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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
60% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 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
79% of the 2312 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 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 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: 0.41
WACC vs ROIC
10.73%
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 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 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 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 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
89% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 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 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 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
64% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 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 2094 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
75% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 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
73% of the 1904 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

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
Q1 2015

FFIN Guru Trades in Q1 2015

Jim Simons 175,154 sh (+41.76%)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.90
FFIN's P/E(ttm) is ranked higher than
68% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. FFIN: 20.90 )
FFIN' s 10-Year P/E(ttm) Range
Min: 12.43   Max: 27.89
Current: 20.9

12.43
27.89
Forward P/E 19.80
FFIN's Forward P/E is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FFIN: 19.80 )
N/A
PE(NRI) 20.90
FFIN's PE(NRI) is ranked higher than
70% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. FFIN: 20.90 )
FFIN' s 10-Year PE(NRI) Range
Min: 12.34   Max: 27.89
Current: 20.9

12.34
27.89
P/B 2.68
FFIN's P/B is ranked higher than
57% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. FFIN: 2.68 )
FFIN' s 10-Year P/B Range
Min: 1.64   Max: 3.7
Current: 2.68

1.64
3.7
P/S 7.18
FFIN's P/S is ranked lower than
54% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. FFIN: 7.18 )
FFIN' s 10-Year P/S Range
Min: 4.07   Max: 9.38
Current: 7.18

4.07
9.38
PFCF 17.26
FFIN's PFCF is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FFIN: 17.26 )
FFIN' s 10-Year PFCF Range
Min: 5.18   Max: 350.5
Current: 17.26

5.18
350.5
POCF 14.68
FFIN's POCF is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. FFIN: 14.68 )
FFIN' s 10-Year POCF Range
Min: 5.02   Max: 93.47
Current: 14.68

5.02
93.47
EV-to-EBIT 17.58
FFIN's EV-to-EBIT is ranked higher than
73% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. FFIN: 17.58 )
FFIN' s 10-Year EV-to-EBIT Range
Min: 7.9   Max: 23.3
Current: 17.58

7.9
23.3
PEG 2.30
FFIN's PEG is ranked higher than
88% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FFIN: 2.30 )
FFIN' s 10-Year PEG Range
Min: 1.22   Max: 54.97
Current: 2.3

1.22
54.97
Shiller P/E 24.93
FFIN's Shiller P/E is ranked higher than
79% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FFIN: 24.93 )
FFIN' s 10-Year Shiller P/E Range
Min: 14.37   Max: 31.34
Current: 24.93

14.37
31.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
FFIN's Dividend Yield is ranked lower than
62% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. FFIN: 1.90 )
FFIN' s 10-Year Dividend Yield Range
Min: 1.54   Max: 3.62
Current: 1.9

1.54
3.62
Dividend Payout 0.39
FFIN's Dividend Payout is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 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 1377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 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
57% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 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
78% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 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 3.11
FFIN's Price/Tangible Book is ranked higher than
56% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. FFIN: 3.11 )
FFIN' s 10-Year Price/Tangible Book Range
Min: 1.46   Max: 4.28
Current: 3.11

1.46
4.28
Price/DCF (Projected) 1.08
FFIN's Price/DCF (Projected) is ranked higher than
80% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FFIN: 1.08 )
FFIN' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 2.09
Current: 1.08

0.32
2.09
Price/Median PS Value 1.25
FFIN's Price/Median PS Value is ranked higher than
70% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FFIN: 1.25 )
FFIN' s 10-Year Price/Median PS Value Range
Min: 0.48   Max: 1.57
Current: 1.25

0.48
1.57
Price/Peter Lynch Fair Value 2.27
FFIN's Price/Peter Lynch Fair Value is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FFIN: 2.27 )
FFIN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.52   Max: 3.4
Current: 2.27

0.52
3.4
Price/Graham Number 1.70
FFIN's Price/Graham Number is ranked higher than
63% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FFIN: 1.70 )
FFIN' s 10-Year Price/Graham Number Range
Min: 0.84   Max: 2.25
Current: 1.7

0.84
2.25
Earnings Yield (Greenblatt) 5.70
FFIN's Earnings Yield (Greenblatt) is ranked higher than
66% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FFIN: 5.70 )
FFIN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.3   Max: 12.7
Current: 5.7

4.3
12.7
Forward Rate of Return (Yacktman) 13.97
FFIN's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. FFIN: 13.97 )
FFIN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.1   Max: 17.6
Current: 13.97

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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Small cap, high short interest (Predictability = 5), Part 2 Oct 16 2014 
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How to Be a Voyeur. Of Banks. Aug 04 2011 
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 

More From Other Websites
10-Q for First Financial Bankshares, Inc. (Texas) May 06 2015
First Financial Bankshares Names Roewe Executive Vice President And Chief Risk Officer May 04 2015
FIRST FINANCIAL BANKSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers May 04 2015
First Financial Bankshares Names Roewe Executive Vice President And Chief Risk Officer May 04 2015
FIRST FINANCIAL BANKSHARES INC Files SEC form 8-K/A, Regulation FD Disclosure, Financial Statements... May 01 2015
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First Financial Bankshares To Present At The 2015 Gulf South Bank Conference Apr 29 2015
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First Financial Announces Board Election And Increased Dividend At Annual Meeting Apr 28 2015
FIRST FINANCIAL BANKSHARES INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Apr 28 2015
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