MGRC vs. FFIN

Last updated Jun 3, 2026

MGRC (McGrath RentCorp) and FFIN (First Financial Bankshares, Inc.) are both stocks. MGRC operates in Rental & Leasing Services (Industrials), while FFIN operates in Banks - Regional (Financial Services). Over the past 10 years, MGRC returned 16.83%/yr vs 8.93%/yr for FFIN. At a 0.38 correlation, their price movements are largely independent.

Performance

MGRC vs. FFIN - Performance Comparison

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

Returns By Period

In the year-to-date period, MGRC achieves a 2.79% return, which is significantly lower than FFIN's 9.98% return. Over the past 10 years, MGRC has outperformed FFIN with an annualized return of 16.83%, while FFIN has yielded a comparatively lower 8.93% annualized return.

MGRC

• 1D: -0.54%
• 1M: -2.24%
• YTD: 2.79%
• 6M: 6.74%
• 1Y: -4.89%
• 3Y*: 6.72%
• 5Y*: 7.03%
• 10Y*: 16.83%

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%

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

MGRC vs. FFIN - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
MGRC McGrath RentCorp	2.79%	-4.57%	-4.92%	23.51%	25.82%	22.33%	-9.95%	53.14%	12.22%	23.27%
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%

Correlation

The correlation between MGRC and FFIN is 0.44, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.44
Correlation (3Y) Calculated over the trailing 3-year period	0.41
Correlation (5Y) Calculated over the trailing 5-year period	0.45
Correlation (10Y) Calculated over the trailing 10-year period	0.49
Correlation (All Time) Calculated using the full available price history since Nov 2, 1993	0.38

The correlation between MGRC and FFIN shifts across timeframes, from 0.38 (all time) to 0.49 (10 years), reflecting how their relationship changes across market environments.

Fundamentals

Market Cap MGRC : $2.64B FFIN : $4.69B
EPS MGRC : $6.30 FFIN : $1.84
PE Ratio MGRC : 16.99 FFIN : 17.72
PEG Ratio MGRC : 0.87 FFIN : 5.22
PS Ratio MGRC : 2.78 FFIN : 5.52
PB Ratio MGRC : 2.13 FFIN : 2.41
Total Revenue (TTM) MGRC : $947.36M FFIN : $847.17M
Gross Profit (TTM) MGRC : $450.22M FFIN : $615.88M
EBITDA (TTM) MGRC : $322.20M FFIN : $329.11M

Return for Risk

MGRC vs. FFIN — Risk / Return Rank

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

MGRC

MGRC Risk / Return Rank: 32
MGRC Sharpe Ratio Rank: 33
MGRC Sortino Ratio Rank: 28
MGRC Omega Ratio Rank: 28
MGRC Calmar Ratio Rank: 37
MGRC Martin Ratio Rank: 35

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

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.

MGRC vs. FFIN - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for McGrath RentCorp (MGRC) and First Financial Bankshares, Inc. (FFIN). 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.

	MGRC	FFIN	Difference
Sharpe ratio Return per unit of total volatility	-0.17	-0.20	+0.03
Sortino ratio Return per unit of downside risk	-0.05	-0.10	+0.06
Omega ratio Gain probability vs. loss probability	0.99	0.99	+0.01
Calmar ratio Return relative to maximum drawdown	-0.13	-0.23	+0.10
Martin ratio Return relative to average drawdown	-0.28	-0.39	+0.11
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

MGRC vs. FFIN - Sharpe Ratio Comparison

The current MGRC Sharpe Ratio is -0.17, which is comparable to the FFIN Sharpe Ratio of -0.20. The chart below compares the historical Sharpe Ratios of MGRC and FFIN, 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

	MGRC	FFIN	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.17	-0.20	+0.03
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.27	-0.22	+0.49
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.55	0.28	+0.27
Sharpe Ratio (All Time) Calculated using the full available price history	0.35	0.37	-0.02

Drawdowns

MGRC vs. FFIN - Drawdown Comparison

The maximum MGRC drawdown since its inception was -64.80%, which is greater than FFIN's maximum drawdown of -55.97%. Use the drawdown chart below to compare losses from any high point for MGRC and FFIN.

Drawdown Indicators

	MGRC	FFIN	Difference
Max Drawdown Largest peak-to-trough decline	-64.80%	-55.97%	-8.83%
Max Drawdown (1Y) Largest decline over 1 year	-24.87%	-23.37%	-1.50%
Max Drawdown (3Y) Largest decline over 3 years	-24.91%	-31.38%	+6.47%
Max Drawdown (5Y) Largest decline over 5 years	-24.91%	-55.97%	+31.06%
Max Drawdown (10Y) Largest decline over 10 years	-43.97%	-55.97%	+12.00%
Current Drawdown Current decline from peak	-15.28%	-34.29%	+19.01%
Average Drawdown Average peak-to-trough decline	-15.53%	-12.71%	-2.82%
Ulcer Index Depth and duration of drawdowns from previous peaks	11.40%	13.57%	-2.17%

Volatility

MGRC vs. FFIN - Volatility Comparison

McGrath RentCorp (MGRC) has a higher volatility of 6.19% compared to First Financial Bankshares, Inc. (FFIN) at 5.82%. This indicates that MGRC's price experiences larger fluctuations and is considered to be riskier than FFIN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	MGRC	FFIN	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.19%	5.82%	+0.37%
Volatility (6M) Calculated over the trailing 6-month period	20.48%	17.89%	+2.59%
Volatility (1Y) Calculated over the trailing 1-year period	28.51%	25.53%	+2.98%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	26.46%	30.97%	-4.51%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	30.58%	32.17%	-1.59%

Dividends

MGRC vs. FFIN - Dividend Comparison

MGRC's dividend yield for the trailing twelve months is around 1.82%, less than FFIN's 2.33% 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%
MGRC McGrath RentCorp	1.82%	1.84%	1.69%	1.55%	1.82%	2.15%	2.44%	2.40%	2.49%	2.20%	2.59%	3.95%

Financials

MGRC vs. FFIN - Profitability Comparison

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

MGRC - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, McGrath RentCorp reported a gross profit of 96.89M and revenue of 198.54M. Therefore, the gross margin over that period was 48.8%.

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%.

MGRC - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, McGrath RentCorp reported an operating income of 43.40M and revenue of 198.54M, resulting in an operating margin of 21.9%.

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%.

MGRC - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, McGrath RentCorp reported a net income of 27.03M and revenue of 198.54M, resulting in a net margin of 13.6%.

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%.

Frequently Asked Questions

Can I hold both MGRC and FFIN in my portfolio?

MGRC and FFIN have a correlation of 0.44, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, MGRC or FFIN?

MGRC has higher volatility (6.19%) compared to FFIN (5.82%). In terms of maximum drawdown, MGRC dropped -64.80% vs FFIN's -55.97%.

Which has better risk-adjusted returns?

MGRC currently has the higher Sharpe Ratio (-0.17 vs -0.20), 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.