Switch to:

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 : 5/10

vs
industry
vs
history
Cash to Debt 0.60
FFIN's Cash to Debt is ranked higher than
69% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FFIN: 0.60 )
FFIN' s 10-Year Cash to Debt Range
Min: 0.43   Max: No Debt
Current: 0.6

Equity to Asset 0.12
FFIN's Equity to Asset is ranked higher than
82% of the 1753 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
98% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 5
Z-Score: 0.42
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 : 9/10

vs
industry
vs
history
Operating margin (%) 44.04
FFIN's Operating margin (%) is ranked higher than
89% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.81 vs. FFIN: 44.04 )
FFIN' s 10-Year Operating margin (%) Range
Min: 37.84   Max: 46.89
Current: 44.04

37.84
46.89
Net-margin (%) 33.37
FFIN's Net-margin (%) is ranked higher than
90% of the 1783 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. FFIN: 33.37 )
FFIN' s 10-Year Net-margin (%) Range
Min: 25.29   Max: 35.03
Current: 33.37

25.29
35.03
ROE (%) 14.11
FFIN's ROE (%) is ranked higher than
92% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. FFIN: 14.11 )
FFIN' s 10-Year ROE (%) Range
Min: 13.72   Max: 16.25
Current: 14.11

13.72
16.25
ROA (%) 1.62
FFIN's ROA (%) is ranked higher than
94% of the 1790 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) (%) 36.34
FFIN's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 1757 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. FFIN: 36.34 )
FFIN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 51.89   Max: 164.12
Current: 36.34

51.89
164.12
Revenue Growth (%) 7.40
FFIN's Revenue Growth (%) is ranked higher than
90% of the 1555 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FFIN: 7.40 )
FFIN' s 10-Year Revenue Growth (%) Range
Min: 4.5   Max: 10.2
Current: 7.4

4.5
10.2
EBITDA Growth (%) 8.90
FFIN's EBITDA Growth (%) is ranked higher than
78% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FFIN: 8.90 )
FFIN' s 10-Year EBITDA Growth (%) Range
Min: 2.7   Max: 9.9
Current: 8.9

2.7
9.9
EPS Growth (%) 10.10
FFIN's EPS Growth (%) is ranked higher than
77% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FFIN: 10.10 )
FFIN' s 10-Year EPS Growth (%) 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

Q3 2013

FFIN Guru Trades in Q3 2013

Paul Tudor Jones 3,600 sh (New)
» More
Q4 2013

FFIN Guru Trades in Q4 2013

Paul Tudor Jones Sold Out
» More
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
» 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) 24.60
FFIN's P/E(ttm) is ranked higher than
62% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.50 vs. FFIN: 24.60 )
FFIN' s 10-Year P/E(ttm) Range
Min: 12.43   Max: 31.61
Current: 24.6

12.43
31.61
P/B 5.62
FFIN's P/B is ranked higher than
53% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FFIN: 5.62 )
FFIN' s 10-Year P/B Range
Min: 1.64   Max: 6.55
Current: 5.62

1.64
6.55
P/S 8.17
FFIN's P/S is ranked higher than
54% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. FFIN: 8.17 )
FFIN' s 10-Year P/S Range
Min: 4.07   Max: 9.55
Current: 8.17

4.07
9.55
PFCF 19.37
FFIN's PFCF is ranked higher than
73% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.89 vs. FFIN: 19.37 )
FFIN' s 10-Year PFCF Range
Min: 5.18   Max: 89.35
Current: 19.37

5.18
89.35
EV-to-EBIT 17.75
FFIN's EV-to-EBIT is ranked higher than
72% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.23 vs. FFIN: 17.75 )
FFIN' s 10-Year EV-to-EBIT Range
Min: 7.9   Max: 39.1
Current: 17.75

7.9
39.1
PEG 2.77
FFIN's PEG is ranked higher than
82% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FFIN: 2.77 )
FFIN' s 10-Year PEG Range
Min: 1.53   Max: 6.34
Current: 2.77

1.53
6.34
Shiller P/E 26.05
FFIN's Shiller P/E is ranked higher than
77% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.04 vs. FFIN: 26.05 )
FFIN' s 10-Year Shiller P/E Range
Min: 14.22   Max: 32.22
Current: 26.05

14.22
32.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.92
FFIN's Dividend Yield is ranked lower than
61% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. FFIN: 1.92 )
FFIN' s 10-Year Dividend Yield Range
Min: 1.54   Max: 3.62
Current: 1.92

1.54
3.62
Dividend Payout 0.40
FFIN's Dividend Payout is ranked higher than
68% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. FFIN: 0.40 )
FFIN' s 10-Year Dividend Payout Range
Min: 0.26   Max: 0.86
Current: 0.4

0.26
0.86
Dividend growth (3y) 4.40
FFIN's Dividend growth (3y) is ranked higher than
76% of the 1053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 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) 2.26
FFIN's Yield on cost (5-Year) is ranked lower than
57% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. FFIN: 2.26 )
FFIN' s 10-Year Yield on cost (5-Year) Range
Min: 1.83   Max: 4.3
Current: 2.26

1.83
4.3
Share Buyback Rate -0.60
FFIN's Share Buyback Rate is ranked higher than
80% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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 6.63
FFIN's Price/Tangible Book is ranked higher than
55% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. FFIN: 6.63 )
FFIN' s 10-Year Price/Tangible Book Range
Min: 1.28   Max: 7.55
Current: 6.63

1.28
7.55
Price/DCF (Projected) 1.36
FFIN's Price/DCF (Projected) is ranked higher than
69% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. FFIN: 1.36 )
FFIN' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 3.03
Current: 1.36

0.32
3.03
Price/Median PS Value 1.44
FFIN's Price/Median PS Value is ranked higher than
60% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FFIN: 1.44 )
FFIN' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 1.63
Current: 1.44

0.23
1.63
Price/Peter Lynch Fair Value 3.34
FFIN's Price/Peter Lynch Fair Value is ranked higher than
85% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FFIN: 3.34 )
FFIN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.52   Max: 3.74
Current: 3.34

0.52
3.74
Price/Graham Number 3.55
FFIN's Price/Graham Number is ranked higher than
58% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FFIN: 3.55 )
FFIN' s 10-Year Price/Graham Number Range
Min: 0.82   Max: 3.99
Current: 3.55

0.82
3.99
Earnings Yield (Greenblatt) 5.60
FFIN's Earnings Yield (Greenblatt) is ranked higher than
66% of the 1692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. FFIN: 5.60 )
FFIN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   Max: 12.7
Current: 5.6

2.6
12.7
Forward Rate of Return (Yacktman) 10.94
FFIN's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. FFIN: 10.94 )
FFIN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 7.5   Max: 14.5
Current: 10.94

7.5
14.5

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, but its banking operations date back to 1890, when Farmers and Merchants National Bank opened for business in Abilene, Texas. It is a financial holding company registered under the Bank Holding Company Act of 1956, or BHCA. The Company owns eleven banks, a trust company, a technology operating company, and an insurance agency, all organized and located in Texas. These subsidiaries are: First Financial Bank, National Association, Abilene, Texas; First Financial Bank, Hereford, Texas; First Financial Bank, National Association, Sweetwater, Texas; First Financial Bank, National Association, Eastland, Texas; First Financial Bank, National Association, Cleburne, Texas; First Financial Bank, National Association, Stephenville, Texas; First Financial Bank, National Association, San Angelo, Texas; First Financial Bank, National Association, Weatherford, Texas; First Financial Bank, National Association, Southlake, Texas; First Financial Bank, National Association, Mineral Wells, Texas; First Financial Bank, Huntsville, Texas; First Technology Services, Inc., Abilene, Texas; First Financial Trust & Asset Management Company, National Association, Abilene, Texas; and First Financial Insurance Agency, Inc., Abilene, Texas. Through its subsidiary banks, the Company conducts a full-service commercial banking business. Its service centers are located mainly in North Central and West Texas. First Financial Bankshares provides management and technical resources and policy direction to its subsidiaries, which enables them to improve or expand 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 its subsidiary banks is a separate legal entity that operates under the day-to-day management of its own board of directors and officers. 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
» More Articles for FFIN

Headlines

Articles On GuruFocus.com
Small cap, high short interest (Predictability = 5), Part 2 Oct 16 2014 
Southside Bancshares Inc. (SBSI) Dividend Stock Analysis Dec 28 2012 
Weekly CEO Buys Highlight: FFIN, STEC, MPO, PACB, TPGI Nov 25 2012 
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 

More From Other Websites
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 Financials Aug 08 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
First Financial Bankshares To Present At The 2014 Morgan Stanley Financials Conference Jun 05 2014
First Financial Bankshares To Present At The 2014 Gulf South Bank Conference May 09 2014
FIRST FINANCIAL BANKSHARES INC Files SEC form 10-Q, Quarterly Report Apr 29 2014
FIRST FINANCIAL BANKSHARES INC Files SEC form 8-K, Submission of Matters to a Vote of Security... Apr 23 2014
FIRST FINANCIAL BANKSHARES INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Apr 22 2014
First Financial board announces two-for-one stock split Apr 22 2014
First Financial Bankshares Announces Two-for-One Stock Split and Increase in Cash Dividend at Annual... Apr 22 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK