Stocktoria

FIRST FINANCIAL BANKSHARES INC FFIN

Nasdaq · stock · State Commercial Banks · website · IPO 1993-11-01 · LEI

FIRST FINANCIAL BANKSHARES INC statistics & valuation

Market cap$5.0B
P / E19.9×
P / B2.6×
Dividend yield2.10%
Return on equity13.2%
Graham number -34%$23.07

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($23.07); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
12.50% 13.00% 14.30% 13.40% 12.00% 12.90% 18.50% 13.30% 13.90% 13.20% 2016201720182019202020212022202320242025
Shares outstanding
132.2M 132.6M 136.0M 136.3M 142.5M 143.1M 143.2M 142.9M 143.2M 143.4M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.50% 1.70% 1.90% 2.00% 1.90% 1.70% 1.80% 1.50% 1.60% 1.60% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.80 $0.91 $1.11 $1.21 $1.42 $1.59 $1.64 $1.39 $1.56 $1.77 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

FIRST FINANCIAL BANKSHARES INC trades at about 19.7× earnings — below its 10-year norm (10-year range 18×–29.6×, median 26.7×).

18× 29.6×

Shaded band = 10-year range (18×–29.6×); dot = today's 19.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.6%1.6%1.5%1.8%1.7%1.9%2.0%1.9%1.7%1.5%
Return on equity13.2%13.9%13.3%18.5%12.9%12.0%13.4%14.3%13.0%12.5%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.