First Financial Bankshares Inc (FFIN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Financial Bankshares Inc stock (FFIN) is currently trading at $29.39. First Financial Bankshares Inc PE ratio is 16.69. First Financial Bankshares Inc PS ratio (Price-to-Sales) is 7.02. Analyst consensus price target for FFIN is $36.40. WallStSmart rates FFIN as Hold.
- FFIN PE ratio analysis and historical PE chart
- FFIN PS ratio (Price-to-Sales) history and trend
- FFIN intrinsic value — DCF, Graham Number, EPV models
- FFIN stock price prediction 2025 2026 2027 2028 2029 2030
- FFIN fair value vs current price
- FFIN insider transactions and insider buying
- Is FFIN undervalued or overvalued?
- First Financial Bankshares Inc financial analysis — revenue, earnings, cash flow
- FFIN Piotroski F-Score and Altman Z-Score
- FFIN analyst price target and Smart Rating
First Financial Bankshares Inc
📊 No data available
Try selecting a different time range
FFIN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Financial Bankshares Inc (FFIN)
FFIN trades at a significant discount to its Graham intrinsic value of $64.43, offering a 48% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Financial Bankshares Inc (FFIN) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, profit margin, institutional own.. Fundamentals are solid but monitor weak areas for improvement.
First Financial Bankshares Inc (FFIN) Key Strengths (4)
Keeps $57 of every $100 in revenue after operating costs
Keeps $42 of every $100 in revenue as net profit
67.80% held by institutions, strong professional interest
Mid-cap company balancing growth potential with stability
First Financial Bankshares Inc (FFIN) Areas to Watch (6)
Paying a premium for growth, expensive relative to earnings expansion
Premium valuation at 7.0x annual revenue
Moderate profitability with room for improvement
Fairly priced relative to book value
Solid revenue growth at 14.50% per year
Solid earnings growth at 18.50%
Supporting Valuation Data
First Financial Bankshares Inc (FFIN) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 4 register as strengths (avg 8.8/10) while 6 fall into concern territory (avg 5.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Profitability is solid with Operating Margin at 57.30%, Profit Margin at 42.00%.
The Bear Case
The primary concerns are PEG Ratio, Price/Sales, Return on Equity. Some valuation metrics including PEG Ratio (2.55), Price/Sales (7.02), Price/Book (2.17) suggest expensive pricing. Growth concerns include Revenue Growth at 14.50%, EPS Growth at 18.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.40% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 14.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (PEG Ratio, Price/Sales). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FFIN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FFIN's Price-to-Sales ratio of 7.02x trades at a deep discount to its historical average of 26.58x (1th percentile). The current valuation is 84% below its historical high of 44.87x set in Dec 2013, and 2% above its historical low of 6.88x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Financial Bankshares Inc (FFIN) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Financial Bankshares Inc is a mature, profitable business with steady cash generation. Revenue reached 603M with 14% growth year-over-year. Profit margins are strong at 42.0%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 42.0% and operating margin of 57.3% demonstrate strong pricing power and operational efficiency.
Generating 73M in free cash flow and 79M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Financial Bankshares Inc.
Bottom Line
First Financial Bankshares Inc is a well-established business delivering consistent profitability with 42.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(34 last 3 months)
| Insider | Type | Shares |
|---|---|---|
HICKOX, MICHELLE S EVP/CFO | Buy | +1,000 |
| Insider | Type | Shares |
|---|---|---|
DAVIS, SALLY POPE Director | Buy | +1,600 |
| Insider | Type | Shares |
|---|---|---|
HANEY, GEOFF Director | Buy | +10,200 |
| Insider | Type | Shares |
|---|---|---|
EDWARDS, MURRAY HAMILTON Director | Buy | +500 |
| Insider | Type | Shares |
|---|---|---|
NICKLES, ROBERT CLARK JR Director | Buy | +629 |
Data sourced from SEC Form 4 filings
Last updated: 10:04:22 AM
About First Financial Bankshares Inc(FFIN)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Financial Bankshares, Inc., offers commercial banking products and services in Texas. The company is headquartered in Abilene, Texas.