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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.42
FFIN's Cash to Debt is ranked higher than
68% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. FFIN: 0.42 )
FFIN' s 10-Year Cash to Debt Range
Min: 0.42   Max: No Debt
Current: 0.42

Equity to Asset 0.12
FFIN's Equity to Asset is ranked higher than
80% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FFIN: 0.12 )
FFIN' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.14
Current: 0.12

0.09
0.14
Interest Coverage 28.36
FFIN's Interest Coverage is ranked higher than
97% of the 2175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FFIN: 28.36 )
FFIN' s 10-Year Interest Coverage Range
Min: 0.75   Max: 28.36
Current: 28.36

0.75
28.36
F-Score: 4
Z-Score: 0.32
WACC vs ROIC
9.63%
11.14%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 45.73
FFIN's Operating margin (%) is ranked higher than
90% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.48 vs. FFIN: 45.73 )
FFIN' s 10-Year Operating margin (%) Range
Min: 39.2   Max: 46.89
Current: 45.73

39.2
46.89
Net-margin (%) 34.50
FFIN's Net-margin (%) is ranked higher than
90% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.33 vs. FFIN: 34.50 )
FFIN' s 10-Year Net-margin (%) Range
Min: 26.48   Max: 35.03
Current: 34.5

26.48
35.03
ROE (%) 13.81
FFIN's ROE (%) is ranked higher than
90% of the 2380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.85 vs. FFIN: 13.81 )
FFIN' s 10-Year ROE (%) Range
Min: 13.72   Max: 16.25
Current: 13.81

13.72
16.25
ROA (%) 1.62
FFIN's ROA (%) is ranked higher than
92% of the 2384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. FFIN: 1.62 )
FFIN' s 10-Year ROA (%) Range
Min: 1.39   Max: 1.78
Current: 1.62

1.39
1.78
ROC (Joel Greenblatt) (%) 46.80
FFIN's ROC (Joel Greenblatt) (%) is ranked higher than
65% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 86.24 vs. FFIN: 46.80 )
FFIN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 44.98   Max: 143.96
Current: 46.8

44.98
143.96
Revenue Growth (3Y)(%) 7.90
FFIN's Revenue Growth (3Y)(%) is ranked higher than
86% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. FFIN: 7.90 )
FFIN' s 10-Year Revenue Growth (3Y)(%) Range
Min: 4.5   Max: 10.2
Current: 7.9

4.5
10.2
EBITDA Growth (3Y)(%) 8.00
FFIN's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 1846 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FFIN: 8.00 )
FFIN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 2.7   Max: 9.9
Current: 8

2.7
9.9
EPS Growth (3Y)(%) 8.40
FFIN's EPS Growth (3Y)(%) is ranked higher than
72% of the 1864 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. FFIN: 8.40 )
FFIN' s 10-Year EPS Growth (3Y)(%) Range
Min: 5.1   Max: 11.1
Current: 8.4

5.1
11.1
» FFIN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

FFIN Guru Trades in Q1 2014

Steven Cohen 4,100 sh (New)
Jim Simons 28,227 sh (New)
» More
Q2 2014

FFIN Guru Trades in Q2 2014

Jim Simons 60,854 sh (+7.79%)
» More
Q3 2014

FFIN Guru Trades in Q3 2014

Jim Simons 98,654 sh (+62.12%)
» More
Q4 2014

FFIN Guru Trades in Q4 2014

Jim Simons 123,554 sh (+25.24%)
» More
» Details

Insider Trades

Latest Guru Trades with FFIN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 20.80
FFIN's P/E(ttm) is ranked higher than
66% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. FFIN: 20.80 )
FFIN' s 10-Year P/E(ttm) Range
Min: 12.43   Max: 27.89
Current: 20.8

12.43
27.89
Forward P/E 19.65
FFIN's Forward P/E is ranked higher than
67% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FFIN: 19.65 )
N/A
PE(NRI) 20.80
FFIN's PE(NRI) is ranked higher than
71% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. FFIN: 20.80 )
FFIN' s 10-Year PE(NRI) Range
Min: 12.34   Max: 27.89
Current: 20.8

12.34
27.89
P/B 2.66
FFIN's P/B is ranked higher than
54% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. FFIN: 2.66 )
FFIN' s 10-Year P/B Range
Min: 1.64   Max: 3.7
Current: 2.66

1.64
3.7
P/S 7.12
FFIN's P/S is ranked lower than
58% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.68 vs. FFIN: 7.12 )
FFIN' s 10-Year P/S Range
Min: 4.07   Max: 9.38
Current: 7.12

4.07
9.38
PFCF 17.12
FFIN's PFCF is ranked higher than
76% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FFIN: 17.12 )
FFIN' s 10-Year PFCF Range
Min: 5.18   Max: 350.5
Current: 17.12

5.18
350.5
POCF 14.57
FFIN's POCF is ranked higher than
78% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 81.00 vs. FFIN: 14.57 )
FFIN' s 10-Year POCF Range
Min: 5.02   Max: 93.47
Current: 14.57

5.02
93.47
EV-to-EBIT 16.36
FFIN's EV-to-EBIT is ranked higher than
76% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. FFIN: 16.36 )
FFIN' s 10-Year EV-to-EBIT Range
Min: 7.9   Max: 23.3
Current: 16.36

7.9
23.3
PEG 2.29
FFIN's PEG is ranked higher than
88% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FFIN: 2.29 )
FFIN' s 10-Year PEG Range
Min: 1.22   Max: 54.97
Current: 2.29

1.22
54.97
Shiller P/E 24.74
FFIN's Shiller P/E is ranked higher than
82% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FFIN: 24.74 )
FFIN' s 10-Year Shiller P/E Range
Min: 14.22   Max: 31.34
Current: 24.74

14.22
31.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.91
FFIN's Dividend Yield is ranked lower than
61% of the 2226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. FFIN: 1.91 )
FFIN' s 10-Year Dividend Yield Range
Min: 1.54   Max: 3.62
Current: 1.91

1.54
3.62
Dividend Payout 0.39
FFIN's Dividend Payout is ranked higher than
76% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. FFIN: 0.39 )
FFIN' s 10-Year Dividend Payout Range
Min: 0.26   Max: 0.57
Current: 0.39

0.26
0.57
Dividend growth (3y) 5.20
FFIN's Dividend growth (3y) is ranked higher than
74% of the 1338 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FFIN: 5.20 )
FFIN' s 10-Year Dividend growth (3y) Range
Min: 1.9   Max: 21.3
Current: 5.2

1.9
21.3
Yield on cost (5-Year) 2.32
FFIN's Yield on cost (5-Year) is ranked lower than
56% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. FFIN: 2.32 )
FFIN' s 10-Year Yield on cost (5-Year) Range
Min: 1.88   Max: 4.43
Current: 2.32

1.88
4.43
Share Buyback Rate -0.70
FFIN's Share Buyback Rate is ranked higher than
77% of the 1686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. FFIN: -0.70 )
FFIN' s 10-Year Share Buyback Rate Range
Min: 0.4   Max: -1.2
Current: -0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.08
FFIN's Price/Tangible Book is ranked higher than
58% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FFIN: 3.08 )
FFIN' s 10-Year Price/Tangible Book Range
Min: 1.46   Max: 4.28
Current: 3.08

1.46
4.28
Earnings Yield (Greenblatt) 6.10
FFIN's Earnings Yield (Greenblatt) is ranked higher than
66% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FFIN: 6.10 )
FFIN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.3   Max: 12.7
Current: 6.1

4.3
12.7
Forward Rate of Return (Yacktman) 14.01
FFIN's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. FFIN: 14.01 )
FFIN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.1   Max: 17.6
Current: 14.01

5.1
17.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First Financial Bankshares Inc., a Texas corporation, was formed as a bank holding company in 1956 under the original name F&M Operating Company. It is a financial holding company registered under the Bank Holding Company Act of 1956, or BHCA. Through its subsidiary banks, the Company conducts a full-service commercial banking business. Its service centers are located in North Central and West Texas. It provides management and technical resources and policy direction to its subsidiaries, which enables them to improve their banking services while continuing their local activity and identity. Each of the Company's subsidiaries operates under the day-to-day management of its own Board of Directors and officers, with substantial authority in making decisions concerning their own loan decisions, interest rates, service charges and marketing. The Company provides resources and policy direction in, among other things, the following areas; asset and liability management, investments; accounting, budgeting, training, marketing, planning, risk management, loan review, human resources, insurance, capitalization, regulatory compliance and internal audit. Each of the Company's subsidiary banks provides general commercial banking services, which include accepting and holding checking, savings and time deposits, making loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, transmitting funds, and performing other customary commercial banking services. The Company's subsidiary banks compete in their respective service areas against competitive banks, thrifts, savings and loan associations, small loan companies, credit unions, mortgage companies, insurance companies, and brokerage firms, all of which are engaged in providing financial products and services and some of which are larger than its subsidiary banks in terms of capital, resources and personnel.
» More Articles for FFIN

Headlines

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Southside Bancshares Inc. (SBSI) Dividend Stock Analysis Feb 10 2011 
First Financial Bankshares Inc. Reports Operating Results (10-Q) Nov 02 2010 
First Financial Bankshares Inc. (FFIN) CEO F Scott Dueser buys 1,000 Shares Sep 16 2010 

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