First Financial Bankshares Inc (FFIN) stock
FFINNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 15/303% below fair value
$30.26−0.08 (-0.26%)
Close on Nov 12, 2026Market cap $4.34BP/E 14.9Yield 2.48%
First Financial Bankshares statistics
87 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 22, 2027 (estimated, after the close)
- Last ex-dividend date
- Sep 14, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 2.37
- 1.52
- P/OCF Ratio
- 12.28
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 5.73
- 2.95
- EV / FCF
- 11.85
- 8.51
Share statisticsIndustry
- Float
- 139M
- 17M
- Shares Held by Insiders
- 3.33%
- 6.05%
- Shares Held by Institutions
- 65.6%
- 61.3%
Short sellingIndustry
- Short Interest
- 9M
- –
- Short Interest Change
- -5.60%
- -4.13%
- Short % of Float
- 6.30%
- 3.58%
- Short % of Shares Outstanding
- 6.09%
- 3.18%
- Days to Cover
- 6.85
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $36.52
- –
- 52-Week Low
- $28.11
- –
- 20-Day Moving Average
- $30.48
- –
- 50-Day Moving Average
- $31.54
- –
- 200-Day Moving Average
- $32.42
- –
- Average True Range (14)
- $0.76
- –
- Price Change (1 Week)
- -1.37%
- 0.47%
- Price Change (1 Month)
- -2.04%
- 4.83%
- Price Change (3 Months)
- -14.2%
- -3.58%
- Price Change (6 Months)
- -3.63%
- 10.8%
- Price Change (YTD)
- 1.31%
- 19.6%
- Price Change (1 Year)
- -3.75%
- 25.4%
- Price Change (3 Years)
- 21.7%
- 76.7%
- Price Change (5 Years)
- -44.4%
- 26.5%
- Price Change (10 Years)
- 39.8%
- 67.0%
- Average Volume (10 Days)
- 878,541
- –
- Average Volume (20 Days)
- 1M
- –
- Average Volume (90 Days)
- 842,341
- –
- Relative Volume
- 0.74
- 0.66
- Relative Strength Index (14)
- 42.7
- 52.6
- Volatility (1 Year)
- 23.4%
- 24.4%
- Beta (5 Years)
- 0.74
- 0.63
MarginsIndustry
- Pretax Margin
- 52.5%
- 36.9%
- FCF Margin
- 48.3%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 15.9%
- 10.8%
- Return on Assets (ROA)
- 1.94%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.01
- 0.21
- Debt / FCF
- 0.07
- 1.42
GrowthIndustry
- Revenue Growth (3Y CAGR)
- 5.82%
- 5.82%
- Revenue Growth (5Y CAGR)
- 195.8%
- 6.17%
- EPS Growth (3Y CAGR)
- 2.58%
- 1.31%
- EPS Growth (5Y CAGR)
- 4.50%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $424.07K
- $359.04K
- Profits Per Employee
- $181.91K
- $110.51K
- Employee Count
- 1,600
- 492
- WACC
- 8.68%
- 8.00%
Income statement (TTM)Industry
- Pretax Income
- $355.90M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $452.62M
- $166.15M
- Net Cash Per Share
- $3.16
- $8.19
- Equity (Book Value)
- $1.83B
- $570.13M
- Book Value Per Share
- $12.79
- $28.22
- Tangible Book Value
- $1.83B
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$25.24M
- -$4.27M
- FCF Per Share
- $2.29
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 6.71%
- 8.32%
- FCF Yield
- 7.56%
- 9.23%
- Dividend Yield
- 2.48%
- 2.44%
- Shareholder Yield
- 2.48%
- 3.22%
- Dividend Per Share
- $0.75
- $0.92
- Dividend Growth (YoY)
- 4.17%
- 4.26%
- Years of Dividend Growth
- 6
- 2
- Payout Ratio
- 38.9%
- 29.0%
- FCF Payout Ratio
- 34.6%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $64.85M
- $16.14M
- Effective Tax Rate
- 18.2%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $24.17
- $45.31
- Graham Upside
- -20.1%
- 18.8%
- Altman Z-Score
- 0.39
- 0.22
- Piotroski F-Score
- 6
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | FFIN | S&P 500 | Difference | FFIN per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -1.7% | -2.7% | +1.0 pts | ||
| 3 months | -12.8% | -1.7% | −11.1 pts | ||
| Year to date | +3.3% | +11.9% | −8.6 pts | ||
| 1 year | -1.0% | +12.0% | −13.0 pts | ||
| 3 years | +31.3% | +78.2% | −46.8 pts | +9.5% | +21.2% |
| 5 years | -38.2% | +73.2% | −111.4 pts | -9.2% | +11.6% |
| 10 years | +68.0% | +309.6% | −241.7 pts | +5.3% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
9M FFIN shares were sold short on Oct 30, 2026, down 5.6% from the previous report, or 6.30% of the shares available to trade. At recent volumes it would take 6.8 days to buy them back. Over the last 20 sessions, 31.2% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 8,725,839 | -5.6% | 1,273,494 | 6.8 |
| Oct 15, 2026 | 9,243,429 | -0.0% | 933,677 | 9.9 |
| Sep 30, 2026 | 9,244,704 | +2.4% | 936,527 | 9.9 |
| Sep 15, 2026 | 9,032,215 | +6.1% | 647,690 | 13.9 |
| Aug 31, 2026 | 8,510,783 | +1.6% | 628,229 | 13.6 |
| Aug 14, 2026 | 8,377,182 | -0.3% | 596,224 | 14.1 |
| Jul 31, 2026 | 8,403,942 | -1.9% | 837,163 | 10.0 |
| Jul 15, 2026 | 8,568,399 | -1.3% | 759,846 | 11.3 |
| Jun 30, 2026 | 8,682,356 | +2.5% | 1,459,179 | 6.0 |
| Jun 15, 2026 | 8,473,928 | +3.9% | 908,916 | 9.3 |
| May 29, 2026 | 8,154,697 | -1.2% | 690,199 | 11.8 |
| May 15, 2026 | 8,251,992 | +0.1% | 757,726 | 10.9 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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