Skip to main content
    F

    First Financial Bankshares Inc (FFIN)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $31.59
    +0.70 (+2.27%)

    Market Cap: $4.43B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    79%(31/39)
    Avg Surprise
    +2.06%
    Streak
    3 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.52
    Range$0.52 - $0.53
    7 analysts
    EPS Revisions
    3
    0
    7d
    2
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.52+1.2%
    60d ago$0.52-0.1%
    30d ago$0.52-0.1%
    7d ago$0.520.0%
    Current$0.52
    Revenue Consensus
    $179M
    Range$175M - $181M
    6 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.55
    Range$0.54 - $0.56
    7 analysts
    Revenue Consensus
    $188M
    Range$174M - $191M
    6 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.55---
    Sep 26EST
    		-$0.52---
    Jun 26
    Reported Jul 16
    		$0.50$0.50+0.00%Beat+6.4%
    Mar 26
    Reported Apr 16
    		$0.50$0.47+6.38%Beat+16.3%
    Dec 25
    Reported Jan 22
    		$0.51$0.48+6.25%Beat+18.6%
    Sep 25
    Reported Oct 23
    		$0.36$0.47-23.40%Miss-7.7%
    Jun 25
    Reported Jul 17
    		$0.47$0.44+6.82%Beat+27.0%
    Mar 25
    Reported Apr 17
    		$0.43$0.43+0.00%Beat+53.6%
    Dec 24
    Reported Jan 23
    		$0.43$0.40+7.50%Beat+34.4%
    Sep 24
    Reported Oct 17
    		$0.39$0.39+0.00%Beat+11.4%
    Jun 24
    Reported Jul 18
    		$0.37$0.36+2.78%Beat+2.8%
    Mar 24
    Reported Apr 18
    		$0.28$0.35-20.00%Miss-24.3%
    Dec 23
    Reported Jan 25
    		$0.32$0.34-5.88%Miss-22.0%
    Sep 23
    Reported Oct 19
    		$0.35$0.36-2.78%Miss-14.6%
    Jun 23
    Reported Jul 20
    		$0.36$0.36+0.00%Beat-14.3%
    Mar 23
    Reported Apr 20
    		$0.37$0.39-5.13%Miss-5.1%
    Dec 22
    Reported Jan 19
    		$0.41$0.41+0.00%Beat+5.1%
    Sep 22
    Reported Oct 20
    		$0.41$0.41+0.00%Beat+0.0%
    Jun 22
    Reported Jul 21
    		$0.42$0.40+5.00%Beat+7.7%
    Mar 22
    Reported Apr 21
    		$0.39$0.37+5.41%Beat-2.5%
    Dec 21
    Reported Jan 27
    		$0.39$0.38+2.63%Beat-4.9%
    Sep 21
    Reported Oct 21
    		$0.41$0.38+7.89%Beat+10.8%
    Jun 21
    Reported Jul 22
    		$0.39$0.38+2.63%Beat+5.4%
    Mar 21
    Reported Apr 22
    		$0.40$0.37+8.11%Beat+53.8%
    Dec 20
    Reported Jan 28
    		$0.41$0.37+10.81%Beat+32.3%
    Sep 20
    Reported Oct 22
    		$0.37$0.34+8.82%Beat+15.6%
    Jun 20
    Reported Jul 23
    		$0.37$0.26+42.31%Beat+19.4%
    Mar 20
    Reported Apr 23
    		$0.26$0.29-10.34%Miss-7.1%
    Dec 19
    Reported Jan 23
    		$0.31$0.30+3.33%Beat+6.9%
    Sep 19
    Reported Oct 17
    		$0.32$0.31+3.23%Beat+6.7%
    Jun 19
    Reported Jul 18
    		$0.31$0.29+6.90%Beat+10.7%
    Mar 19
    Reported Apr 18
    		$0.28$0.28+0.00%Beat+21.7%
    Dec 18
    Reported Jan 24
    		$0.29$0.29+0.00%Beat+38.1%
    Sep 18
    Reported Oct 18
    		$0.30$0.28+7.14%Beat+36.4%
    Jun 18
    Reported Jul 19
    		$0.28$0.26+7.69%Beat+27.3%
    Mar 18
    Reported Apr 19
    		$0.23$0.24-4.17%Miss+15.0%
    Dec 17
    Reported Jan 25
    		$0.21$0.22-4.55%Miss+5.0%
    Sep 17
    Reported Oct 19
    		$0.22$0.22+0.00%Beat-
    Jun 17
    Reported Jul 20
    		$0.22$0.21+4.76%Beat-
    Mar 17
    Reported Apr 20
    		$0.20$0.20+0.00%Beat-
    Dec 16
    Reported Jan 26
    		$0.20$0.20+0.00%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.79%
    Forward Annual Dividend$0.88
    Payout Ratio43.69%
    FrequencyQuarterly
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+4.35%
    5Y CAGR+8.02%
    FFIN dividend history and ex-dividend datesRun FFIN in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio16.89EV/EBITDA11.43x
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin42.20%Operating Margin56.00%
    ROE14.40%ROIC12.98%
    Financial Health
    Debt/Equity0.04xInterest Coverage1.63x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.83Avg Volume947.71K
    52-Week High$36.2852-Week Low$27.75

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$31.38
    SMA 20$31.77
    SMA 50$32.88
    SMA 200$32.29
    EMA 10$31.35
    EMA 20$31.74
    EMA 50$32.52
    EMA 200$32.66

    MACD

    Line: -0.53Signal: -0.52Hist: -0.01

    ADX

    ADX: 43.8+DI: 15.9-DI: 30.9

    Aroon & PSAR

    Aroon Up16.0
    Aroon Down96.0
    PSAR$32.05

    Bollinger Bands

    Upper Band$33.01
    Lower Band$30.54
    %B Position776%(Upper)
    Band Width0.43

    RSI (14-Day)

    Neutral
    44.3

    Momentum Oscillators

    Stoch %K32.8
    Stoch %D16.7
    Williams %R-39.3
    ROC (10d)-0.5%
    Momentum-0.16
    CCI (20d)-49.5
    MFI (14d)17.6

    Volatility Measures

    ATR (14d)$0.63(2.0%)
    StdDev (20d)0.62
    Hist Vol16.6%(Low)

    Volume Flow

    VWAP$31.42
    OBV9.2M
    AD Line-222.0M
    CMF (20d)-0.082

    Volume Metrics

    Avg Vol (20d)948.1K
    Vol Ratio0.8x
    VWMA (20d)$31.76

    Pivot Points

    R3$31.76
    R2$31.34
    R1$31.11
    Pivot Point$30.69
    S1$30.46
    S2$30.04
    S3$29.81

    Advanced Oscillators

    TSI-28.77
    Ultimate Osc46.9
    KST-51.80

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$172.76M$166.89M$164.72M$161.26M$156.60M$149.02M$147.09M$139.47M$134.54M$129.63M$119.49M$122.22M
    Cost of RevenueN/A$50.45M$51.50M$77.13M$52.21M$51.85M$50.68M$58.97M$56.29M$50.06M$44.70M$43.48M
    Gross ProfitN/A$164.60M$164.72M$133.10M$153.47M$141.82M$142.64M$129.88M$125.18M$125.52M$116.08M$116.45M
    Operating Expenses$81.11M$76.77M$77.66M$73.67M$71.73M$70.33M$70.10M$66.01M$65.01M$63.94M$63.47M$59.54M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$87.83M$89.55M$63.16M$81.74M$75.16M$75.99M$67.07M$63.64M$64.88M$56.01M$60.40M
    Interest Income$185.96M$182.94M$182.87M$179.69M$172.81M$167.11M$165.79M$159.96M$153.67M$149.50M$142.21M$135.35M
    Interest Expense$49.05M$48.15M$51.50M$52.69M$49.08M$48.32M$49.67M$52.85M$50.40M$49.25M$44.70M$41.20M
    Income Before Tax$87.47M$87.83M$89.55M$63.16M$81.74M$75.16M$75.99M$67.34M$63.64M$64.88M$56.01M$60.40M
    Income Tax Expense$15.57M$16.29M$16.24M$10.90M$15.08M$13.81M$13.67M$12.03M$11.16M$11.48M$10.03M$10.85M
    Net Income$71.89M$71.54M$73.31M$52.27M$66.66M$61.35M$62.32M$55.31M$52.48M$53.40M$45.98M$49.56M
    EBITDA$99.97M$99.26M$101.81M$76.72M$94.61M$88.16M$90.18M$82.20M$78.37M$79.25M$71.27M$76.65M
    EBIT$87.47M$87.83M$89.55M$63.16M$81.74M$75.16M$75.99M$67.34M$63.64M$64.88M$56.01M$60.40M
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

    No research available

    Be the first to write about FFIN

    News

    First Financial Bankshares reports in-line Q3 earnings, but revenue misses estimates

    First Financial Bankshares (NASDAQ:FFIN) reported Q3 earnings per share of $0.52, meeting analyst expectations. However...

    Investing.com•10/15/26•Neutral

    Cantor Fitzgerald cuts target for First Financial Bankshares stock to USD 34.00

    Cantor Fitzgerald has lowered its price target for First Financial Bankshares (FFIN) from USD 35.00 to USD 34.00, while maintaining a Neutral rating. The stock's current price is EUR 28.10 (USD 31.55 on Nasdaq)...

    ad-hoc-news.de•10/15/26•Somewhat-Bearish

    A Texas bank reports record quarterly net income of $74.31 million

    First Financial Bankshares (NASDAQ: FFIN) announced record third-quarter 2026 net income of $74.31 million, an increase from $52.27 million in the prior year and $71.89 million sequentially...

    Stock Titan•10/15/26•Neutral

    First Financial Bankshares (FFIN) Projected to Announce Earnings on Thursday

    First Financial Bankshares (FFIN) is expected to report its Q3 2026 earnings on Thursday, October 22nd, with analysts forecasting EPS of $0.521 and revenue of $178.65 million. The stock currently trades below its 50-day...

    MarketBeat•10/15/26•Neutral

    Raymond James initiates First Financial Bankshares stock coverage at Market Perform

    Raymond James has initiated coverage on First Financial Bankshares (NASDAQ:FFIN) with a Market Perform rating, citing the bank's premium valuation supported by strong profitability, a low-cost deposit base...

    Investing.com Canada•10/14/26•Neutral

    FFIN Valuation and Fair Value

    P/E
    16.9x
    Forward P/E
    24.6x
    EV/EBITDA
    11.4x
    PEG
    2.5x
    P/B
    2.3x
    See GNG's fair value

    FFIN Profitability: Margins, ROIC and FCF

    Operating margin
    56.0%
    Net margin
    42.2%
    ROIC
    13.0%
    ROE
    14.4%
    FCF margin
    50.2%

    FFIN Competitors

    CompanyTicker
    Qudian IncQD
    Radian Group IncRDN
    The Baldwin Insurance Group, Inc.BWIN
    Enova International IncENVA
    Nelnet IncNNI
    Accelerant HoldingsARX
    TFS Financial CorporationTFSL
    ServisFirst Bancshares IncSFBS

    Sector: Financial Services

    FFIN Analyst Ratings

    Consensus
    Hold
    Analysts
    7
    Strong Buy
    0
    Buy
    1
    Hold
    6
    Sell
    0
    Strong Sell
    0

    FFIN Bull Case vs Bear Case

    Bull case

    • FFIN converts 50.2% of revenue into free cash flow.
    • FFIN has a 42.2% net profit margin.

    FFIN Earnings: Beat Rate and Next Report

    Beat rate
    4 of 8 quarters (50.0%)
    Average surprise
    0.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.52
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 0 down

    FFIN Dividend

    Forward yield
    2.8%
    Payout ratio
    43.7%
    3Y DPS growth
    4.4%
    5Y DPS growth
    8.0%
    Pay months
    Jan, Apr, Jul, Oct
    FFIN dividend history

    Frequently Asked Questions About FFIN

    What is FFIN's current dividend yield?

    First Financial Bankshares Inc (FFIN) has a forward dividend yield of 2.79%.

    Does FFIN pay dividends?

    Yes, First Financial Bankshares Inc pays dividends with a forward dividend yield of 2.79%.

    What is FFIN's P/E ratio?

    First Financial Bankshares Inc has a price-to-earnings (P/E) ratio of 16.89.

    What is FFIN's market cap?

    First Financial Bankshares Inc (FFIN) has a market capitalization of $4.43B with a current stock price of $31.59.

    Related stocks

    Sector: Financial Services

    All stocks starting with F

    Get full access to GNG Research

    Create a free account to access portfolio tracking, advanced tools, and more.

    Create Free AccountLog In