First Financial Bankshares Inc

First Financial Bankshares Inc (FFIN) Stock Analysis

$33.390

+0.324 (+0.97%)At close

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High
33.500
Open
33.190
VWAP
33.32
Vol
635.20K
Mkt Cap
4.14B
Low
33.080
Amount
21.17M
EV/EBITDA, TTM
10.47

First Financial Bankshares, Inc. is a financial holding company. The Company, through its wholly owned subsidiary, First Financial Bank (the Bank), operates multiple banking regions with approximately 79 locations in Texas, including Abilene, Acton, Albany, Aledo, Alvarado, Beaumont, Boyd, Bridgeport, Brock, Bryan, Burleson, College Station, Cisco, Cleburne, Clyde, Conroe, Cut and Shoot, Decatur, Eastland and others. The Bank provides general commercial banking services, which include accepting and holding checking, savings and time deposits, making loans, offering automated teller machines (ATMs), drive-in and night deposit services, safe deposit facilities, remote deposit capture, Internet banking, mobile banking, payroll cards, funds transfer, and performing other customary commercial banking services. The Company also operates First Financial Trust and Asset Management Company, with nine locations and First Technology Services, Inc., a technology operating company.

ffin.com

AI analysis of First Financial Bankshares Inc (FFIN)

hold

First Financial Bankshares Inc is currently a hold. The stock is priced at $33.39, which is close to the average analyst price target of $35, indicating it is fairly valued at this time. The RSI is at 30.231, suggesting the stock is oversold, which could present a buying opportunity if the price stabilizes. However, the forward P/E ratio is 24.57, which is relatively high compared to its historical performance, indicating potential overvaluation. The main risk is the recent performance trend, with a 1-year change of -9.14%, reflecting challenges in growth compared to peers.

Analyst Ratings (6)

+7.82% upside
Hold
0 Buy
5 Hold
1 Sell
Current: 33.39
Low
36.00
Average
36.00
High
36.00

Piper Sandler

2026-08-27

Price Target

$35

Neutral

Cantor Fitzgerald

2026-07-15

Price Target

$35

Neutral

Keefe Bruyette

2026-04-09

Price Target

$34

Market Perform

Keefe Bruyette

2025-10-24

Price Target

$36

Market Perform

Cantor Fitzgerald

2025-09-09

Price Target

$39

Neutral

Valuation Metrics

The current forward P/E ratio for First Financial Bankshares Inc (FFIN) is 24.57, compared to its 5-year average forward P/E of 23.28.

Forward P/E

Fair
5Y Average P/E
23.28
Current P/E
24.57
Overvalued
27.79
Undervalued
18.78

Forward EV/EBITDA

Strongly Overvalued
5Y Average EV/EBITDA
1.62
Current EV/EBITDA
10.47
Overvalued
5.93
Undervalued
-2.70

Forward P/S

Undervalued
5Y Average P/S
8.83
Current P/S
6.34
Overvalued
10.91
Undervalued
6.75

Alphio AI Price Scenarios for FFIN

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%FFIN

$52.05

Scenario price

B

Base

Base · 50%FFIN

$45.59

Scenario price

B

Bear

Bear · 25%FFIN

$42.03

Scenario price

Whales holding FFIN

C

Champlain Investment Partners, LLC

+ HoldingFFIN

+5.77%

3M Return

Events Timeline

2026-07-30 (ET)

17:00:00

First Financial Updates Share Repurchase Plan to 7.2 Million Shares

2026-07-16 (ET)

18:30:00

Nasdaq Composite Falls 1.5%, Netflix Guides Below Expectations

16:30:00

Q2 Net Interest Margin Rises to 3.90%

2026-04-28 (ET)

12:40:00

First Financial Bankshares Declares $0.22 Cash Dividend

2026-04-16 (ET)

16:10:00

Company Q1 Net Interest Margin Rises to 3.86%

News

FFIN FAQ — answered by Alphio AI

First Financial Bankshares, Inc. is a financial holding company. The Company, through its wholly owned subsidiary, First Financial Bank (the Bank), operates multiple banking regions with approximately 79 locations in Texas, including Abilene, Acton, Albany, Aledo, Alvarado, Beaumont, Boyd, Bridgeport, Brock, Bryan, Burleson, College Station, Cisco, Cleburne, Clyde, Conroe, Cut and Shoot, Decatur, Eastland and others. The Bank provides general commercial banking services, which include accepting and holding checking, savings and time deposits, making loans, offering automated teller machines (ATMs), drive-in and night deposit services, safe deposit facilities, remote deposit capture, Internet banking, mobile banking, payroll cards, funds transfer, and performing other customary commercial banking services. The Company also operates First Financial Trust and Asset Management Company, with nine locations and First Technology Services, Inc., a technology operating company. It operates in the Financials sector (STATE COMMERCIAL BANKS industry).

First Financial Bankshares Inc is currently a hold. The stock is priced at $33.39, which is close to the average analyst price target of $35, indicating it is fairly valued at this time. The RSI is at 30.231, suggesting the stock is oversold, which could present a buying opportunity if the price stabilizes. However, the forward P/E ratio is 24.57, which is relatively high compared to its historical performance, indicating potential overvaluation. The main risk is the recent performance trend, with a 1-year change of -9.14%, reflecting challenges in growth compared to peers.

6 analysts cover FFIN: 0 rate it Buy, 5 Hold and 1 Sell. The average price target is 36.00.

This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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