- ISIN
- US32020R1095
- CUSIP
- 32020R109
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Nov 1, 1993
Highlights
- Market Cap
- $4.75B
- Enterprise Value
- $4.65B
- EPS (TTM)
- $1.84
- PE Ratio
- 17.97
- PEG Ratio
- 5.29
- Total Revenue (TTM)
- $847.17M
- Gross Profit (TTM)
- $615.88M
- EBITDA (TTM)
- $329.11M
- Year Range
- $28.12 - $38.74
- Target Price
- $39.00
- ROA (TTM)
- 1.71%
- ROE (TTM)
- 13.57%
Share Price Chart
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Performance
FFIN Performance Chart
First Financial Bankshares, Inc. (FFIN) is up 12.2% since the beginning of the year. At $33 per share, FFIN is trading 14.6% below its 52-week high of $39. Investors who bought $1,000 worth of FFIN shares 5 years ago would now be looking at an investment worth $758.
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Returns By Period
First Financial Bankshares, Inc. (FFIN) has returned 12.24% so far this year and -2.90% over the past 12 months. Over the last ten years, FFIN has returned 9.76% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
First Financial Bankshares, Inc.
- 1D
- 0.95%
- 1M
- 3.32%
- YTD
- 12.24%
- 6M
- 7.59%
- 1Y
- -2.90%
- 3Y*
- 9.43%
- 5Y*
- -5.38%
- 10Y*
- 9.76%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
FFIN Monthly Returns History
Based on dividend-adjusted daily data since Nov 1, 1993, FFIN's average daily return is +0.07%, while the average monthly return is +1.22%. At this rate, an investment would double in approximately 4.8 years.
Historically, 58% of months were positive and 42% were negative. The best month was Jul 2024 with a return of +30.2%, while the worst month was Jan 2009 at -19.6%. The longest winning streak lasted 12 consecutive months, and the longest losing streak was 5 months.
On a daily basis, FFIN closed higher 47% of trading days. The best single day was Nov 6, 2024 with a return of +14.3%, while the worst single day was Mar 9, 2020 at -13.5%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 6.53% | -2.80% | -4.17% | 9.58% | 1.27% | 1.93% | 12.24% | ||||||
| 2025 | 3.36% | 1.07% | -4.13% | -6.71% | 5.22% | 2.59% | -3.78% | 7.37% | -8.99% | -8.20% | 1.13% | -3.81% | -15.32% |
| 2024 | 3.07% | -0.93% | 6.66% | -9.91% | 1.42% | -0.87% | 30.24% | -4.91% | 1.72% | -2.35% | 15.33% | -13.12% | 21.58% |
| 2023 | 3.55% | 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% |
| 2021 | 4.71% | 17.90% | 4.90% | 5.03% | 2.59% | -2.13% | -0.59% | -2.50% | -3.17% | 10.38% | -1.58% | 2.15% | 42.23% |
Benchmark Metrics
First Financial Bankshares, Inc. has an annualized alpha of 8.99%, beta of 0.87, and R2 of 0.23 versus S&P 500 Index. Calculated based on daily prices since November 01, 1993.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (82.53%) than losses (62.56%) - typical of diversified or defensive assets.
- R2 of 0.23 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 8.99%
- Beta
- 0.87
- R²
- 0.23
- Upside Capture
- 82.53%
- Downside Capture
- 62.56%
Return for Risk
Risk / Return Rank
FFIN ranks 35 for risk / return — below 35% of stocks on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for First Financial Bankshares, Inc. (FFIN) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FFIN | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.14 | ||
| Sortino ratioReturn per unit of downside risk | -2.74 | ||
| Omega ratioGain probability vs. loss probability | 1.00 | 1.37 | -0.37 |
| Calmar ratioReturn relative to maximum drawdown | -0.12 | 2.78 | -2.91 |
| Martin ratioReturn relative to average drawdown | -0.21 | 12.44 | -12.65 |
Dividends
Dividend History
First Financial Bankshares, Inc. provided a 2.39% dividend yield over the last twelve months, with an annual payout of $0.79 per share. The company has been increasing its dividends for 24 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.79 | $0.75 | $0.72 | $0.71 | $0.66 | $0.58 | $0.51 | $0.47 | $0.41 | $0.38 | $0.35 | $0.31 |
Dividend yield | 2.39% | 2.51% | 2.00% | 2.34% | 1.92% | 1.14% | 1.41% | 1.32% | 1.42% | 1.66% | 1.55% | 2.06% |
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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.22 | $0.41 | ||||||
| 2025 | $0.00 | $0.00 | $0.18 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.19 | $0.75 |
| 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 |
Dividend Yield & Payout
Dividend Yield
First Financial Bankshares, Inc. has a dividend yield of 2.39%, which is quite average when compared to the overall market.
Payout Ratio
First Financial Bankshares, Inc. has a payout ratio of 40.18%, 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 32.94%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2023 bear market2023 | -55.97%Oct 2023 | 1y 11mo | — | 4y 7moNov 2021 - now |
Dot-com crash2000–2002 | -41.07%Mar 2000 | 2y 3mo | 1y 3mo | 3y 7moNov 1997 - Jun 2001 |
COVID crash2020 | -35.08%Mar 2020 | 3mo 5d | 8mo 27d | 12mo 2dDec 2019 - Dec 2020 |
Financial crisis2007–2009 | -34.73%Mar 2009 | 5mo 18d | 9mo 17d | 1y 3moSep 2008 - Dec 2009 |
1994 bear market1994 | -34.52%Dec 1994 | 9mo 20d | 1y 1mo | 1y 11moFeb 1994 - Jan 1996 |
Drawdown Indicators
| FFIN | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.97% | -56.78% | +0.81% |
Max Drawdown (1Y)Largest decline over 1 year | -23.37% | -9.10% | -14.27% |
Max Drawdown (3Y)Largest decline over 3 years | -31.38% | -18.90% | -12.48% |
Max Drawdown (5Y)Largest decline over 5 years | -55.97% | -25.43% | -30.54% |
Max Drawdown (10Y)Largest decline over 10 years | -55.97% | -33.92% | -22.05% |
Current DrawdownCurrent decline from peak | -32.94% | -1.80% | -31.14% |
Average DrawdownAverage peak-to-trough decline | -12.75% | -10.71% | -2.04% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 13.80% | 2.03% | +11.77% |
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.
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 18.0. 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 5.3. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.
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 5.6. 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 2.4. 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 | |
|---|---|
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Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
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Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
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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 | — |
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