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ISIN
US32020R1095
CUSIP
32020R109
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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S&P 500 Index

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%
*Multi-year figures are annualized to reflect compound growth (CAGR)

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%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20266.53%-2.80%-4.17%9.58%1.27%1.93%12.24%
20253.36%1.07%-4.13%-6.71%5.22%2.59%-3.78%7.37%-8.99%-8.20%1.13%-3.81%-15.32%
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%

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
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.


FFIN Risk / Return Rank: 3535
Overall Rank
FFIN Sharpe Ratio Rank: 3737
Sharpe Ratio Rank
FFIN Sortino Ratio Rank: 3232
Sortino Ratio Rank
FFIN Omega Ratio Rank: 3232
Omega Ratio Rank
FFIN Calmar Ratio Rank: 3838
Calmar Ratio Rank
FFIN Martin Ratio Rank: 3838
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

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.


FFINBenchmarkDifference
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.


1.00%1.50%2.00%2.50%$0.00$0.20$0.40$0.60$0.8020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
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.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
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 3mo1y 3mo
3y 7moNov 1997 - Jun 2001
COVID crash2020
-35.08%Mar 2020
3mo 5d8mo 27d
12mo 2dDec 2019 - Dec 2020
Financial crisis2007–2009
-34.73%Mar 2009
5mo 18d9mo 17d
1y 3moSep 2008 - Dec 2009
1994 bear market1994
-34.52%Dec 1994
9mo 20d1y 1mo
1y 11moFeb 1994 - Jan 1996

Drawdown Indicators


FFINBenchmarkDifference

Max Drawdown

Largest 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 Drawdown

Current decline from peak

-32.94%

-1.80%

-31.14%

Average Drawdown

Average peak-to-trough decline

-12.75%

-10.71%

-2.04%

Ulcer Index

Depth 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.


Annual
Quarterly

0.0

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
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
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