First Financial Bankshares Stock Analysis

First Stock Analysis Notes

About 67.0% of the company shares are owned by institutional investors. The book value of First Financial was currently reported as 13.48. The company has Price/Earnings To Growth (PEG) ratio of 2.69. First Financial Bank last dividend was issued on the 13th of March 2026. The entity had 2:1 split on the 4th of June 2019. First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas. First Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1400 people. To learn more about First Financial Bankshares call Scott Dueser at 325 627 7155 or check out https://www.ffin.com.

First Financial Bank Investment Alerts

First Largest EPS Surprises

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First Financial Environmental, Social, and Governance (ESG) Scores

First Stock Institutional Investors

Note, although First Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

First Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 4.79 B.

First Profitablity

The company has Profit Margin (PM) of 0.42 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.57 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.57.

Management Efficiency

First Financial Bank 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.

Technical Drivers

As of the 15th of February 2026, First Financial shows the Coefficient Of Variation of 1231.69, downside deviation of 1.32, and Mean Deviation of 1.15. First Financial Bank technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.

First Financial Bank Price Movement Analysis

First Financial Bank Insider Trading Activities

First Financial Outstanding Bonds

First Financial Predictive Daily Indicators

First Financial Corporate Filings

First Financial Forecast Models

First Financial's time-series forecasting models are one of many First Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary First Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

First Financial Bond Ratings

First Financial Bankshares financial ratings play a critical role in determining how much First Financial have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for First Financial's borrowing costs.

First Financial Bank Debt to Cash Allocation

First Financial Bankshares currently holds 21.68 M in liabilities with Debt to Equity (D/E) ratio of 7.28, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about First Financial's use of debt, we should always consider it together with its cash and equity.

First Financial Total Assets Over Time

First Financial Assets Financed by Debt

The debt-to-assets ratio shows the degree to which First Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

First Financial Debt Ratio

0.13

It appears that most of the First Financial's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the First Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of First Financial, which in turn will lower the firm's financial flexibility.

First Financial Corporate Bonds Issued

First Net Debt

Stock analysis is the technique used by a trader or investor to examine and evaluate how First Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling First shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as First Financial. By using and applying First Stock analysis, traders can create a robust methodology for identifying First entry and exit points for their positions.

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. First analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. First analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.

First Financial Bankshares stock analysis indicators help investors evaluate how First Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading First Financial shares will generate the highest return on investment. By understating and applying First Financial stock analysis, traders can identify First Financial position entry and exit signals to maximize returns.

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 Idea Breakdown module to analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes.

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.