FFIN vs. VTI
FFIN (First Financial Bankshares, Inc.) is a stock, while VTI (Vanguard Total Stock Market ETF) is Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Over the past 10 years, FFIN returned 9.68%/yr vs 14.63%/yr for VTI. Their 0.59 correlation means they have sometimes moved together and sometimes differently.
Performance
FFIN vs. VTI - Performance Comparison
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Returns By Period
In the year-to-date period, FFIN achieves a 19.19% return, which is significantly higher than VTI's 10.49% return. Over the past 10 years, FFIN has underperformed VTI with an annualized return of 9.68%, while VTI has yielded a comparatively higher 14.63% annualized return.
FFIN
- 1D
- 0.63%
- 1M
- 0.75%
- 6M
- 11.89%
- YTD
- 19.19%
- 1Y
- 5.75%
- 3Y*
- 4.87%
- 5Y*
- -4.42%
- 10Y*
- 9.68%
- ALL TIME*
- 12.71%
VTI
- 1D
- 0.53%
- 1M
- -0.15%
- 6M
- 8.77%
- YTD
- 10.49%
- 1Y
- 21.84%
- 3Y*
- 18.92%
- 5Y*
- 11.74%
- 10Y*
- 14.63%
- ALL TIME*
- 9.58%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $26.96M | $28.08M | $30.58M | |
| $1.06B | $1.16B | $1.24B |
FFIN vs. VTI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FFIN First Financial Bankshares, Inc. | 19.19% | -15.32% | 21.58% | -9.79% | -31.21% | 42.23% | 4.88% | 23.48% | 29.95% | 1.45% |
VTI Vanguard Total Stock Market ETF | 10.49% | 17.10% | 23.81% | 26.05% | -19.52% | 25.68% | 21.08% | 30.67% | -5.23% | 21.21% |
Correlation
The correlation between FFIN and VTI is 0.30, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.30 |
Correlation (3Y) Balances recent behavior with more history. | 0.45 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.53 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.53 |
Correlation (All Time) Calculated using the full available price history since May 31, 2001 | 0.59 |
Over the past year, the correlation between FFIN and VTI has dropped to 0.30 - well below their long-term average of 0.59, suggesting their price drivers have been diverging.
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Return for Risk
FFIN vs. VTI — Risk / Return Rank
FFIN
VTI
FFIN vs. VTI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for First Financial Bankshares, Inc. (FFIN) and Vanguard Total Stock Market ETF (VTI). 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.
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 | VTI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.36 | ||
| Sortino ratioReturn per unit of downside risk | -1.72 | ||
| Omega ratioGain probability vs. loss probability | 1.05 | 1.27 | -0.22 |
| Calmar ratioReturn relative to maximum drawdown | 0.17 | 2.23 | -2.06 |
| Martin ratioReturn relative to average drawdown | 0.29 | 9.62 | -9.33 |
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Drawdowns
FFIN vs. VTI - Drawdown Comparison
The maximum FFIN drawdown since its inception was -55.97%, roughly equal to the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for FFIN and VTI.
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Drawdown Indicators
| FFIN | VTI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.97% | -55.45% | -0.52% |
Max Drawdown (1Y)Largest decline over 1 year | -23.37% | -8.92% | -14.45% |
Max Drawdown (3Y)Largest decline over 3 years | -31.38% | -19.30% | -12.08% |
Max Drawdown (5Y)Largest decline over 5 years | -55.97% | -25.36% | -30.61% |
Max Drawdown (10Y)Largest decline over 10 years | -55.97% | -35.00% | -20.97% |
Current DrawdownCurrent decline from peak | -28.78% | -1.36% | -27.42% |
Average DrawdownAverage peak-to-trough decline | -12.80% | -7.99% | -4.81% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 13.79% | 2.07% | +11.72% |
Volatility
FFIN vs. VTI - Volatility Comparison
First Financial Bankshares, Inc. (FFIN) has a higher volatility of 6.94% compared to Vanguard Total Stock Market ETF (VTI) at 3.46%. This indicates that FFIN's price experiences larger fluctuations and is considered to be riskier than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FFIN | VTI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.94% | 3.46% | +3.48% |
Volatility (6M)Calculated over the trailing 6-month period | 18.08% | 10.24% | +7.84% |
Volatility (1Y)Calculated over the trailing 1-year period | 25.55% | 13.10% | +12.45% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 30.74% | 17.51% | +13.23% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 32.05% | 18.30% | +13.75% |
Dividends
FFIN vs. VTI - Dividend Comparison
FFIN's dividend yield for the trailing twelve months is around 2.25%, more than VTI's 1.06% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FFIN First Financial Bankshares, Inc. | 2.25% | 2.51% | 2.00% | 2.34% | 1.92% | 1.14% | 1.41% | 1.32% | 1.42% | 1.66% | 1.55% | 2.06% |
VTI Vanguard Total Stock Market ETF | 1.06% | 1.12% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% |
Frequently Asked Questions
FFIN and VTI have a correlation of 0.30, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FFIN has higher volatility (6.94%) compared to VTI (3.46%). In terms of maximum drawdown, FFIN dropped -55.97% vs VTI's -55.45%.
VTI currently has the higher Sharpe Ratio (1.52 vs 0.16), 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.
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