FFIN vs. UFPI

Last updated Jun 3, 2026

FFIN (First Financial Bankshares, Inc.) and UFPI (UFP Industries, Inc.) are both stocks. FFIN operates in Banks - Regional (Financial Services), while UFPI operates in Lumber & Wood Production (Basic Materials). Over the past 10 years, FFIN returned 8.93%/yr vs 12.34%/yr for UFPI. At a 0.38 correlation, their price movements are largely independent.

Performance

FFIN vs. UFPI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in First Financial Bankshares, Inc. (FFIN) and UFP Industries, Inc. (UFPI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FFIN achieves a 9.98% return, which is significantly higher than UFPI's -9.97% return. Over the past 10 years, FFIN has underperformed UFPI with an annualized return of 8.93%, while UFPI has yielded a comparatively higher 12.34% annualized return.

FFIN

• 1D: 1.46%
• 1M: 0.25%
• YTD: 9.98%
• 6M: 6.17%
• 1Y: -5.05%
• 3Y*: 7.30%
• 5Y*: -6.91%
• 10Y*: 8.93%

UFPI

• 1D: 2.34%
• 1M: -4.11%
• YTD: -9.97%
• 6M: -11.25%
• 1Y: -13.79%
• 3Y*: 0.20%
• 5Y*: 2.57%
• 10Y*: 12.34%

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

FFIN vs. UFPI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FFIN First Financial Bankshares, Inc.	9.98%	-15.32%	21.58%	-9.79%	-31.21%	42.23%	4.88%	23.48%	29.95%	1.45%
UFPI UFP Industries, Inc.	-9.97%	-18.03%	-9.30%	60.27%	-12.85%	67.07%	17.59%	85.60%	-30.20%	11.49%

Correlation

The correlation between FFIN and UFPI is 0.51, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.51
Correlation (3Y) Calculated over the trailing 3-year period	0.56
Correlation (5Y) Calculated over the trailing 5-year period	0.58
Correlation (10Y) Calculated over the trailing 10-year period	0.55
Correlation (All Time) Calculated using the full available price history since Nov 11, 1993	0.38

The correlation between FFIN and UFPI shifts across timeframes, from 0.38 (all time) to 0.58 (5 years), reflecting how their relationship changes across market environments.

Fundamentals

Market Cap FFIN : $4.69B UFPI : $4.64B
EPS FFIN : $1.84 UFPI : $4.62
PE Ratio FFIN : 17.72 UFPI : 17.60
PS Ratio FFIN : 5.52 UFPI : 0.75
PB Ratio FFIN : 2.41 UFPI : 1.50
Total Revenue (TTM) FFIN : $847.17M UFPI : $6.19B
Gross Profit (TTM) FFIN : $615.88M UFPI : $1.03B
EBITDA (TTM) FFIN : $329.11M UFPI : $524.99M

Return for Risk

FFIN vs. UFPI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FFIN

FFIN Risk / Return Rank: 30
FFIN Sharpe Ratio Rank: 31
FFIN Sortino Ratio Rank: 27
FFIN Omega Ratio Rank: 27
FFIN Calmar Ratio Rank: 33
FFIN Martin Ratio Rank: 33

UFPI

UFPI Risk / Return Rank: 20
UFPI Sharpe Ratio Rank: 20
UFPI Sortino Ratio Rank: 18
UFPI Omega Ratio Rank: 20
UFPI Calmar Ratio Rank: 24
UFPI Martin Ratio Rank: 19

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.

FFIN vs. UFPI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for First Financial Bankshares, Inc. (FFIN) and UFP Industries, Inc. (UFPI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	FFIN	UFPI	Difference
Sharpe ratio Return per unit of total volatility	-0.20	-0.47	+0.27
Sortino ratio Return per unit of downside risk	-0.10	-0.54	+0.43
Omega ratio Gain probability vs. loss probability	0.99	0.94	+0.04
Calmar ratio Return relative to maximum drawdown	-0.23	-0.48	+0.26
Martin ratio Return relative to average drawdown	-0.39	-1.02	+0.63
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FFIN vs. UFPI - Sharpe Ratio Comparison

The current FFIN Sharpe Ratio is -0.20, which is higher than the UFPI Sharpe Ratio of -0.47. The chart below compares the historical Sharpe Ratios of FFIN and UFPI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	FFIN	UFPI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.20	-0.47	+0.27
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.22	0.08	-0.30
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.28	0.35	-0.08
Sharpe Ratio (All Time) Calculated using the full available price history	0.37	0.28	+0.09

Drawdowns

FFIN vs. UFPI - Drawdown Comparison

The maximum FFIN drawdown since its inception was -55.97%, smaller than the maximum UFPI drawdown of -80.64%. Use the drawdown chart below to compare losses from any high point for FFIN and UFPI.

Drawdown Indicators

	FFIN	UFPI	Difference
Max Drawdown Largest peak-to-trough decline	-55.97%	-80.64%	+24.67%
Max Drawdown (1Y) Largest decline over 1 year	-23.37%	-31.29%	+7.92%
Max Drawdown (3Y) Largest decline over 3 years	-31.38%	-41.90%	+10.52%
Max Drawdown (5Y) Largest decline over 5 years	-55.97%	-41.90%	-14.07%
Max Drawdown (10Y) Largest decline over 10 years	-55.97%	-45.75%	-10.22%
Current Drawdown Current decline from peak	-34.29%	-40.06%	+5.77%
Average Drawdown Average peak-to-trough decline	-12.71%	-25.26%	+12.55%
Ulcer Index Depth and duration of drawdowns from previous peaks	13.57%	14.76%	-1.19%

Volatility

FFIN vs. UFPI - Volatility Comparison

The current volatility for First Financial Bankshares, Inc. (FFIN) is 5.82%, while UFP Industries, Inc. (UFPI) has a volatility of 10.14%. This indicates that FFIN experiences smaller price fluctuations and is considered to be less risky than UFPI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FFIN	UFPI	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.82%	10.14%	-4.32%
Volatility (6M) Calculated over the trailing 6-month period	17.89%	21.64%	-3.75%
Volatility (1Y) Calculated over the trailing 1-year period	25.53%	29.63%	-4.10%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	30.97%	32.67%	-1.70%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	32.17%	35.02%	-2.85%

Dividends

FFIN vs. UFPI - Dividend Comparison

FFIN's dividend yield for the trailing twelve months is around 2.33%, more than UFPI's 1.75% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FFIN First Financial Bankshares, Inc.	2.33%	2.51%	2.00%	2.34%	1.92%	1.14%	1.41%	1.32%	1.42%	1.66%	1.55%	2.06%
UFPI UFP Industries, Inc.	1.75%	1.54%	1.17%	0.88%	1.20%	0.71%	0.90%	0.84%	1.39%	0.85%	0.85%	1.20%

Financials

FFIN vs. UFPI - Profitability Comparison

The chart below illustrates the profitability comparison between First Financial Bankshares, Inc. and UFP Industries, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

FFIN - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, First Financial Bankshares, Inc. reported a gross profit of 164.60M and revenue of 215.04M. Therefore, the gross margin over that period was 76.5%.

UFPI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, UFP Industries, Inc. reported a gross profit of 235.89M and revenue of 1.46B. Therefore, the gross margin over that period was 16.1%.

FFIN - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, First Financial Bankshares, Inc. reported an operating income of 87.83M and revenue of 215.04M, resulting in an operating margin of 40.8%.

UFPI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, UFP Industries, Inc. reported an operating income of 62.43M and revenue of 1.46B, resulting in an operating margin of 4.3%.

FFIN - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, First Financial Bankshares, Inc. reported a net income of 71.54M and revenue of 215.04M, resulting in a net margin of 33.3%.

UFPI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, UFP Industries, Inc. reported a net income of 50.77M and revenue of 1.46B, resulting in a net margin of 3.5%.

Frequently Asked Questions

Can I hold both FFIN and UFPI in my portfolio?

FFIN and UFPI have a correlation of 0.51, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, FFIN or UFPI?

UFPI has higher volatility (10.14%) compared to FFIN (5.82%). In terms of maximum drawdown, FFIN dropped -55.97% vs UFPI's -80.64%.

Which has better risk-adjusted returns?

FFIN currently has the higher Sharpe Ratio (-0.20 vs -0.47), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.