NASDAQ · Banks - Regional

First Financial Bankshares, Inc. (FFIN) Stock

$30.17 -0.53% NASDAQ: FFIN Financial Services

Valuation

MetricValue
Price$30.17
Market Cap$4.32B
P/E Ratio17.10
P/B Ratio2.31
P/S Ratio5.34
EPS (TTM)$1.77
52-Week High$36.52
52-Week Low$28.12
Dividend Yield2.74%

Financials & Margins

MetricValue
ROE14.00%
ROA1.76%
ROCE15.66%
Gross Margin37.53%
Operating Margin37.53%
Net Margin31.16%
Debt/Equity0.05
Current Ratio0.68

Annual Financials (USD)

Metric20212022202320242025
Revenue$506.0M$551.0M$622.0M$739.0M$826.0M
Operating Profit$272.0M$281.0M$243.0M$272.0M$310.0M
Net Profit$228.0M$234.0M$199.0M$224.0M$254.0M
EPS$1.59$1.64$1.39$1.56$1.77
Op Margin53.8%51.0%39.1%36.8%37.5%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$13.1B$13.0B$13.1B$14.0B$15.4B
Total Liabilities$11.3B$11.7B$11.6B$12.4B$13.5B
Cash$529.0M$331.0M$537.0M$763.0M$1.1B
Borrowings$671.0M$643.0M$404.0M$197.0M$22.0M

Latest News

Why First Financial Bankshares (FFIN) is a Top Dividend Stock for Your Portfolio Zacks · Jul 15, 2026 FFIN: What does Argus have to say about FFIN? Argus Research · Jul 15, 2026 FIRST FINANCIAL BANKSHARES RENAMES WEALTH COMPANY TO FIRST FINANCIAL WEALTH MANAGEMENT PR Newswire · Jul 9, 2026 3 Reasons to Avoid FFIN and 1 Stock to Buy Instead StockStory · Jul 7, 2026 First Financial Bankshares (FFIN): Buy, Sell, or Hold Post Q4 Earnings? StockStory · Jul 6, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$355.0M$324.0M$285.0M$310.0M$321.0M
Investing Cash Flow$-2.6B$-854.0M$110.0M$-754.0M$-1.1B
Financing Cash Flow$1.9B$436.0M$132.0M$961.0M$1.2B
Net Cash Flow$-200.0M$-198.0M$206.0M$227.0M$315.0M
Free Cash Flow$336.0M$308.0M$268.0M$293.0M$307.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.97
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y-6.32%
Return 3Y22.13%
Return 5Y-20.93%

Ownership

Insiders Held3.63%
Institutions Held68.90%
Institutions Float Held71.49%
Institutional HolderSharesReport Date
Blackrock Inc.17,105,8562026-03-31
Vanguard Portfolio Management LLC7,202,1832026-03-31
State Street Corporation6,521,2252026-03-31
Vanguard Capital Management LLC5,581,3402026-03-31
Neuberger Berman Group, LLC3,845,0492026-03-31

About First Financial Bankshares, Inc.

First Financial Bankshares, Inc. (FFIN) stock trades at $30.17 with a market capitalization of $4.32B. The stock is valued at a price-to-earnings (P/E) ratio of 17.10, price-to-book of 2.31, price-to-sales of 5.34. Over the past 52 weeks the stock has ranged between $28.12 and $36.52, and currently trades 17.4% below its 52-week high. It pays a dividend yielding 2.74%.

On profitability, First Financial Bankshares, Inc. generates a return on equity (ROE) of 14.00%, return on capital employed of 15.66%, an operating margin of 37.53%, a net profit margin of 31.16%.

First Financial Bankshares, Inc. by the numbers, 2016–2025

Between 2016 and 2025 First Financial Bankshares, Inc. reported revenue of $309.0M rising to $826.0M, a change of +167.3% across 10 years. Compounded, revenue has grown 10.9% a year over five years, 14.4% over three, 11.8% over the last twelve months. Net profit rose to $254.0M.

Operating margin went from 44.0% in 2016 to 37.5% in 2025, a fall of 6.5 percentage points. The most recent net margin is 31.16%. On a trailing twelve-month basis to Jun '26, revenue is $863.0M and net profit $269.0M.

Borrowings fell from $446.0M to $22.0M, cash from operations was $321.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 14.4% over five years, and was 13.3% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

First Financial Bankshares, Inc. (FFIN) — frequently asked questions

What is First Financial Bankshares, Inc. (FFIN) stock price today?

First Financial Bankshares, Inc. (FFIN) is currently trading at $30.17, down 0.53% today.

What is FFIN P/E ratio?

First Financial Bankshares, Inc.'s P/E ratio is 17.10. This is between 15x and 30x, around the typical market average of roughly 18-22x.

What is FFIN return on equity (ROE)?

First Financial Bankshares, Inc.'s return on equity (ROE) is 14.00%. ROE measures net income relative to shareholders' equity. This is within the typical market range of roughly 12-15%.

What is First Financial Bankshares, Inc.'s market cap?

First Financial Bankshares, Inc. has a market capitalization of $4.32B.

Does FFIN pay a dividend?

Yes. First Financial Bankshares, Inc. currently yields 2.74%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does FFIN carry?

First Financial Bankshares, Inc. has a debt-to-equity ratio of 0.05. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is FFIN's profit margin?

First Financial Bankshares, Inc. reports a net profit margin of 31.16% — the share of revenue left after every cost, including tax and interest.

What sector is FFIN in?

First Financial Bankshares, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is FFIN listed on?

First Financial Bankshares, Inc. trades on NASDAQ under the ticker FFIN.

What is FFIN's 52-week range?

Over the last year First Financial Bankshares, Inc. has traded between $28.12 and $36.52.

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Screens FFIN currently matches

On the figures above, First Financial Bankshares, Inc. passes the filters for 14 of our ready-made screens, among them Dividend Stocks, Low Debt Dividend Stocks, Low Debt Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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