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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 0.74
FFIN's Cash to Debt is ranked higher than
71% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FFIN: 0.74 )
FFIN' s 10-Year Cash to Debt Range
Min: 0.43   Max: No Debt
Current: 0.74

Equity to Asset 0.12
FFIN's Equity to Asset is ranked higher than
82% of the 2021 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 25.58
FFIN's Interest Coverage is ranked higher than
97% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FFIN: 25.58 )
FFIN' s 10-Year Interest Coverage Range
Min: 0.75   Max: 25.58
Current: 25.58

0.75
25.58
F-Score: 4
Z-Score: 0.43
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 (%) 45.60
FFIN's Operating margin (%) is ranked higher than
91% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. FFIN: 45.60 )
FFIN' s 10-Year Operating margin (%) Range
Min: 37.84   Max: 46.89
Current: 45.6

37.84
46.89
Net-margin (%) 34.41
FFIN's Net-margin (%) is ranked higher than
91% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. FFIN: 34.41 )
FFIN' s 10-Year Net-margin (%) Range
Min: 25.29   Max: 35.03
Current: 34.41

25.29
35.03
ROE (%) 14.36
FFIN's ROE (%) is ranked higher than
92% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. FFIN: 14.36 )
FFIN' s 10-Year ROE (%) Range
Min: 13.72   Max: 16.25
Current: 14.36

13.72
16.25
ROA (%) 1.66
FFIN's ROA (%) is ranked higher than
94% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FFIN: 1.66 )
FFIN' s 10-Year ROA (%) Range
Min: 1.39   Max: 1.78
Current: 1.66

1.39
1.78
ROC (Joel Greenblatt) (%) 42.37
FFIN's ROC (Joel Greenblatt) (%) is ranked higher than
65% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. FFIN: 42.37 )
FFIN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 51.89   Max: 164.12
Current: 42.37

51.89
164.12
Revenue Growth (3Y)(%) 7.40
FFIN's Revenue Growth (3Y)(%) is ranked higher than
89% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FFIN: 7.40 )
FFIN' s 10-Year Revenue Growth (3Y)(%) Range
Min: 4.5   Max: 10.2
Current: 7.4

4.5
10.2
EBITDA Growth (3Y)(%) 8.90
FFIN's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FFIN: 8.90 )
FFIN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 2.7   Max: 9.9
Current: 8.9

2.7
9.9
EPS Growth (3Y)(%) 10.10
FFIN's EPS Growth (3Y)(%) is ranked higher than
77% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FFIN: 10.10 )
FFIN' s 10-Year EPS Growth (3Y)(%) Range
Min: 5.1   Max: 12.3
Current: 10.1

5.1
12.3
» FFIN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

FFIN Guru Trades in Q4 2013

Paul Tudor Jones Sold Out
» More
Q1 2014

FFIN Guru Trades in Q1 2014

Jim Simons 28,227 sh (New)
Steven Cohen 4,100 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
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 21.80
FFIN's P/E(ttm) is ranked higher than
70% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. FFIN: 21.80 )
FFIN' s 10-Year P/E(ttm) Range
Min: 12.43   Max: 27.89
Current: 21.8

12.43
27.89
P/B 2.88
FFIN's P/B is ranked higher than
61% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FFIN: 2.88 )
FFIN' s 10-Year P/B Range
Min: 1.64   Max: 3.7
Current: 2.88

1.64
3.7
P/S 7.48
FFIN's P/S is ranked higher than
61% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. FFIN: 7.48 )
FFIN' s 10-Year P/S Range
Min: 4.07   Max: 9.38
Current: 7.48

4.07
9.38
PFCF 19.26
FFIN's PFCF is ranked higher than
78% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FFIN: 19.26 )
FFIN' s 10-Year PFCF Range
Min: 5.18   Max: 350.5
Current: 19.26

5.18
350.5
EV-to-EBIT 17.12
FFIN's EV-to-EBIT is ranked higher than
74% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. FFIN: 17.12 )
FFIN' s 10-Year EV-to-EBIT Range
Min: 7.9   Max: 23.3
Current: 17.12

7.9
23.3
PEG 2.42
FFIN's PEG is ranked higher than
86% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FFIN: 2.42 )
FFIN' s 10-Year PEG Range
Min: 1.22   Max: 54.97
Current: 2.42

1.22
54.97
Shiller P/E 26.28
FFIN's Shiller P/E is ranked higher than
82% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FFIN: 26.28 )
FFIN' s 10-Year Shiller P/E Range
Min: 14.37   Max: 31.61
Current: 26.28

14.37
31.61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.84
FFIN's Dividend Yield is ranked lower than
59% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. FFIN: 1.84 )
FFIN' s 10-Year Dividend Yield Range
Min: 1.54   Max: 3.62
Current: 1.84

1.54
3.62
Dividend Payout 0.39
FFIN's Dividend Payout is ranked higher than
72% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FFIN: 0.39 )
FFIN' s 10-Year Dividend Payout Range
Min: 0.26   Max: 0.58
Current: 0.39

0.26
0.58
Dividend growth (3y) 4.40
FFIN's Dividend growth (3y) is ranked higher than
76% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. FFIN: 4.40 )
FFIN' s 10-Year Dividend growth (3y) Range
Min: 1.9   Max: 21.4
Current: 4.4

1.9
21.4
Yield on cost (5-Year) 2.14
FFIN's Yield on cost (5-Year) is ranked lower than
56% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. FFIN: 2.14 )
FFIN' s 10-Year Yield on cost (5-Year) Range
Min: 1.83   Max: 4.3
Current: 2.14

1.83
4.3
Share Buyback Rate -0.60
FFIN's Share Buyback Rate is ranked higher than
79% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FFIN: -0.60 )
FFIN' s 10-Year Share Buyback Rate Range
Min: 0.4   Max: -5.1
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.37
FFIN's Price/Tangible Book is ranked higher than
62% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FFIN: 3.37 )
FFIN' s 10-Year Price/Tangible Book Range
Min: 1.28   Max: 4.28
Current: 3.37

1.28
4.28
Price/DCF (Projected) 1.12
FFIN's Price/DCF (Projected) is ranked higher than
77% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. FFIN: 1.12 )
FFIN' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 2.09
Current: 1.12

0.32
2.09
Price/Median PS Value 1.31
FFIN's Price/Median PS Value is ranked higher than
70% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. FFIN: 1.31 )
FFIN' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 1.58
Current: 1.31

0.23
1.58
Price/Peter Lynch Fair Value 2.33
FFIN's Price/Peter Lynch Fair Value is ranked higher than
89% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FFIN: 2.33 )
FFIN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.52   Max: 3.4
Current: 2.33

0.52
3.4
Price/Graham Number 1.79
FFIN's Price/Graham Number is ranked higher than
66% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FFIN: 1.79 )
FFIN' s 10-Year Price/Graham Number Range
Min: 0.82   Max: 2.25
Current: 1.79

0.82
2.25
Earnings Yield (Greenblatt) 5.80
FFIN's Earnings Yield (Greenblatt) is ranked higher than
70% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FFIN: 5.80 )
FFIN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.3   Max: 12.7
Current: 5.8

4.3
12.7
Forward Rate of Return (Yacktman) 13.66
FFIN's Forward Rate of Return (Yacktman) is ranked higher than
71% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. FFIN: 13.66 )
FFIN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.1   Max: 17.6
Current: 13.66

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

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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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FIRST FINANCIAL BANKSHARES INC Files SEC form 10-Q, Quarterly Report Nov 04 2014
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First Financial Bankshares Announces Renewal Of Stock Repurchase Plan Oct 29 2014
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FIRST FINANCIAL BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition Oct 23 2014
First Financial meets 3Q profit forecasts Oct 16 2014
First Financial meets 3Q profit forecasts Oct 16 2014
First Financial Bankshares Announces Third Quarter Earnings Results Oct 16 2014
Q3 2014 First Financial Bankshares Inc Earnings Release-Tentative - After Market Close Oct 16 2014
First Financial Bankshares Named Number One Bank In Nation By Bank Director Magazine Aug 12 2014
FIRST FINANCIAL BANKSHARES INC Files SEC form 10-Q, Quarterly Report Jul 31 2014
First Financial Miss Q2 Earnings Estimates, Shares Up Jul 21 2014
FIRST FINANCIAL BANKSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition Jul 17 2014
First Financial Bankshares Announces Second Quarter Earnings Results Jul 17 2014
First Financial Bank Announces New Location in New Waverly Jul 11 2014
FIRST FINANCIAL BANKSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers,... Jun 30 2014
First Financial Bank to Break Ground on New Branch Location in Fort Worth, Texas Jun 20 2014

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