profitability
Profit Margin 42.47% | Operating Margin (TTM) 56.97% |
Management Effectiveness
Return on Assets (TTM) 1.78% | Return on Equity (TTM) 15.09% |
Valuation
Trailing PE 21.3 | Forward PE 24.57 | Enterprise Value 4951597568 | Price to Sales(TTM) 8.95 |
Enterprise Value 4951597568 | Price to Sales(TTM) 8.95 | ||
Enterprise Value to Revenue 9 | Enterprise Value to EBITDA - | Shares Outstanding 142174000 | Shares Floating 119514375 |
Shares Outstanding 142174000 | Shares Floating 119514375 | ||
Percent Insiders 3.8 | Percent Institutions 79.36 |
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 a combination of organic expansion and strategic acquisitions, primarily in Texas.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and cash management services to businesses.
- Retail Banking: Offers personal banking services, including checking and savings accounts, loans, and mortgages, to individual customers.
- Wealth Management: Provides investment management, trust, and financial planning services to individuals and families.
Leadership and Structure
F. Scott Dueser serves as the Chairman, President, and CEO. The organizational structure includes various executive vice presidents overseeing different business segments and support functions. Operates through multiple community bank regions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offerings include term loans, lines of credit, and commercial real estate loans. Market share data varies regionally, but First Financial Bankshares Inc. focuses on building strong relationships with local businesses. Competitors include larger national banks and regional banks such as Texas Capital Bancshares and Prosperity Bancshares.
- Deposit Accounts: Provide a variety of checking, savings, and money market accounts. Market share is concentrated in Texas. Competitors include Wells Fargo, Bank of America, and regional players.
- Mortgage Lending: Offers mortgage products for home purchases and refinances. Competitors include Rocket Mortgage, United Shore Financial Services and major National Banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Increased consolidation and fintech innovation are shaping the landscape.
Positioning
First Financial Bankshares Inc. positions itself as a community-focused bank with strong customer relationships and a conservative lending approach. Its competitive advantage lies in its local market expertise and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Texas is substantial, estimated in the billions of dollars annually. First Financial Bankshares Inc. captures a portion of this TAM through its community-focused strategy. No exact TAM reported.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Conservative credit culture
- Experienced management team
- Strong Texas market presence
- High customer satisfaction
Weaknesses
- Limited geographic diversification
- Dependence on Texas economy
- Smaller scale compared to national banks
- Potential for higher operating expense
Opportunities
- Expansion into new Texas markets
- Increased digital banking adoption
- Acquisition of smaller banks
- Growth in wealth management services
- Increased commercial lending driven by growth in Texas
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in Texas
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- HBAN
- TCBI
- PB
- CMA
Competitive Landscape
First Financial Bankshares Inc. competes with larger national banks and regional players. Its advantage lies in its community focus and strong customer relationships.
Major Acquisitions
Lone Star State Bancshares, Inc.
- Year: 2017
- Acquisition Price (USD millions): 347.9
- Strategic Rationale: Expanded the footprint of FFIN into the Dallas - Fort Worth MSA.
Growth Trajectory and Initiatives
Historical Growth: First Financial Bankshares Inc. has experienced steady growth through organic expansion and acquisitions.
Future Projections: Analyst estimates suggest continued growth, driven by Texas's strong economy and First Financial Bankshares Inc.'s market position.
Recent Initiatives: Focus on growing market share within existing footprint, increasing digital offerings and enhancing customer experience.
Summary
First Financial Bankshares Inc. is a stable and well-managed bank with a strong presence in Texas. The company's conservative lending approach and focus on customer relationships have contributed to its success. However, its geographic concentration makes it vulnerable to the Texas economy and increased competition. While it is financially strong, it needs to diversify its market share outside of Texas.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice.
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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