First Financial Bankshares, Inc.(FFIN) Stock Research - Grey Stern Research

First Financial Bankshares, Inc. (FFIN) Stock Analysis

$36.29 (-0.98%)

FFIN Financial Performance


Use the table below to view First Financial Bankshares, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q4 - 2024

Metric Value Ranking among Peers
Price $36.29 -
52 Week Low $27.62 -
52 Week High $44.66 -
Market Cap $5.2 Billion 4/20
Gross Margin 100% 1/20
Profit Margin 43% 3/20
EBITDA margin 0% 2/20
Q4 - 2024 Revenue $143.6 Million 8/20
Q4 - 2024 Earnings $62.3 Million 6/20
Q4 - 2024 Free Cash Flow $79.7 Million 2/20
Trailing 4 Quarters Revenue $699.5 Million 8/20
Trailing 4 Quarters Earnings $223.5 Million 7/20
Quarterly Earnings Growth 36% 6/20
Annual Earnings Growth 15% 4/20
Quarterly Revenue Growth 0% 6/20
Annual Revenue Growth 91% 2/20
Cash On Hand $763.4 Million 5/20
Short Term Debt $0 4/20
Long Term Debt $121.1 Million 11/20

First Financial Bankshares, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare First Financial Bankshares, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 23.21 1/20
PS 7.42 2/20
PB 3.23 1/20
PC 6.80 6/20
Liabilities to Equity 7.70 12/20
ROA 0.02 1/20
ROE 0.14 3/20
Current Ratio 1.13 8/20
Quick Ratio 0.09 14/20
Long Term Debt to Equity 0.08 11/20
Debt to Equity 0.08 12/20
Burn Rate -13.28 11/20
Cash to Cap 0.15 15/20
CCR 1.28 7/20
EV to EBITDA -1.00 2/20
EV to Revenue -1.00 2/20

Company Details

First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company accepts checking, savings and money market accounts, and time deposits; commercial and industrial, municipal, agricultural, construction and development, farm, non-owner occupied and owner-occupied commercial real estate, residential, and consumer auto and non-auto loans to businesses, professional individuals, and farm and ranch operations. It also provides drive-in and night deposit, remote deposit capture, internet and mobile banking, payroll cards, transmitting funds, and other customary commercial banking services, as well as automated teller machines and safe deposit facilities. In addition, the company offers personal trust services, including wealth management, administration of estates, testamentary trusts, revocable and irrevocable trusts, and agency accounts; and securities brokerage services, as well as administer retirements and employee benefits accounts, such as 401(k) profit-sharing plans and IRAs. Further, the company provides asset management and technology services. As of December 31, 2021, it had 78 financial centers across Texas. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

CEO: Mr. F. Scott Dueser

Website: https://www.ffin.com

Address: 400 Pine St, PO Box 701 Abilene, TEXAS

Exchange: NASDAQ Global Select

Industry: Banks—Regional

First Financial Bankshares, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to First Financial Bankshares, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Commerce Bancshares, Inc. CBSH $8.3 Billion
National Bank Holdings Corporation NBHC $1.5 Billion
UMB Financial Corporation UMBF $7.4 Billion
First Financial Bancorp. FFBC $2.4 Billion
BOK Financial Corporation BOKF $6.8 Billion
Independent Bank Group, Inc. IBTX $2.5 Billion
CVB Financial Corp. CVBF $2.6 Billion
Great Southern Bancorp, Inc. GSBC $671.1 Million
First Merchants Corporation FRME $2.4 Billion
First Bancorp FBNC $1.7 Billion
First Interstate BancSystem, Inc. FIBK $3.0 Billion
Independent Bank Corporation IBCP $661.5 Million
The First Bancshares, Inc. FBMS $1.1 Billion
BancFirst Corporation BANF $3.7 Billion
Auburn National Bancorporation, Inc. AUBN $75.6 Million
Eagle Bancorp Montana, Inc. EBMT $134.6 Million
First Guaranty Bancshares, Inc. FGBI $96.9 Million
Home Bancorp, Inc. HBCP $374.6 Million
Business First Bancshares, Inc. BFST $749.7 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
FFIN Income Statements
Quarter Year Revenue Earnings
Q4 2024 $ 143.6 Million $62.3 Million
Q3 2024 $ 192.1 Million $55.3 Million
Q2 2024 $ 184.9 Million $52.5 Million
Q1 2024 $ 178.9 Million $53.4 Million
Q4 2023 $ 0 $46.0 Million
Q3 2023 $ 122.2 Million $49.6 Million
Q2 2023 $ 122.6 Million $50.9 Million
Q1 2023 $ 121.1 Million $52.6 Million

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FFIN Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q4 2024 $763.4 Million $14.0 Billion $121.1 Million $1.6 Billion
Q3 2024 $0 $13.6 Billion $89.0 Million $1.7 Billion
Q2 2024 $263.3 Million $13.2 Billion $162.7 Million $1.5 Billion
Q1 2024 $234.8 Million $13.2 Billion $334.1 Million $1.5 Billion
Q4 2023 $145.8 Million $11.9 Billion $0 $12.8 Billion
Q3 2023 $388.3 Million $12.8 Billion $751.5 Million $1.2 Billion
Q2 2023 $278.9 Million $12.8 Billion $587.7 Million $1.4 Billion
Q1 2023 $446.2 Million $13.0 Billion $632.9 Million $1.4 Billion

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FFIN Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q4 2024 $79.7 Million -$4.8 Million $179.7 Million
Q3 2024 $84.3 Million $8.9 Million $214.3 Million
Q2 2024 $67.3 Million -$5.0 Million -$230.8 Million
Q1 2024 $0 $0 $0
Q4 2023 -$6.2 Million $0 -$6.2 Million
Q3 2023 $3.5 Million $0 $3.5 Million
Q2 2023 $54.5 Million -$2.6 Million -$167.4 Million
Q1 2023 $89.5 Million -$6.3 Million $115.5 Million

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