Stocktoria
FIRST FINANCIAL BANKSHARES INC FFIN
FIRST FINANCIAL BANKSHARES INC (FFIN) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.10% (safety: moderate).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-06-25 | Benchmark | Buy (init) |
| 2026-04-09 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2025-10-24 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2025-09-10 | Cantor Fitzgerald | Neutral (init) |
| 2025-07-18 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2025-04-21 | Keefe, Bruyette & Woods | Market Perform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FFIN | FIRST FINANCIAL BANKSHARES INC | 4/9 | — | 19.9 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About FIRST FINANCIAL BANKSHARES INC
First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services. It also provides personal trust services, such as wealth management; administration of estates, oil and gas management; farm and ranch; property management; testamentary trusts; revocable and irrevocable trusts; and agency accounts. In addition, the company offers commercial and industrial; municipal; agricultural; construction and development; farm; residential; consumer auto and non-auto; and non-owner occupied and owner occupied commercial real estate loans. Further, it provides advice and specialized services related to lending, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.
FAQ
Is FFIN financially healthy?
FIRST FINANCIAL BANKSHARES INC's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does FFIN pay a dividend, and is it safe?
Yes. FIRST FINANCIAL BANKSHARES INC pays a dividend yielding about 2.10% with a 41.8% payout ratio, rated “moderate” for safety.
How profitable is FFIN?
In FY2025, FIRST FINANCIAL BANKSHARES INC had a return on equity of 13.2%.
Is FFIN overvalued or undervalued?
FIRST FINANCIAL BANKSHARES INC trades at about 19.7× trailing earnings — below its 10-year norm (10-year range 18.0×–29.6×, median 26.7×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for FFIN?
The average Wall-Street price target for FIRST FINANCIAL BANKSHARES INC is $34.80, about 0.4% below the recent price, from 5 analysts (consensus: hold).
Is FFIN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FIRST FINANCIAL BANKSHARES INC: a Piotroski F-score of 4/9, a P/E of about 19.9×, a dividend yield of 2.10%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.