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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.52
FFIN's Cash to Debt is ranked higher than
65% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FFIN: 0.52 )
FFIN' s 10-Year Cash to Debt Range
Min: 0.52   Max: No Debt
Current: 0.52

Equity to Asset 0.11
FFIN's Equity to Asset is ranked higher than
73% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FFIN: 0.11 )
FFIN' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.13
Current: 0.11

0.09
0.13
Interest Coverage 25.58
FFIN's Interest Coverage is ranked higher than
98% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 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: 0.42
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 : 8/10

vs
industry
vs
history
Operating margin (%) 44.62
FFIN's Operating margin (%) is ranked higher than
89% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. FFIN: 44.62 )
FFIN' s 10-Year Operating margin (%) Range
Min: 37.84   Max: 46.89
Current: 44.62

37.84
46.89
Net-margin (%) 33.66
FFIN's Net-margin (%) is ranked higher than
90% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. FFIN: 33.66 )
FFIN' s 10-Year Net-margin (%) Range
Min: 25.29   Max: 35.03
Current: 33.66

25.29
35.03
ROE (%) 13.42
FFIN's ROE (%) is ranked higher than
91% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. FFIN: 13.42 )
FFIN' s 10-Year ROE (%) Range
Min: 12.61   Max: 15.93
Current: 13.42

12.61
15.93
ROA (%) 1.51
FFIN's ROA (%) is ranked higher than
93% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FFIN: 1.51 )
FFIN' s 10-Year ROA (%) Range
Min: 1.27   Max: 1.7
Current: 1.51

1.27
1.7
ROC (Joel Greenblatt) (%) 32.79
FFIN's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. FFIN: 32.79 )
FFIN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 32.79   Max: 120.53
Current: 32.79

32.79
120.53
Revenue Growth (%) 7.40
FFIN's Revenue Growth (%) is ranked higher than
87% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FFIN: 7.40 )
FFIN' s 10-Year Revenue Growth (%) Range
Min: 4.4   Max: 10.1
Current: 7.4

4.4
10.1
EBITDA Growth (%) 9.10
FFIN's EBITDA Growth (%) is ranked higher than
75% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FFIN: 9.10 )
FFIN' s 10-Year EBITDA Growth (%) Range
Min: 2.9   Max: 10
Current: 9.1

2.9
10
EPS Growth (%) 9.90
FFIN's EPS Growth (%) is ranked higher than
73% of the 1103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. FFIN: 9.90 )
FFIN' s 10-Year EPS Growth (%) Range
Min: 5.4   Max: 11.5
Current: 9.9

5.4
11.5
» FFIN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2012

FFIN Guru Trades in Q2 2012

Jim Simons 59,027 sh (+231.11%)
» More
Q3 2012

FFIN Guru Trades in Q3 2012

Jim Simons Sold Out
» More
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
» Details

Insider Trades

Latest Guru Trades with FFIN



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 23.40
FFIN's P/E(ttm) is ranked lower than
56% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. FFIN: 23.40 )
FFIN' s 10-Year P/E(ttm) Range
Min: 12.43   Max: 27.76
Current: 23.4

12.43
27.76
P/B 3.20
FFIN's P/B is ranked lower than
70% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FFIN: 3.20 )
FFIN' s 10-Year P/B Range
Min: 1.64   Max: 3.7
Current: 3.2

1.64
3.7
P/S 7.90
FFIN's P/S is ranked lower than
86% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. FFIN: 7.90 )
FFIN' s 10-Year P/S Range
Min: 4.08   Max: 9.34
Current: 7.9

4.08
9.34
PFCF 18.90
FFIN's PFCF is ranked lower than
72% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FFIN: 18.90 )
FFIN' s 10-Year PFCF Range
Min: 5.25   Max: 117.08
Current: 18.9

5.25
117.08
EV-to-EBIT 22.20
FFIN's EV-to-EBIT is ranked lower than
52% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. FFIN: 22.20 )
FFIN' s 10-Year EV-to-EBIT Range
Min: 6.9   Max: 23.3
Current: 22.2

6.9
23.3
PEG 2.60
FFIN's PEG is ranked lower than
54% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FFIN: 2.60 )
FFIN' s 10-Year PEG Range
Min: 1.58   Max: 6.36
Current: 2.6

1.58
6.36
Shiller P/E 27.10
FFIN's Shiller P/E is ranked lower than
58% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. FFIN: 27.10 )
FFIN' s 10-Year Shiller P/E Range
Min: 14.3   Max: 31.61
Current: 27.1

14.3
31.61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.80
FFIN's Dividend Yield is ranked lower than
64% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. FFIN: 1.80 )
FFIN' s 10-Year Dividend Yield Range
Min: 1.54   Max: 3.64
Current: 1.8

1.54
3.64
Dividend Payout 0.42
FFIN's Dividend Payout is ranked higher than
53% of the 1147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. FFIN: 0.42 )
FFIN' s 10-Year Dividend Payout Range
Min: 0.3   Max: 0.53
Current: 0.42

0.3
0.53
Dividend growth (3y) 4.30
FFIN's Dividend growth (3y) is ranked higher than
76% of the 809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. FFIN: 4.30 )
FFIN' s 10-Year Dividend growth (3y) Range
Min: 2   Max: 21.4
Current: 4.3

2
21.4
Yield on cost (5-Year) 2.14
FFIN's Yield on cost (5-Year) is ranked lower than
58% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FFIN: 2.14 )
FFIN' s 10-Year Yield on cost (5-Year) Range
Min: 1.83   Max: 4.32
Current: 2.14

1.83
4.32
Share Buyback Rate -0.60
FFIN's Share Buyback Rate is ranked higher than
81% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.70 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 3.80
FFIN's Price/Tangible Book is ranked lower than
72% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FFIN: 3.80 )
FFIN' s 10-Year Price/Tangible Book Range
Min: 1.28   Max: 4.31
Current: 3.8

1.28
4.31
Price/DCF (Projected) 1.40
FFIN's Price/DCF (Projected) is ranked lower than
65% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FFIN: 1.40 )
FFIN' s 10-Year Price/DCF (Projected) Range
Min: 0.63   Max: 1.78
Current: 1.4

0.63
1.78
Price/Median PS Value 1.40
FFIN's Price/Median PS Value is ranked lower than
65% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FFIN: 1.40 )
FFIN' s 10-Year Price/Median PS Value Range
Min: 0.46   Max: 1.59
Current: 1.4

0.46
1.59
Price/Peter Lynch Fair Value 2.70
FFIN's Price/Peter Lynch Fair Value is ranked lower than
70% of the 440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FFIN: 2.70 )
FFIN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.41   Max: 3.16
Current: 2.7

1.41
3.16
Price/Graham Number 2.00
FFIN's Price/Graham Number is ranked lower than
68% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FFIN: 2.00 )
FFIN' s 10-Year Price/Graham Number Range
Min: 0.76   Max: 2.27
Current: 2

0.76
2.27
Earnings Yield (Greenblatt) 4.50
FFIN's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FFIN: 4.50 )
FFIN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.3   Max: 14.5
Current: 4.5

4.3
14.5
Forward Rate of Return (Yacktman) 11.88
FFIN's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. FFIN: 11.88 )
FFIN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 8   Max: 15.2
Current: 11.88

8
15.2

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

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