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Price (delayed)
$36.46
Market cap
$5.21B
P/E Ratio
25.14
Dividend/share
$0.72
EPS
$1.45
Enterprise value
$4.71B
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
FFIN's debt has plunged by 89% YoY and by 49% from the previous quarter
First Financial Bankshares's equity has increased by 34% YoY and by 9% from the previous quarter
FFIN's EPS is up by 2.8% since the previous quarter but it is down by 2.7% year-on-year
FFIN's net income is up by 2.9% from the previous quarter but it is down by 2.1% YoY
The price to earnings (P/E) is 10% higher than the last 4 quarters average of 22.9 and 3% higher than the 5-year quarterly average of 24.4
Key stats
What are the main financial stats of FFIN
Market
Valuations
Earnings
Shares outstanding
142.91M
Market cap
$5.21B
Enterprise value
$4.71B
Price to earnings (P/E)
25.14
Price to book (P/B)
3.13
Price to sales (P/S)
10.21
EV/EBIT
18.7
EV/EBITDA
17.77
EV/Sales
9.23
Revenue
$510.3M
Gross profit
$510.3M
Net income
$207.17M
EBIT
$251.87M
EBITDA
$265.08M
Free cash flow
$269.67M
Per share
Balance sheet
Liquidity
EPS
$1.45
EPS diluted
$1.45
Free cash flow per share
$1.89
Book value per share
$11.64
Revenue per share
$3.57
TBVPS
$92.89
Total assets
$13.58B
Total liabilities
$11.92B
Debt
$83.54M
Equity
$1.66B
Working capital
N/A
Debt to equity
0.05
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.89
Margins
Efficiency
Dividend
EBITDA margin
51.9%
Gross margin
100%
Net margin
40.6%
Operating margin
49.4%
Return on assets
1.6%
Return on equity
13.4%
Return on invested capital
2%
Return on capital employed
N/A
Return on sales
49.4%
Dividend yield
1.97%
DPS
$0.72
Payout ratio
49.7%
FFIN stock price
How has the First Financial Bankshares stock price performed over time
Intraday
1.31%
1 week
-9.91%
1 month
-10.24%
1 year
20.85%
YTD
20.33%
QTD
-1.49%
Financial performance
How have First Financial Bankshares's revenue and profit performed over time
Revenue
$510.3M
Gross profit
$510.3M
Operating income
$251.87M
Net income
$207.17M
Gross margin
100%
Net margin
40.6%
FFIN's operating margin is down by 6% YoY
FFIN's net margin is down by 6% YoY
FFIN's revenue is up by 4.1% year-on-year and by 2.7% since the previous quarter
FFIN's gross profit is up by 4.1% year-on-year and by 2.7% since the previous quarter
Growth
What is First Financial Bankshares's growth rate over time
Valuation
What is First Financial Bankshares stock price valuation
P/E
25.14
P/B
3.13
P/S
10.21
EV/EBIT
18.7
EV/EBITDA
17.77
EV/Sales
9.23
The price to earnings (P/E) is 10% higher than the last 4 quarters average of 22.9 and 3% higher than the 5-year quarterly average of 24.4
FFIN's EPS is up by 2.8% since the previous quarter but it is down by 2.7% year-on-year
First Financial Bankshares's equity has increased by 34% YoY and by 9% from the previous quarter
The price to book (P/B) is 11% lower than the 5-year quarterly average of 3.5 but 4.3% higher than the last 4 quarters average of 3.0
The P/S is 9% higher than the last 4 quarters average of 9.4 but 3.7% lower than the 5-year quarterly average of 10.6
FFIN's revenue is up by 4.1% year-on-year and by 2.7% since the previous quarter
Efficiency
How efficient is First Financial Bankshares business performance
FFIN's return on equity is down by 17% year-on-year and by 4.3% since the previous quarter
The company's return on assets rose by 7% QoQ
FFIN's return on sales is down by 6% year-on-year
The company's return on invested capital rose by 5% QoQ
Dividends
What is FFIN's dividend history
DPS
$0.72
Dividend yield
1.97%
Payout ratio
49.7%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did First Financial Bankshares financials performed over time
The company's total assets is 14% higher than its total liabilities
The company's total assets rose by 6% YoY and by 3.2% QoQ
FFIN's total liabilities is up by 3.3% YoY and by 2.4% QoQ
FFIN's debt is 95% less than its equity
First Financial Bankshares's debt to equity has plunged by 92% YoY and by 55% from the previous quarter
FFIN's debt has plunged by 89% YoY and by 49% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.