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Texas-based bank holding company known for conservative underwriting, operating multiple community bank charters across Texas.
Texas-based bank holding company known for conservative underwriting, operating multiple community bank charters across Texas.
Earns mostly from the gap between interest on loans and securities and the low cost of deposits gathered from towns and cities across Texas, with trust and wealth fees as the next-largest source. Growth has long come from both organic lending and buying small Texas banks, and its reputation rests on losses that stay low through downturns.
Moat: narrow (brand, scale, distribution). Multi-charter community bank model and reputation for asset quality versus larger regional bank competitors.
Headquarters: Abilene, Texas, United States · Founded: 1890 · Employees: 1,600
Size First Financial Bankshares (FFIN) is a United States Financials company (Major Banks) with a market value of $4.36B, the 1290th largest of 3,117 United States companies the cockpit tracks. Shares closed at $30.41 on 6 Nov 2026.
Performance Over six months the shares fell 5.7%, against +6.8% for the median peer and -1.1% for the United States market (cap-weighted) — 3rd lowest of 21 in its peer set.
Growth Revenue grew 8.0% over the last twelve months (peer median +15.0%); the operating margin is 52.5% (peer median 35.3%).
Valuation It trades at 2.38× book value against a peer median of 1.04× (2nd most expensive of 21).
Price implies The share price implies a return on equity of about 17.0%; First Financial Bankshares delivers 15.9%, so the price asks more than the business earns today.
Short interest Short interest is 6.5% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $878M | $836M | $755M | $637M | $567M |
| Revenue growth | — | +11% | +18% | +12% | — |
| Net income | $291M | $254M | $224M | $199M | $234M |
| Free cash flow | n/a | $307M | $287M | $270M | $283M |
| Capital expenditure | n/a | $13.4M | $16.7M | $17.3M | $15.8M |
| Total debt | $64.9M | $84.6M | $197M | $404M | $643M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| First Financial Bankshares FFIN | $4.36B | -6% | +8% | 16% | 2.38× | 17.0% |
| Cullen/Frost Bankers CFR | $9.65B | +12% | +2% | 16% | 2.52× | 14.2% |
| Prosperity Bancshares, Inc.(R) PB | $8.60B | +4% | +19% | 6% | 0.88× | 7.5% |
| Independent Bank INDB | $3.94B | +8% | +25% | 9% | 1.14× | 9.5% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | FFIN | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -3.2% | +1.3% | 9th lowest of 21 |
| 6-month return | -5.7% | +6.8% | 3rd lowest of 21 |
| Return on equity | 15.9% | 10.0% | 4th highest of 21 |
| Price / book | 2.38× | 1.04× | 2nd most expensive of 21 |
| Trailing P/E | 15.0× | 12.3× | 7th most expensive of 20 |
| ROE the price implies | 17.0% | 9.5% | 2nd most demanding of 19 |
| ROE delivered | 15.9% | 10.1% | 4th highest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| First Financial Bankshares FFIN | United States | $4.36B | -6% | +8% | 16% | 2.38× | 17.0% | 15.9% |
| Texas Capital Bancshares TCBI | United States | $4.39B | +1% | +3% | 10% | 1.34× | 9.8% | 10.2% |
| Liechtensteinische Landesbank LLBN.SW | Switzerland | $4.40B | +24% | -2% | 8% | 1.48× | n/a | 7.7% |
| Flagstar Bank, National Association FLG | United States | $4.21B | -26% | -18% | 1% | 0.59× | 7.4% | 1.2% |
| Banco Macro SA Sponsored ADR BMA | United States | $4.53B | -21% | +4% | 7% | 0.87× | 11.3% | 7.5% |
| Fulton Financial FULT | United States | $4.54B | +11% | +3% | 12% | 1.29× | 10.5% | 11.6% |
| 77 Bank 8341.T | Japan | $4.66B | +7% | +21% | 9% | 0.95× | 5.9% | 9.4% |
| Kyushu Financial 7180.T | Japan | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% | 4.9% |
| Sparebanken Norge SBNOR.OL | Norway | $3.78B | +8% | +62% | 7% | 0.71× | 6.1% | n/a |
| Daishi Hokuetsu Financial 7327.T | Japan | $3.73B | +9% | +18% | 9% | 0.94× | 6.3% | 8.6% |
| Bank of Chongqing 1963.HK | Hong Kong | $5.11B | +1% | +10% | 10% | 0.41× | 4.2% | 9.9% |
| JB Financial 175330.KS | South Korea | $3.67B | 0% | +9% | 13% | 0.94× | 5.3% | n/a |
| TBC Bank TBCG.L | United Kingdom | $3.64B | +11% | +16% | 24% | 1.40× | 15.7% | 23.8% |
| St.Galler Kantonalbank SGKN.SW | Switzerland | $5.22B | +19% | -13% | 8% | 1.37× | n/a | 7.6% |
| Axos Financial AX | United States | $5.26B | +7% | +18% | 17% | 1.60× | 16.5% | 16.7% |
| Nicolet Bankshares NIC | United States | $3.60B | +18% | +46% | 10% | 1.62× | 11.5% | 10.2% |
| Grupo Aval Acciones y Valores SA Sponsored ADR Pfd AVAL | United States | $5.29B | -5% | +15% | 11% | 0.95× | 7.8% | 10.8% |
| Dave DAVE | United States | $3.55B | +9% | +49% | 105% | 17.09× | 291.2% | 104.8% |
| Community Financial System CBU | United States | $3.39B | +1% | +7% | 12% | 1.67× | 12.5% | 11.8% |
| Simmons First National SFNC | United States | $3.37B | +10% | +122% | 8% | 1.01× | 9.7% | 7.8% |
| Associated Banc-Corp ASB | United States | $5.64B | +6% | +23% | 10% | 1.07× | 9.3% | 10.2% |