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First Financial Bankshares, Inc. (FFIN)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US32020R1095

CUSIP

32020R109

IPO Date

Nov 1, 1993

Highlights

Market Cap

$5.17B

EPS (TTM)

$1.62

PE Ratio

22.32

PEG Ratio

2.69

Total Revenue (TTM)

$608.05M

Gross Profit (TTM)

$615.78M

EBITDA (TTM)

$264.98M

Year Range

$27.14 - $44.23

Target Price

$36.75

Short %

6.06%

Short Ratio

12.29

Share Price Chart


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Compare to other instruments

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.


Performance

Performance Chart


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Returns By Period

First Financial Bankshares, Inc. (FFIN) returned 0.18% year-to-date (YTD) and 17.83% over the past 12 months. Over the past 10 years, FFIN delivered an annualized return of 11.38%, outperforming the S&P 500 benchmark at 10.77%.


FFIN

YTD

0.18%

1M

14.79%

6M

-14.63%

1Y

17.83%

5Y*

9.01%

10Y*

11.38%

^GSPC (Benchmark)

YTD

0.08%

1M

9.75%

6M

-1.63%

1Y

12.74%

5Y*

15.66%

10Y*

10.77%

*Annualized

Monthly Returns

The table below presents the monthly returns of FFIN, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20253.36%1.07%-4.13%-6.71%7.22%0.18%
20243.07%-0.93%6.66%-9.91%1.42%-0.87%30.24%-4.91%1.72%-2.35%15.33%-13.12%21.58%
20233.55%2.98%-12.59%-8.28%-11.48%10.66%14.39%-11.87%-11.95%-4.26%9.15%16.14%-9.79%
2022-7.57%1.98%-7.63%-9.38%3.15%-4.36%12.50%-3.78%-1.20%-7.98%-4.00%-6.46%-31.21%
20214.71%17.90%4.90%5.03%2.59%-2.13%-0.59%-2.50%-3.17%10.38%-1.58%2.15%42.23%
2020-4.50%-14.26%-6.14%3.76%10.02%-5.30%3.57%1.19%-7.41%6.81%12.11%8.64%4.88%
20195.91%6.14%-10.59%6.47%-7.90%9.13%6.37%-6.50%9.25%-0.15%3.88%1.88%23.48%
20183.11%-0.97%1.04%7.02%6.16%-2.85%11.20%6.71%-1.81%-0.19%11.07%-11.65%29.95%
2017-5.64%3.17%-8.47%-0.37%-4.26%16.08%-2.15%-7.40%13.39%1.00%3.94%-4.66%1.45%
2016-13.42%1.11%12.62%9.47%3.49%-1.62%4.21%7.17%0.00%-0.66%18.92%5.42%52.82%
2015-17.34%6.36%5.76%4.78%4.04%15.52%-1.91%-8.36%2.59%4.66%7.97%-15.56%3.04%
2014-7.47%-1.13%2.59%-4.43%0.73%5.95%-6.34%0.03%-5.00%14.36%-5.07%-0.49%-7.96%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of FFIN is 68, indicating average performance compared to other stocks on our website. Here’s a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of FFIN is 6868
Overall Rank
The Sharpe Ratio Rank of FFIN is 7272
Sharpe Ratio Rank
The Sortino Ratio Rank of FFIN is 6767
Sortino Ratio Rank
The Omega Ratio Rank of FFIN is 6464
Omega Ratio Rank
The Calmar Ratio Rank of FFIN is 6969
Calmar Ratio Rank
The Martin Ratio Rank of FFIN is 6969
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for First Financial Bankshares, Inc. (FFIN) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

First Financial Bankshares, Inc. Sharpe ratios as of May 14, 2025 (values are recalculated daily):

  • 1-Year: 0.54
  • 5-Year: 0.27
  • 10-Year: 0.35
  • All Time: 0.41

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

The chart below shows the rolling Sharpe ratio of First Financial Bankshares, Inc. compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time. For deeper analysis or to customize the calculation, use the Sharpe ratio tool.


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Dividends

Dividend History

First Financial Bankshares, Inc. provided a 2.00% dividend yield over the last twelve months, with an annual payout of $0.72 per share. The company has been increasing its dividends for 13 consecutive years.


1.20%1.40%1.60%1.80%2.00%2.20%2.40%$0.00$0.20$0.40$0.60$0.8020142015201620172018201920202021202220232024
Dividends
Dividend Yield
PeriodTTM20242023202220212020201920182017201620152014
Dividend$0.72$0.72$0.71$0.66$0.58$0.51$0.47$0.41$0.38$0.35$0.31$0.28

Dividend yield

2.00%2.00%2.34%1.92%1.14%1.41%1.32%1.42%1.66%1.55%2.06%1.84%

Monthly Dividends

The table displays the monthly dividend distributions for First Financial Bankshares, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025$0.00$0.00$0.18$0.00$0.00$0.18
2024$0.00$0.00$0.18$0.00$0.00$0.18$0.00$0.00$0.18$0.00$0.00$0.18$0.72
2023$0.00$0.00$0.17$0.00$0.00$0.18$0.00$0.00$0.18$0.00$0.00$0.18$0.71
2022$0.00$0.00$0.15$0.00$0.00$0.17$0.00$0.00$0.17$0.00$0.00$0.17$0.66
2021$0.00$0.00$0.13$0.00$0.00$0.15$0.00$0.00$0.15$0.00$0.00$0.15$0.58
2020$0.00$0.00$0.12$0.00$0.00$0.13$0.00$0.00$0.13$0.00$0.00$0.13$0.51
2019$0.00$0.00$0.11$0.00$0.00$0.12$0.00$0.00$0.12$0.00$0.00$0.12$0.47
2018$0.00$0.00$0.10$0.00$0.00$0.11$0.00$0.00$0.11$0.00$0.00$0.11$0.41
2017$0.00$0.00$0.09$0.00$0.00$0.10$0.00$0.00$0.10$0.00$0.00$0.10$0.38
2016$0.00$0.00$0.08$0.00$0.00$0.09$0.00$0.00$0.09$0.00$0.00$0.09$0.35
2015$0.00$0.00$0.07$0.00$0.00$0.08$0.00$0.00$0.08$0.00$0.00$0.08$0.31
2014$0.07$0.00$0.00$0.07$0.00$0.00$0.07$0.00$0.00$0.07$0.28

Dividend Yield & Payout


Dividend Yield

First Financial Bankshares, Inc. has a dividend yield of 2.00%, which is quite average when compared to the overall market.

Payout Ratio

First Financial Bankshares, Inc. has a payout ratio of 44.44%, which is quite average when compared to the overall market. This suggests that First Financial Bankshares, Inc. strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the First Financial Bankshares, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the First Financial Bankshares, Inc. was 55.97%, occurring on Oct 20, 2023. The portfolio has not yet recovered.

The current First Financial Bankshares, Inc. drawdown is 29.32%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-55.97%Nov 24, 2021479Oct 20, 2023
-35.18%Oct 1, 1997586Mar 14, 2000281Apr 25, 2001867
-35.08%Dec 19, 201964Mar 23, 2020186Dec 15, 2020250
-34.87%Feb 22, 1994134Dec 9, 1994217Mar 25, 1996351
-34.73%Sep 22, 2008116Mar 9, 2009200Dec 21, 2009316

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of First Financial Bankshares, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Earnings Per Share

The chart presents the Earnings Per Share (EPS) performance of First Financial Bankshares, Inc., comparing actual results with analytics estimates. The company met analyst expectations for EPS in the past quarter.


0.300.350.4020212022202320242025
0.43
0.43
Actual
Estimate

Valuation

The Valuation section provides an overview of how First Financial Bankshares, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for FFIN, comparing it with other companies in the Banks - Regional industry. Currently, FFIN has a P/E ratio of 22.3. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for FFIN compared to other companies in the Banks - Regional industry. FFIN currently has a PEG ratio of 2.7. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for FFIN relative to other companies in the Banks - Regional industry. Currently, FFIN has a P/S ratio of 9.3. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for FFIN in comparison with other companies in the Banks - Regional industry. Currently, FFIN has a P/B value of 3.0. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items