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
$5B
20.72
$1.71
0.88
$0.73
2.15%
Price and volume
Market cap
$5B
Beta
0.88
52-week high
$42.70
52-week low
$30.58
Average daily volume
521K
Dividend rate
$0.73
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)
20.72
Price to revenue (TTM)
8.755
Price to book
2.9
Price to tangible book (TTM)
3.54
Price to free cash flow (TTM)
17.416
Free cash flow yield (TTM)
5.74%
Free cash flow per share (TTM)
2.034
Dividend yield (TTM)
2.06%
Forward dividend yield
2.15%
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
First Financial Bankshares reported Q2 2025 net income of $66.66 million, up 27% year over year, with EPS of $0.47 topping the $0.44 consensus, reflecting strong revenue growth from loans and trust services (Investing.com)
The bank’s net interest margin rose to 3.81% in Q2 2025 from 3.48% a year earlier, driven by higher yields on loans and securities, showing effective asset-liability management in a rising-rate environment (Investing.com)
Loan balances reached $8.07 billion as of June 30, 2025, a 6.53% annualized increase, while deposits climbed to $12.50 billion, underpinning strong balance sheet growth and liquidity (Investing.com)
Major regional banks like Huntington Bancshares are entering the Texas market, as seen with its $1.9 billion acquisition of Veritex, which will likely heighten competition for deposits and commercial loans against FFIN (Reuters)
Rising borrower stress across the industry has resulted in modified loans quadrupling to $55 billion and lower reserve coverage, indicating FFIN could face delayed credit losses even though current net charge-offs remain low (Reuters)
FFIN’s focus on Texas makes it vulnerable to regional economic swings, and recent figures show Texas construction contract values dropped 26% over five months, which could affect FFIN’s large construction and development loan portfolio (Dallas Fed)
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 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
Oct1
First Financial Bank
DividendPayment
$0.19Per share
FAQs
What’s the current market cap for First Financial Bank stock?
First Financial Bank (FFIN) has a market cap of $5B as of September 17, 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 20.72 as of September 17, 2025.
Does First Financial Bank stock pay dividends?
Yes, the First Financial Bank (FFIN) stock pays dividends to shareholders. As of September 17, 2025, the dividend rate is $0.73 and the yield is 2.15%. 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 is scheduled for October 01, 2025.
What is the beta indicator for First Financial Bank?
First Financial Bank (FFIN) has a beta rating of 0.88. 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.