John Ruzicka - First Financial Executive Officer
| FFIN Stock | USD 33.48 0.04 0.12% |
Executive
John Ruzicka is Executive Officer of First Financial Bankshares
| Age | 68 |
| Address | 400 Pine Street, Abilene, TX, United States, 79601 |
| Phone | 325 627 7155 |
| Web | https://www.ffin.com |
John Ruzicka Latest Insider Activity
Tracking and analyzing the buying and selling activities of John Ruzicka against First Financial stock is an integral part of due diligence when investing in First Financial. John Ruzicka insider activity provides valuable insight into whether First Financial is net buyers or sellers over its current business cycle. Note, First Financial insiders must abide by specific rules, including filing SEC forms every time they buy or sell First Financial'sshares to prevent insider trading or benefiting illegally from material non-public information that their positions give them access to.
John Ruzicka over a year ago Disposition of 500 shares by John Ruzicka of First Financial at 29.7 subject to Rule 16b-3 |
First Financial Management Efficiency
The company has return on total asset (ROA) of 0.0172 % which means that it generated a profit of $0.0172 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1439 %, meaning that it created $0.1439 on every $100 dollars invested by stockholders. First Financial's management efficiency ratios could be used to measure how well First Financial manages its routine affairs as well as how well it operates its assets and liabilities. At this time, First Financial's Return On Capital Employed is very stable compared to the past year. As of the 15th of February 2026, Return On Equity is likely to grow to 0.15, while Return On Tangible Assets are likely to drop 0.01. At this time, First Financial's Total Assets are very stable compared to the past year. As of the 15th of February 2026, Non Currrent Assets Other is likely to grow to about 323.4 M, while Non Current Assets Total are likely to drop about 3.7 B.Management Performance
| Return On Equity | 0.14 | ||||
| Return On Asset | 0.0172 |
First Financial Bank Leadership Team
Elected by the shareholders, the First Financial's board of directors comprises two types of representatives: First Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of First. The board's role is to monitor First Financial's management team and ensure that shareholders' interests are well served. First Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, First Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Michael Wolverton, Executive Lending | ||
| Isabel Montoya, Executive Operations | ||
| Michelle CPA, Secretary VP | ||
| John Ruzicka, Executive Officer | ||
| Lawrence Kentz, Chief Officer | ||
| Frank Gioia, Senior Center | ||
| Maggie Tuschinski, Executive Officer | ||
| Scott Dueser, Chairman, CEO and President and Chairman of Executive Committee | ||
| Cynthia Suarez, Executive Officer | ||
| Timothy Longhofer, Executive Officer | ||
| Ronald II, Executive Officer | ||
| Monica Houston, Executive Training | ||
| Javier Jurado, Executive Executive | ||
| Daniel Neely, Treasury President | ||
| Andrea SmiddySchlagel, Executive Management | ||
| Kirk Thaxton, Chairman and Presidentident and CEO, First Financial Trust & Asset Management Company | ||
| CPA CPA, Ex Officer | ||
| Keith Morton, Executive Administration | ||
| Michelle Hickox, CFO, EVP | ||
| Eric Bonnell, Senior Management | ||
| Rett Everett, Executive Administration | ||
| Bob Goodner, Senior Compliance | ||
| Tim Brown, Executive Officer | ||
| Josh CPL, Senior Resources | ||
| David Bailey, Executive Officer | ||
| Chris Cook, Ex Marketing | ||
| Kyle CPA, Executive Officer | ||
| Patricia Schulz, Ex HR | ||
| Mike Parker, Executive Officer | ||
| Brandon Harris, Senior Services | ||
| Tommy Barrow, VP Lending | ||
| James Gordon, CFO, VP | ||
| Megan Dobbs, Executive Advertising | ||
| Brian Goodrich, Executive Counsel | ||
| Randy Roewe, Chief VP | ||
| Courtney Jordan, Senior Education |
First Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is First Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.14 | ||||
| Return On Asset | 0.0172 | ||||
| Profit Margin | 0.42 % | ||||
| Operating Margin | 0.57 % | ||||
| Current Valuation | 3.77 B | ||||
| Shares Outstanding | 142.28 M | ||||
| Shares Owned By Insiders | 3.81 % | ||||
| Shares Owned By Institutions | 67.26 % | ||||
| Number Of Shares Shorted | 7.28 M | ||||
| Price To Earning | 23.90 X |
Pair Trading with First Financial
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if First Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in First Financial will appreciate offsetting losses from the drop in the long position's value.Moving together with First Stock
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| 0.68 | AON0 | AOZORA BANK LTD | PairCorr |
| 0.82 | AX | Axos Financial | PairCorr |
| 0.83 | BY | Byline Bancorp | PairCorr |
Moving against First Stock
The ability to find closely correlated positions to First Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace First Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back First Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling First Financial Bankshares to buy it.
The correlation of First Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as First Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if First Financial Bank moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for First Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Financial Bankshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product. To learn how to invest in First Stock, please use our How to Invest in First Financial guide.You can also try the Balance Of Power module to check stock momentum by analyzing Balance Of Power indicator and other technical ratios.
Will Regional Banks sector continue expanding? Could First diversify its offerings? Factors like these will boost the valuation of First Financial. Market participants price First higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every First Financial data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.185 | Dividend Share 0.75 | Earnings Share 1.77 | Revenue Per Share | Quarterly Revenue Growth 0.145 |
First Financial Bank's market price often diverges from its book value, the accounting figure shown on First's balance sheet. Smart investors calculate First Financial's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since First Financial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between First Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.