First Financial Bank/$FFIN
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About First Financial Bank
First Financial Bankshares Inc is a financial and bank holding company. The company operates one line of business (community banking) located in a single geographic area (Texas). The company conducts a full-service commercial banking business through its subsidiaries. The loan portfolio segments of the company include Commercial and Industrial, Municipal, Agricultural, Construction and Development, Farm, Non-Owner Occupied and Owner Occupied Commercial Real Estate, Residential, Consumer Auto and Consumer Non-Auto. It derives maximum revenue from Construction and Development Segment.
Ticker
$FFIN
Sector
Primary listing
Employees
1,450
Headquarters
Website
FFIN Metrics
BasicAdvanced
$4.6B
18.85
$1.71
0.86
$0.74
2.36%
Price and volume
Market cap
$4.6B
Beta
0.86
52-week high
$42.70
52-week low
$30.58
Average daily volume
520K
Dividend rate
$0.74
Financial strength
Dividend payout ratio (TTM)
41.92%
Profitability
Net profit margin (TTM)
42.47%
Operating margin (TTM)
55.67%
Effective tax rate (TTM)
18.18%
Revenue per employee (TTM)
$400,000
Management effectiveness
Return on assets (TTM)
1.78%
Return on equity (TTM)
15.09%
Valuation
Price to earnings (TTM)
18.855
Price to revenue (TTM)
7.967
Price to book
2.64
Price to tangible book (TTM)
3.22
Price to free cash flow (TTM)
15.848
Free cash flow yield (TTM)
6.31%
Free cash flow per share (TTM)
2.034
Dividend yield (TTM)
2.30%
Forward dividend yield
2.36%
Growth
Revenue change (TTM)
16.40%
Earnings per share change (TTM)
21.27%
3-year revenue growth (CAGR)
3.78%
3-year earnings per share growth (CAGR)
2.03%
10-year earnings per share growth (CAGR)
8.74%
3-year dividend per share growth (CAGR)
5.60%
10-year dividend per share growth (CAGR)
9.67%
What the Analysts think about FFIN
Analyst ratings (Buy, Hold, Sell) for First Financial Bank stock.
Bulls say / Bears say
Robust capital buffers: FFIN reported a Common Equity Tier 1 capital ratio of 19.16% at June 30, 2025, far exceeding regulatory minima and providing strong loss-absorption capacity (First Financial IR)
Improving interest margins: Net interest margin expanded to 3.81% in Q2 2025 from 3.48% in Q2 2024, driving a 19.8% year-over-year increase in net interest income to $123.73 million (Nasdaq)
Strong balance-sheet growth: Loans grew 6.53% annualized quarter-over-quarter to $8.07 billion in Q2 2025, while deposits grew 5.57% annualized year-to-date, underpinning continued net interest income expansion (Marketchameleon)
High concentration in commercial real estate (CRE): Texas community banks hold 55% of their loans in CRE versus 42% for regional peers, and FFIN derives its largest revenue from construction and development loans, leaving it vulnerable to CRE market downturns (Dallas Fed)
Rising asset-quality pressure: FFIN’s provision for credit losses jumped to $3.53 million in Q1 2025 from $808 thousand in Q1 2024, while nonperforming assets rose to 0.78% of loans, signaling potential credit deterioration (Investing.com)
Limited geographic diversification amid sector consolidation: FFIN operates solely in Texas, putting it at a competitive disadvantage as U.S. regional banks pursue mergers to achieve scale and cost efficiencies (Financial Times)
Data summarised monthly by Lightyear AI. Last updated on 10 Oct 2025.
FFIN Financial Performance
Revenues and expenses
FFIN Earnings Performance
Company profitability
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for First Financial Bank stock?
First Financial Bank (FFIN) has a market cap of $4.6B as of October 22, 2025.
What is the P/E ratio for First Financial Bank stock?
The price to earnings (P/E) ratio for First Financial Bank (FFIN) stock is 18.85 as of October 22, 2025.
Does First Financial Bank stock pay dividends?
Yes, the First Financial Bank (FFIN) stock pays dividends to shareholders. As of October 22, 2025, the dividend rate is $0.74 and the yield is 2.36%. First Financial Bank has a payout ratio of 41.92% on a trailing twelve-month basis.
When is the next First Financial Bank dividend payment date?
The next First Financial Bank (FFIN) dividend payment date is unconfirmed.
What is the beta indicator for First Financial Bank?
First Financial Bank (FFIN) has a beta rating of 0.86. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.