FFIN First Financial Bankshares Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: FFIN

Price (delayed)

$27.72

Market cap

$3.96B

P/E Ratio

18.6

Dividend/share

$0.7

EPS

$1.49

Enterprise value

$4.32B

Headquartered in Abilene, Texas, First Financial Bankshares, Inc. is a financial holding company that through its subsidiary, First Financial Bank, N.A., operates multiple banking regions with 78 locations in Texas, ...

Highlights
The price to earnings (P/E) is 26% lower than the 5-year quarterly average of 25.1
FFIN's debt is up by 28% from the previous quarter but it is down by 3% YoY
First Financial Bankshares's equity has increased by 9% YoY but it has decreased by 9% from the previous quarter
FFIN's EPS is down by 8% year-on-year and by 4.5% since the previous quarter
FFIN's net income is down by 8% YoY and by 4.4% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.ffin.com
Peers: SBSI CFR PB TCBI

Key stats

What are the main financial stats of FFIN
Market
Shares outstanding
142.71M
Market cap
$3.96B
Enterprise value
$4.32B
Valuations
Price to earnings (P/E)
18.6
Price to book (P/B)
3.19
Price to sales (P/S)
8.07
EV/EBIT
16.74
EV/EBITDA
15.97
EV/Sales
8.81
Earnings
Revenue
$490.18M
EBIT
$258M
EBITDA
$270.46M
Free cash flow
$282.17M
Per share
EPS
$1.49
Free cash flow per share
$1.98
Book value per share
$8.69
Revenue per share
$3.43
TBVPS
$87.31
Balance sheet
Total assets
$12.78B
Total liabilities
$11.54B
Debt
$751.54M
Equity
$1.24B
Working capital
N/A
Liquidity
Debt to equity
0.61
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.34
Margins
EBITDA margin
55.2%
Gross margin
100%
Net margin
43.2%
Operating margin
52.6%
Efficiency
Return on assets
1.6%
Return on equity
16.1%
Return on invested capital
2%
Return on capital employed
N/A
Return on sales
52.6%
Dividend
Dividend yield
2.53%
DPS
$0.7
Payout ratio
47%

FFIN stock price

How has the First Financial Bankshares stock price performed over time
Intraday
5.6%
1 week
4.76%
1 month
14.88%
1 year
-25.32%
YTD
-19.42%
QTD
10.35%

Financial performance

How have First Financial Bankshares's revenue and profit performed over time
Revenue
$490.18M
Gross profit
$490.18M
Operating income
$258M
Net income
$211.67M
Gross margin
100%
Net margin
43.2%
FFIN's net income is down by 8% YoY and by 4.4% from the previous quarter
The operating income is down by 7% YoY and by 4.1% QoQ
FFIN's gross profit is down by 4.8% year-on-year and by 2.2% since the previous quarter
FFIN's revenue is down by 4.8% year-on-year and by 2.2% since the previous quarter

Growth

What is First Financial Bankshares's growth rate over time

Valuation

What is First Financial Bankshares stock price valuation
FFIN P/E details
P/E
18.6
P/B
3.19
P/S
8.07
EV/EBIT
16.74
EV/EBITDA
15.97
EV/Sales
8.81
The price to earnings (P/E) is 26% lower than the 5-year quarterly average of 25.1
FFIN's EPS is down by 8% year-on-year and by 4.5% since the previous quarter
The price to book (P/B) is 11% lower than the 5-year quarterly average of 3.6 and 3.3% lower than the last 4 quarters average of 3.3
First Financial Bankshares's equity has increased by 9% YoY but it has decreased by 9% from the previous quarter
The P/S is 26% lower than the 5-year quarterly average of 10.9 and 5% lower than the last 4 quarters average of 8.5
FFIN's revenue is down by 4.8% year-on-year and by 2.2% since the previous quarter

Efficiency

How efficient is First Financial Bankshares business performance
The company's return on assets fell by 11% YoY and by 6% QoQ
FFIN's return on equity is down by 6% since the previous quarter
The company's return on invested capital fell by 4.8% QoQ and by 4.8% YoY
FFIN's return on sales is down by 2% since the previous quarter

Dividends

What is FFIN's dividend history
Dividend details
DPS
$0.7
Dividend yield
2.53%
Payout ratio
47%
Recent dividends

Financial health

How did First Financial Bankshares financials performed over time
The company's total assets is 11% higher than its total liabilities
FFIN's total liabilities is down by 3.7% YoY
The company's total assets fell by 2.5% YoY
FFIN's debt is 39% less than its equity
First Financial Bankshares's debt to equity has increased by 42% from the previous quarter but it has decreased by 10% YoY
FFIN's debt is up by 28% from the previous quarter but it is down by 3% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.