FFIN logo

FIRST FINL BANKSHARES INC

FFINNASDAQ
πŸ† #1386 by market capEarnings Oct 15US Equity
$754.59β–Ό $40.97 (βˆ’5.43%)
Simulated price
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24hβ–Ό 5.4%
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🏦Market Cap
$4.59B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+11.7%
Healthy
πŸ“ŠGross Margin
73.1%
High
πŸ’΅FCF Margin
37.3%
Strong
βš–οΈP/S Ratio
5.3x
Fair
Otter Score
68
Fair
No chart data available for FFIN.

Trading Snapshot

Day Range
$748.03 – $759.08
52-Week Range
$28.12 – $36.52
Volume
$6.84B
Avg Volume
$8.85B
Shares Outstanding
143.3M
Next Earnings
Oct 30, 2026

Fundamentals Snapshot

Annual Revenue
$826M
Last Q Revenue
$222M
P/E Ratio
17.0
P/S Ratio
5.3x
EPS (TTM)
$1.88
Dividend Yield
2.56%
Dilution (1yr)
+0.2%

Why Investors Own FFIN

  • βœ“High-growth profile β€” revenue up +4.8% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 27% gross margin and 9% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FFIN logo

FIRST FINL BANKSHARES INC

FFIN
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$826Mβ–² +11.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
71.8%β–² +1.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$310Mβ–² +13.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$307Mβ–² +4.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
143.5Mβ–² +0.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$1.1Bβ–² +$490M YoY
StockOtter Β· stockotter.space

About FIRST FINL BANKSHARES INC

First Financial Bankshares, Inc. (FFIN) is a financial institution that delivers a broad array of commercial banking and financial services throughout Texas via its network of subsidiaries. Its core offerings include various deposit solutions, such as checking, savings, money market, and time deposit accounts. The company provides diverse lending options, extending credit for commercial and industrial ventures, municipal projects, agriculture, construction and development, and farm operations. It also finances both owner-occupied and non-owner-occupied commercial real estate, residential properties, and consumer needs, including vehicle and other personal loans. These services primarily cater to businesses, professional clients, and agricultural enterprises. The institution also equips its customers with contemporary banking conveniences like internet and mobile banking, remote deposit capture, payroll cards, and funds transfer capabilities. Traditional amenities such as drive-in and night deposit services, automated teller machines (ATMs), and secure safe deposit facilities are also part of its comprehensive service suite. Beyond conventional banking, First Financial Bankshares offers robust personal trust services. These encompass wealth management, estate administration, and the management of various trust structures, including testamentary, revocable, irrevocable, and agency accounts. Additionally, the company provides securities brokerage and manages a range of retirement and employee benefit plans, such as 401(k) profit-sharing plans and Individual Retirement Accounts (IRAs). Its service portfolio is further enhanced by asset management and technology services. As of December 31, 2021, FFIN operated 78 financial centers strategically located across Texas. The company, established in 1890, maintains its corporate headquarters in Abilene, Texas.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Ratings

β“˜
Consensus
Buy
12 analysts
Strong Buy2
Buy4
Hold6
Sell0
Strong Sell0
Ratings as of Sep 2026

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