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First Financial Bankshares, Inc. (FFIN) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

First Financial Bankshares, Inc.

FFINMarket cap $4.47BPrice $31.4

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs a network of Texas community banks offering commercial lending, wealth management, and deposit services. Has stayed profitable through every downturn since the 1980s without a single unprofitable year, a rarity among regional banks.

In Bastion Portfolios?

52W Return+1%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+5%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+10%–

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1+17%8

EPS Growth Y+2+6%5

EPS Growth Y+3+7%6

Quality

Margins

EBIT Margin0%6

Net Income Margin42%10

Free Cash Flow Margin51%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE14%6

ROA2%4

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)156

P/E Ratio (Forward 3y)135

P/BV2.26

EV Multiples

EV/EBITDA Fwd06

EV/EBIT Fwd06

Yield

Free Cash Flow Yield0.0%7

Dividend Yield2.8%7

Momentum

Short term

1 month return-5%5

3 month return-7%4

YTD return+7%6

Mid term

Price vs 52wHigh87%7

1 year return-4%4

Long term

3 year return+36%5

5 year return-26%2

Risk Shield

Price Risk

Beta0.85

Volatility24%8

Free Cash Flow

Free Cash Flow Margin51%10

Free Cash Flow Yield0.0%7

Quality

ROCE18%4

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

FFINFirst Financial Bankshares

Revenue FY25$618M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+5%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+10%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+17%8

EPS growth, FY27E+6%5

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 5%/yr over the last 3 years and is set to grow 10%/yr from here.

Earnings are set to grow in step with sales (EPS about 7%/yr vs revenue 10%/yr).

WATCH

Revenue is set to grow 10%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK33 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-7%4

YTD return+7%6

MID & LONG-TERM▾SCORE

% of 52-week high87%7

1-year return-4%4

3-year return+36%5

5-year return-26%2

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's down 4% over the past year, now 13% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-5%), over three months (-7%) and so far this year (+7%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (+36% over three years and -26% over five), behind 60% of the market.

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on First Financial Bankshares, Inc.. Get the full investment case.

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Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

FFINFirst Financial Bankshares

Revenue FY25$618M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+5%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+10%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+17%8

EPS growth, FY27E+6%5

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 5%/yr over the last 3 years and is set to grow 10%/yr from here.

Earnings are set to grow in step with sales (EPS about 7%/yr vs revenue 10%/yr).

WATCH

Revenue is set to grow 10%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK33 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-7%4

YTD return+7%6

MID & LONG-TERM▾SCORE

% of 52-week high87%7

1-year return-4%4

3-year return+36%5

5-year return-26%2

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's down 4% over the past year, now 13% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-5%), over three months (-7%) and so far this year (+7%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (+36% over three years and -26% over five), behind 60% of the market.

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on First Financial Bankshares, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community