First Financial Valuation
| FFIN Stock | USD 33.67 0.87 2.52% |
At this time, the firm appears to be undervalued. First Financial Bank shows a prevailing Real Value of $37.01 per share. The current price of the firm is $33.67. Our model computes the value of First Financial Bank from reviewing the firm fundamentals such as Shares Outstanding of 142.28 M, profit margin of 0.42 %, and Current Valuation of 3.96 B as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting First Financial's valuation include:
Undervalued
Today
Please note that First Financial's price fluctuation is very steady at this time. Calculation of the real value of First Financial Bank is based on 3 months time horizon. Increasing First Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since First Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of First Stock. However, First Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 33.67 | Real 37.01 | Target 36.5 | Hype 34.11 |
The intrinsic value of First Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence First Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of First Financial Bankshares helps investors to forecast how First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of First Financial more accurately as focusing exclusively on First Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use First Financial's intrinsic value based on its ongoing forecasts of First Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against First Financial's closest peers.
First Financial Cash |
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First Revenue by Product
First Financial Total Value Analysis
First Financial Bankshares is currently forecasted to have valuation of 3.96 B with market capitalization of 4.98 B, debt of 21.68 M, and cash on hands of 365.78 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the First Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
3.96 B | 4.98 B | 21.68 M | 365.78 M |
First Financial Investor Information
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 is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.3 | 0.3749 |
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| Total Cash From Operating Activities | 373.9 M | 356.1 M |
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| Operating Income | 325.1 M | 309.6 M |
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First Financial Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. First Financial has an asset utilization ratio of 5.35 percent. This suggests that the Company is making $0.0535 for each dollar of assets. An increasing asset utilization means that First Financial Bankshares is more efficient with each dollar of assets it utilizes for everyday operations.First Financial Profitability Analysis
Taking into consideration First Financial's profitability measurements, First Financial Bankshares may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess First Financial's ability to earn profits and add value for shareholders.Net Income | First Reported 1993-03-31 | Previous Quarter 52.3 M | Current Value 73.3 M | Quarterly Volatility 18.7 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.66 | 0.7182 |
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| Net Profit Margin | 0.23 | 0.3071 |
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| Operating Profit Margin | 0.3 | 0.3749 |
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| Pretax Profit Margin | 0.3 | 0.3749 |
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| Return On Assets | 0.0129 | 0.0164 |
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| Return On Equity | 0.15 | 0.1323 |
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For First Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of First Financial Bank to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well First Financial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between First Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of First Financial over time as well as its relative position and ranking within its peers.
First Financial Earnings per Share Projection vs Actual
The next projected EPS of First Financial is estimated to be 0.48 with future projections ranging from a low of 0.46 to a high of 0.49. First Financial's most recent 12-month trailing earnings per share (EPS TTM) is at 1.77. Please be aware that the consensus of earnings estimates for First Financial Bankshares is based on EPS before non-recurring items and includes expenses related to employee stock options.First Financial Earnings Estimation Breakdown
The calculation of First Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of First Financial is estimated to be 0.48 with the future projection ranging from a low of 0.46 to a high of 0.49. Please be aware that this consensus of annual earnings estimates for First Financial Bankshares is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.46 Lowest | Expected EPS | 0.49 Highest |
First Financial Earnings Projection Consensus
Suppose the current estimates of First Financial's value are higher than the current market price of the First Financial stock. In this case, investors may conclude that First Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and First Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 4 | 93.55% | 0.51 | 0.48 | 1.77 |
First Financial Ownership Allocation
First Financial holds a total of 142.28 Million outstanding shares. Over half of First Financial's outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that obtain positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.First Financial Profitability Analysis
The company reported the previous year's revenue of 825.8 M. Net Income was 223.51 M with profit before overhead, payroll, taxes, and interest of 602.99 M.First Financial Past Distributions to stockholders
About First Financial Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of First Financial Bankshares. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of First Financial Bank based exclusively on its fundamental and basic technical indicators. By analyzing First Financial's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of First Financial's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of First Financial. We calculate exposure to First Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of First Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 593.1 M | 622.8 M | |
| Pretax Profit Margin | 0.37 | 0.30 | |
| Operating Profit Margin | 0.37 | 0.30 | |
| Net Profit Margin | 0.31 | 0.23 | |
| Gross Profit Margin | 0.72 | 0.66 |
First Financial Quarterly Retained Earnings |
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A single share of First Financial represents a small ownership stake in the entity. As a stockholder of First, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
First Financial Dividends Analysis For Valuation
At this time, First Financial's Dividend Yield is very stable compared to the past year. As of the 10th of February 2026, Dividend Payout Ratio is likely to grow to 0.47, though Dividends Paid is likely to grow to (112.4 M). . At this time, First Financial's Retained Earnings are very stable compared to the past year. As of the 10th of February 2026, Retained Earnings Total Equity is likely to grow to about 1.4 B, while Earning Assets are likely to drop about 3.5 B.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -118.3 M | -112.4 M | |
| Dividend Yield | 0.03 | 0.03 | |
| Dividend Payout Ratio | 0.42 | 0.47 | |
| Dividend Paid And Capex Coverage Ratio | 2.33 | 1.88 |
There are various types of dividends First Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of First shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from First Financial Bankshares directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When First pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of First Financial by the value of the dividends paid out.
First Financial Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 143.5 M | |
| Quarterly Earnings Growth Y O Y | 0.185 | |
| Forward Price Earnings | 24.57 |
First Financial Current Valuation Indicators
First Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final First Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as First Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use First Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes First Financial's worth.When determining whether First Financial Bank offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First Financial Bankshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First Financial Bankshares Stock: 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.
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.