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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 0.28
FFIN's Cash to Debt is ranked lower than
77% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. FFIN: 0.28 )
Ranked among companies with meaningful Cash to Debt only.
FFIN' s 10-Year Cash to Debt Range
Min: 0.28  Med: 2.11 Max: No Debt
Current: 0.28
Equity to Asset 0.12
FFIN's Equity to Asset is ranked higher than
70% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FFIN: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
FFIN' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.11 Max: 0.14
Current: 0.12
0.09
0.14
Interest Coverage 28.36
FFIN's Interest Coverage is ranked higher than
94% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FFIN: 28.36 )
Ranked among companies with meaningful Interest Coverage only.
FFIN' s 10-Year Interest Coverage Range
Min: 0.75  Med: 2.04 Max: 28.36
Current: 28.36
0.75
28.36
F-Score: 5
WACC vs ROIC
9.43%
10.74%
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 (%) 46.71
FFIN's Operating margin (%) is ranked higher than
82% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. FFIN: 46.71 )
Ranked among companies with meaningful Operating margin (%) only.
FFIN' s 10-Year Operating margin (%) Range
Min: 39.2  Med: 43.29 Max: 46.89
Current: 46.71
39.2
46.89
Net-margin (%) 35.24
FFIN's Net-margin (%) is ranked higher than
81% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. FFIN: 35.24 )
Ranked among companies with meaningful Net-margin (%) only.
FFIN' s 10-Year Net-margin (%) Range
Min: 26.48  Med: 30.77 Max: 35.03
Current: 35.24
26.48
35.03
ROE (%) 14.07
FFIN's ROE (%) is ranked higher than
79% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. FFIN: 14.07 )
Ranked among companies with meaningful ROE (%) only.
FFIN' s 10-Year ROE (%) Range
Min: 13.72  Med: 14.70 Max: 16.25
Current: 14.07
13.72
16.25
ROA (%) 1.64
FFIN's ROA (%) is ranked higher than
82% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FFIN: 1.64 )
Ranked among companies with meaningful ROA (%) only.
FFIN' s 10-Year ROA (%) Range
Min: 1.39  Med: 1.66 Max: 1.78
Current: 1.64
1.39
1.78
Revenue Growth (3Y)(%) 7.90
FFIN's Revenue Growth (3Y)(%) is ranked higher than
72% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FFIN: 7.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FFIN' s 10-Year Revenue Growth (3Y)(%) Range
Min: 4.5  Med: 7.00 Max: 10.2
Current: 7.9
4.5
10.2
EBITDA Growth (3Y)(%) 8.00
FFIN's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FFIN: 8.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FFIN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 2.7  Med: 7.30 Max: 9.9
Current: 8
2.7
9.9
EPS Growth (3Y)(%) 8.40
FFIN's EPS Growth (3Y)(%) is ranked lower than
54% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. FFIN: 8.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FFIN' s 10-Year EPS Growth (3Y)(%) Range
Min: 5.1  Med: 8.60 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

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
Q2 2015

FFIN Guru Trades in Q2 2015

Jim Simons 20,800 sh (-88.12%)
» 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) 20.38
FFIN's P/E(ttm) is ranked lower than
81% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. FFIN: 20.38 )
Ranked among companies with meaningful P/E(ttm) only.
FFIN' s 10-Year P/E(ttm) Range
Min: 12.43  Med: 18.15 Max: 27.89
Current: 20.38
12.43
27.89
Forward P/E 22.52
FFIN's Forward P/E is ranked lower than
95% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. FFIN: 22.52 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.90
FFIN's PE(NRI) is ranked lower than
81% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. FFIN: 20.90 )
Ranked among companies with meaningful PE(NRI) only.
FFIN' s 10-Year PE(NRI) Range
Min: 12.34  Med: 18.23 Max: 27.89
Current: 20.9
12.34
27.89
P/B 2.78
FFIN's P/B is ranked lower than
96% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FFIN: 2.78 )
Ranked among companies with meaningful P/B only.
FFIN' s 10-Year P/B Range
Min: 1.64  Med: 2.63 Max: 3.7
Current: 2.78
1.64
3.7
P/S 7.13
FFIN's P/S is ranked lower than
92% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. FFIN: 7.13 )
Ranked among companies with meaningful P/S only.
FFIN' s 10-Year P/S Range
Min: 4.07  Med: 5.67 Max: 9.38
Current: 7.13
4.07
9.38
PFCF 19.63
FFIN's PFCF is ranked lower than
80% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FFIN: 19.63 )
Ranked among companies with meaningful PFCF only.
FFIN' s 10-Year PFCF Range
Min: 5.18  Med: 17.50 Max: 350.5
Current: 19.63
5.18
350.5
POCF 16.48
FFIN's POCF is ranked lower than
81% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. FFIN: 16.48 )
Ranked among companies with meaningful POCF only.
FFIN' s 10-Year POCF Range
Min: 5.02  Med: 14.76 Max: 93.47
Current: 16.48
5.02
93.47
EV-to-EBIT 18.78
FFIN's EV-to-EBIT is ranked lower than
69% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. FFIN: 18.78 )
Ranked among companies with meaningful EV-to-EBIT only.
FFIN' s 10-Year EV-to-EBIT Range
Min: 7.9  Med: 12.85 Max: 23.3
Current: 18.78
7.9
23.3
PEG 2.30
FFIN's PEG is ranked lower than
77% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FFIN: 2.30 )
Ranked among companies with meaningful PEG only.
FFIN' s 10-Year PEG Range
Min: 1.89  Med: 2.72 Max: 5.54
Current: 2.3
1.89
5.54
Shiller P/E 24.69
FFIN's Shiller P/E is ranked lower than
79% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. FFIN: 24.69 )
Ranked among companies with meaningful Shiller P/E only.
FFIN' s 10-Year Shiller P/E Range
Min: 14.22  Med: 20.32 Max: 31.34
Current: 24.69
14.22
31.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.94
FFIN's Dividend Yield is ranked lower than
69% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. FFIN: 1.94 )
Ranked among companies with meaningful Dividend Yield only.
FFIN' s 10-Year Dividend Yield Range
Min: 1.54  Med: 2.77 Max: 3.62
Current: 1.94
1.54
3.62
Dividend Payout 0.39
FFIN's Dividend Payout is ranked lower than
59% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FFIN: 0.39 )
Ranked among companies with meaningful Dividend Payout only.
FFIN' s 10-Year Dividend Payout Range
Min: 0.3  Med: 0.42 Max: 0.57
Current: 0.39
0.3
0.57
Dividend growth (3y) 5.20
FFIN's Dividend growth (3y) is ranked lower than
58% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FFIN: 5.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
FFIN' s 10-Year Dividend growth (3y) Range
Min: 1.9  Med: 10.90 Max: 21.3
Current: 5.2
1.9
21.3
Yield on cost (5-Year) 2.37
FFIN's Yield on cost (5-Year) is ranked lower than
66% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. FFIN: 2.37 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FFIN' s 10-Year Yield on cost (5-Year) Range
Min: 1.88  Med: 3.39 Max: 4.43
Current: 2.37
1.88
4.43
Share Buyback Rate -0.70
FFIN's Share Buyback Rate is ranked higher than
62% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FFIN: -0.70 )
Ranked among companies with meaningful Share Buyback Rate only.
FFIN' s 10-Year Share Buyback Rate Range
Min: 0.4  Med: -0.10 Max: -5
Current: -0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.20
FFIN's Price/Tangible Book is ranked lower than
97% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FFIN: 3.20 )
Ranked among companies with meaningful Price/Tangible Book only.
FFIN' s 10-Year Price/Tangible Book Range
Min: 1.39  Med: 2.71 Max: 4.28
Current: 3.2
1.39
4.28
Price/Projected FCF 1.17
FFIN's Price/Projected FCF is ranked lower than
84% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. FFIN: 1.17 )
Ranked among companies with meaningful Price/Projected FCF only.
FFIN' s 10-Year Price/Projected FCF Range
Min: 0.32  Med: 1.07 Max: 1.78
Current: 1.17
0.32
1.78
Price/DCF (Earnings Based) 1.62
FFIN's Price/DCF (Earnings Based) is ranked lower than
95% of the 57 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. FFIN: 1.62 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.26
FFIN's Price/Median PS Value is ranked lower than
78% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FFIN: 1.26 )
Ranked among companies with meaningful Price/Median PS Value only.
FFIN' s 10-Year Price/Median PS Value Range
Min: 0.48  Med: 0.94 Max: 1.6
Current: 1.26
0.48
1.6
Price/Peter Lynch Fair Value 2.29
FFIN's Price/Peter Lynch Fair Value is ranked lower than
92% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. FFIN: 2.29 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FFIN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.52  Med: 2.51 Max: 3.95
Current: 2.29
0.52
3.95
Price/Graham Number 1.69
FFIN's Price/Graham Number is ranked lower than
94% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. FFIN: 1.69 )
Ranked among companies with meaningful Price/Graham Number only.
FFIN' s 10-Year Price/Graham Number Range
Min: 0.84  Med: 1.45 Max: 2.25
Current: 1.69
0.84
2.25
Earnings Yield (Greenblatt) (%) 5.30
FFIN's Earnings Yield (Greenblatt) (%) is ranked lower than
62% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FFIN: 5.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FFIN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.3  Med: 7.80 Max: 12.7
Current: 5.3
4.3
12.7
Forward Rate of Return (Yacktman) (%) 13.40
FFIN's Forward Rate of Return (Yacktman) (%) is ranked lower than
53% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. FFIN: 13.40 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FFIN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 8.4  Med: 12.00 Max: 14.9
Current: 13.4
8.4
14.9

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 
Southside Bancshares Inc. (SBSI) Dividend Stock Analysis Dec 28 2012 
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Weekly CEO Buys Highlight: FFIN, VOCS, HK, ABR, MPO Nov 19 2012 
Southside Bancshares Inc. (SBSI) Dividend Stock Analysis Jun 15 2012 
insiders Aug 07 2011 
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 

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