FFIN First Financial Bankshares margins

Relative Growth: Rel. Growth: 57

Relative Strength: Rel. Strength: 40

Relative Valuation: Rel. Valuation: 59

Relative Profitability: Rel. Profitability: 86

Gross margin

100%

Operating margin

51.5%

EBITDA margin

53.7%

Net margin

42.2%

The First Financial Bankshares reports a gross margin of 100%, an operating margin of 51.5%, an EBITDA margin of 53.7%, and a net margin of 42.2%. EBITDA margin declined by 0.5 percentage points, while other available margins were unchanged.

FFIN margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, First Financial Bankshares's margins averaged 100% gross, 50.75% operating, 53.16% EBITDA, and 41.61% net. Currently, operating, EBITDA, and net margins are above their three-year averages.

FFIN margin expansion

Year-over-year margin changes in percentage points

Operating margin contracted by 0.4 percentage points, EBITDA margin by 0.5 percentage points, and net margin by 0.3 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

-0.4pp

EBITDA margin expansion

-0.5pp

Net margin expansion

-0.3pp

FFIN Gross margin

Over the last 3 years, the average gross margin for First Financial Bankshares was 100%. The latest gross margin for First Financial Bankshares is 100%, in line with its three-year average. First Financial Bankshares's gross margin ranged from a low of 100% in Dec 2023 to a high of 100% in Jun 2026.

FFIN Operating margin

Over the last 3 years, First Financial Bankshares's operating margin averaged 50.75%. The current operating margin of 51.5% is 0.8 percentage points above its three-year average. During this period, operating margin reached a high of 51.9% in Jun 2025 and a low of 49.3% in Jun 2024.

FFIN EBITDA margin

Over the last 3 years, First Financial Bankshares's EBITDA margin averaged 53.16%. At present, First Financial Bankshares's current EBITDA margin is 53.7%, which is 0.5 percentage points above its three-year average. During this period, EBITDA margin reached a high of 54.2% in Jun 2025 and a low of 51.9% in Jun 2024.

FFIN Net margin

First Financial Bankshares's net margin averaged 41.61% over the last 3 years. The current net margin of 42.2% is 0.6 percentage points above its three-year average. Over the last 3 years, First Financial Bankshares's net margin peaked at 42.5% in Jun 2025 and reached a low of 40.5% in Jun 2024.

FFIN margin group comparison

Margins compared with peer-group, industry and sector averages

First Financial Bankshares's gross margin of 100% is above the Financial Services sector and the industry average. Looking at its Financial Services sector average of 83.7%, First Financial Bankshares's gross margin is 19% higher.

FFIN margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is First Financial Bankshares's gross margin?

For the period ending Jun 30, 2026, FFIN recorded a gross margin of 100%.

What is First Financial Bankshares's operating margin?

The current operating margin for FFIN is 51.5% as of Jun 30, 2026.

What is First Financial Bankshares's EBITDA margin?

As of Jun 30, 2026, FFIN has an EBITDA margin of 53.7%.

What is First Financial Bankshares's net margin?

For the period ending Jun 30, 2026, FFIN recorded a net margin of 42.2%.

What are the average margins of FFIN?

The three-year average margins for FFIN were 100.0% gross, 50.8% operating, 53.2% EBITDA, and 41.6% net.

What are the highest historical margins of FFIN?

First Financial Bankshares's highest recorded margins during the past 5 years were 100% gross in Jun 2026, 54.5% operating in Mar 2023, 57% EBITDA in Mar 2023, and 45.5% net in Dec 2022.

What are the lowest historical margins of FFIN?

Within the 5-year period, FFIN recorded its lowest margins at 100% gross in Dec 2021, 49.3% operating in Jun 2024, 51.9% EBITDA in Jun 2024, and 40.5% net in Jun 2024.