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First Financial Bankshares Inc (FFIN)

Upturn stock ratingUpturn stock rating
$35.18
Last Close (24-hour delay)
Profit since last BUY-1.35%
upturn advisory
Consider higher Upturn Star rating
BUY since 13 days
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Upturn Advisory Summary

06/02/2025: FFIN (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

ratingratingratingratingrating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

4 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Year Target Price $36.75

Year Target Price $36.75

Analyst’s Price TargetsFor last 52 week
$36.75Target price
Low$27.79
Current$35.18
high$44

Analysis of Past Performance

Type Stock
Historic Profit -3.26%
Avg. Invested days 40
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/02/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 5.17B USD
Price to earnings Ratio 22.31
1Y Target Price 36.75
Price to earnings Ratio 22.31
1Y Target Price 36.75
Volume (30-day avg) -
Beta 0.89
52 Weeks Range 27.79 - 44.00
Updated Date 06/30/2025
52 Weeks Range 27.79 - 44.00
Updated Date 06/30/2025
Dividends yield (FY) 2.10%
Basic EPS (TTM) 1.62

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 41.81%
Operating Margin (TTM) 55.37%

Management Effectiveness

Return on Assets (TTM) 1.68%
Return on Equity (TTM) 14.6%

Valuation

Trailing PE 22.31
Forward PE 24.57
Enterprise Value 4957985792
Price to Sales(TTM) 9.34
Enterprise Value 4957985792
Price to Sales(TTM) 9.34
Enterprise Value to Revenue 9.34
Enterprise Value to EBITDA -
Shares Outstanding 143050000
Shares Floating 119366817
Shares Outstanding 143050000
Shares Floating 119366817
Percent Insiders 3.8
Percent Institutions 77.4

Analyst Ratings

Rating 3
Target Price 36.75
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold 4
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

First Financial Bankshares Inc

stock logo

Company Overview

overview logo History and Background

First Financial Bankshares, Inc. was founded in 1984 and is headquartered in Abilene, Texas. It has grown through acquisitions and organic expansion to become a leading financial institution in Texas.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of commercial banking products and services to businesses, including loans, deposit accounts, and cash management services.
  • Retail Banking: Provides retail banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
  • Wealth Management: Offers wealth management and trust services to individuals and families.

leadership logo Leadership and Structure

The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a regional bank holding company, with various divisions reporting to senior management.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial loans represent a significant portion of First Financial Bankshares' portfolio. Market share data is not readily available as commercial lending is highly fragmented. Competitors include other regional banks and national banks such as JPMorgan Chase & Co (JPM), Bank of America Corp (BAC), and Wells Fargo & Co (WFC).
  • market_share:
  • Retail Deposits: First Financial Bankshares gathers retail deposits through its branch network. Market share data in specific Texas markets is not easily accessible, but competition comes from local credit unions and other regional and national banks, such as Prosperity Bancshares, Inc (PB), and Texas Capital Bancshares, Inc (TCBI).
  • market_share:
  • Mortgage Lending: First Financial Bankshares provides mortgage lending services. Market share varies by region, with competitors including major mortgage lenders such as Rocket Companies, Inc. (RKT) and UWM Holdings Corporation (UWMC)
  • market_share:

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increased competition from fintech companies. Economic conditions also play a significant role in the performance of banks.

Positioning

First Financial Bankshares is positioned as a strong regional bank with a focus on relationship banking and community involvement. Its competitive advantages include its strong local presence and customer service.

Total Addressable Market (TAM)

The TAM for banking services in Texas is estimated to be in the billions of dollars. First Financial Bankshares is positioned to capture a portion of this market through its branch network and online services.

Upturn SWOT Analysis

Strengths

  • Strong capital base
  • Experienced management team
  • Strong local presence in Texas
  • Commitment to customer service

Weaknesses

  • Geographic concentration in Texas
  • Limited international presence
  • Reliance on traditional banking model

Opportunities

  • Expansion into new markets within Texas
  • Increased adoption of digital banking services
  • Acquisition of smaller banks
  • Growth in wealth management services

Threats

  • Economic downturn in Texas
  • Increased competition from larger banks and fintech companies
  • Rising interest rates
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • PB
  • TCBI
  • CMA

Competitive Landscape

First Financial Bankshares competes with other regional and national banks, as well as credit unions and fintech companies. Its advantages include its local presence and customer service.

Growth Trajectory and Initiatives

Historical Growth: First Financial Bankshares has experienced steady growth through acquisitions and organic expansion.

Future Projections: Future growth projections require analyst estimates which are not currently available.

Recent Initiatives: Recent initiatives may include branch expansion, technology upgrades, and new product offerings.

Summary

First Financial Bankshares is a solid regional bank with a strong presence in Texas. Its focus on relationship banking and community involvement is a key strength. However, its geographic concentration and reliance on traditional banking models pose challenges. The company should continue to invest in digital banking and explore expansion opportunities.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Financial news sources
  • Industry reports

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1400

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.