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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.46
FFIN's Cash-to-Debt is ranked lower than
77% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. FFIN: 0.46 )
Ranked among companies with meaningful Cash-to-Debt only.
FFIN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.25  Med: 2.37 Max: No Debt
Current: 0.46
Equity-to-Asset 0.12
FFIN's Equity-to-Asset is ranked higher than
69% of the 1610 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.12 Max: 0.14
Current: 0.12
0.09
0.14
Interest Coverage 23.16
FFIN's Interest Coverage is ranked higher than
92% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. FFIN: 23.16 )
Ranked among companies with meaningful Interest Coverage only.
FFIN' s Interest Coverage Range Over the Past 10 Years
Min: 1.19  Med: 15.47 Max: 32.25
Current: 23.16
1.19
32.25
WACC vs ROIC
8.82%
9.33%
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 : 6/10

vs
industry
vs
history
Operating Margin % 43.61
FFIN's Operating Margin % is ranked higher than
74% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. FFIN: 43.61 )
Ranked among companies with meaningful Operating Margin % only.
FFIN' s Operating Margin % Range Over the Past 10 Years
Min: 40.7  Med: 44.29 Max: 46.89
Current: 43.61
40.7
46.89
Net Margin % 33.72
FFIN's Net Margin % is ranked higher than
76% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.93 vs. FFIN: 33.72 )
Ranked among companies with meaningful Net Margin % only.
FFIN' s Net Margin % Range Over the Past 10 Years
Min: 30.26  Med: 33.6 Max: 35.03
Current: 33.72
30.26
35.03
ROE % 12.37
FFIN's ROE % is ranked higher than
74% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.55 vs. FFIN: 12.37 )
Ranked among companies with meaningful ROE % only.
FFIN' s ROE % Range Over the Past 10 Years
Min: 12.37  Med: 13.93 Max: 15.55
Current: 12.37
12.37
15.55
ROA % 1.57
FFIN's ROA % is ranked higher than
80% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. FFIN: 1.57 )
Ranked among companies with meaningful ROA % only.
FFIN' s ROA % Range Over the Past 10 Years
Min: 1.56  Med: 1.67 Max: 1.73
Current: 1.57
1.56
1.73
3-Year Revenue Growth Rate 8.70
FFIN's 3-Year Revenue Growth Rate is ranked higher than
71% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. FFIN: 8.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FFIN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 4.5  Med: 7.4 Max: 10.1
Current: 8.7
4.5
10.1
3-Year EBITDA Growth Rate 8.00
FFIN's 3-Year EBITDA Growth Rate is ranked higher than
54% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FFIN: 8.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FFIN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 2.9  Med: 7.4 Max: 10
Current: 8
2.9
10
3-Year EPS without NRI Growth Rate 8.60
FFIN's 3-Year EPS without NRI Growth Rate is ranked higher than
54% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FFIN: 8.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FFIN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 5.3  Med: 8.9 Max: 11.3
Current: 8.6
5.3
11.3
GuruFocus has detected 2 Warning Signs with First Financial Bankshares Inc $FFIN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FFIN's 30-Y Financials

Financials (Next Earnings Date: 2017-07-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q2 2016

FFIN Guru Trades in Q2 2016

Jim Simons 148,600 sh (+20.13%)
» More
Q3 2016

FFIN Guru Trades in Q3 2016

Jim Simons 148,800 sh (+0.13%)
» More
Q4 2016

FFIN Guru Trades in Q4 2016

Paul Tudor Jones 5,548 sh (New)
Jim Simons 62,400 sh (-58.06%)
» More
Q1 2017

FFIN Guru Trades in Q1 2017

Paul Tudor Jones 9,711 sh (+75.04%)
Jim Simons Sold Out
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:FMBI, NAS:GBCI, NYSE:TCF, NYSE:BXS, NYSE:EVER, NAS:HOPE, NAS:SSB, NYSE:CBU, NAS:CVBF, NYSE:GWB, NAS:IBOC, NAS:CATY, NAS:COLB, NYSE:STL, NAS:ONB, NYSE:VLY, NAS:PNFP, NAS:TRMK, NAS:FULT, NYSE:FCB » details
Headquarter Location:USA
First Financial Bankshares Inc is a financial holding company. The Company through its subsidiaries provides commercial banking services such as savings and time deposits, loans, internet banking, mobile banking and transmitting funds.

First Financial Bankshares is a financial and bank holding company. The company operates through subsidiaries First Financial Bank, First Technology Services, First Financial Trust & Asset Management, First Financial Insurance, and First Financial Investment. It conducts a full-service commercial banking business with operations primarily located in Texas. Although the company operates under one bank charter, it manages operations in a decentralized manner through local staff and advisory boards. The company primarily serves small and midsize nonmetropolitan markets and has grown organically, through de novo branch openings, and acquisitions. A majority of its loan portfolio is in real estate.

Ratios

vs
industry
vs
history
PE Ratio 24.29
FFIN's PE Ratio is ranked lower than
85% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. FFIN: 24.29 )
Ranked among companies with meaningful PE Ratio only.
FFIN' s PE Ratio Range Over the Past 10 Years
Min: 12.4  Med: 18.97 Max: 29.01
Current: 24.29
12.4
29.01
PE Ratio without NRI 24.29
FFIN's PE Ratio without NRI is ranked lower than
84% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. FFIN: 24.29 )
Ranked among companies with meaningful PE Ratio without NRI only.
FFIN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 12.34  Med: 19 Max: 29.01
Current: 24.29
12.34
29.01
Price-to-Owner-Earnings 25.46
FFIN's Price-to-Owner-Earnings is ranked lower than
85% of the 910 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.67 vs. FFIN: 25.46 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FFIN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.47  Med: 19.98 Max: 41.31
Current: 25.46
6.47
41.31
PB Ratio 3.01
FFIN's PB Ratio is ranked lower than
94% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FFIN: 3.01 )
Ranked among companies with meaningful PB Ratio only.
FFIN' s PB Ratio Range Over the Past 10 Years
Min: 1.64  Med: 2.64 Max: 3.7
Current: 3.01
1.64
3.7
PS Ratio 8.26
FFIN's PS Ratio is ranked lower than
92% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. FFIN: 8.26 )
Ranked among companies with meaningful PS Ratio only.
FFIN' s PS Ratio Range Over the Past 10 Years
Min: 4.08  Med: 5.96 Max: 9.77
Current: 8.26
4.08
9.77
Price-to-Free-Cash-Flow 18.93
FFIN's Price-to-Free-Cash-Flow is ranked lower than
79% of the 924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.10 vs. FFIN: 18.93 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FFIN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.15  Med: 17.95 Max: 318.64
Current: 18.93
5.15
318.64
Price-to-Operating-Cash-Flow 16.63
FFIN's Price-to-Operating-Cash-Flow is ranked lower than
79% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.83 vs. FFIN: 16.63 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FFIN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.03  Med: 15.28 Max: 92.24
Current: 16.63
5.03
92.24
EV-to-EBIT 20.34
FFIN's EV-to-EBIT is ranked lower than
74% of the 1395 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.92 vs. FFIN: 20.34 )
Ranked among companies with meaningful EV-to-EBIT only.
FFIN' s EV-to-EBIT Range Over the Past 10 Years
Min: 7.9  Med: 14 Max: 24.1
Current: 20.34
7.9
24.1
EV-to-EBITDA 18.74
FFIN's EV-to-EBITDA is ranked lower than
75% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.86 vs. FFIN: 18.74 )
Ranked among companies with meaningful EV-to-EBITDA only.
FFIN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.3  Med: 12.6 Max: 22.2
Current: 18.74
7.3
22.2
PEG Ratio 3.16
FFIN's PEG Ratio is ranked lower than
78% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. FFIN: 3.16 )
Ranked among companies with meaningful PEG Ratio only.
FFIN' s PEG Ratio Range Over the Past 10 Years
Min: 1.86  Med: 2.73 Max: 5.86
Current: 3.16
1.86
5.86
Shiller PE Ratio 31.40
FFIN's Shiller PE Ratio is ranked lower than
80% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.95 vs. FFIN: 31.40 )
Ranked among companies with meaningful Shiller PE Ratio only.
FFIN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 15.57  Med: 23.56 Max: 37.96
Current: 31.4
15.57
37.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.84
FFIN's Dividend Yield % is ranked lower than
69% of the 2351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FFIN: 1.84 )
Ranked among companies with meaningful Dividend Yield % only.
FFIN' s Dividend Yield % Range Over the Past 10 Years
Min: 1.49  Med: 2.64 Max: 3.62
Current: 1.84
1.49
3.62
Dividend Payout Ratio 0.45
FFIN's Dividend Payout Ratio is ranked lower than
68% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. FFIN: 0.45 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FFIN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.4  Med: 0.44 Max: 0.53
Current: 0.45
0.4
0.53
3-Year Dividend Growth Rate 10.80
FFIN's 3-Year Dividend Growth Rate is ranked higher than
63% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FFIN: 10.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FFIN' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 1.9  Med: 10.8 Max: 21.3
Current: 10.8
1.9
21.3
Forward Dividend Yield % 1.94
FFIN's Forward Dividend Yield % is ranked lower than
72% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. FFIN: 1.94 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.67
FFIN's 5-Year Yield-on-Cost % is ranked lower than
61% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. FFIN: 2.67 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FFIN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.19  Med: 3.88 Max: 5.32
Current: 2.67
2.19
5.32
3-Year Average Share Buyback Ratio -1.10
FFIN's 3-Year Average Share Buyback Ratio is ranked higher than
56% of the 1073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FFIN: -1.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FFIN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4.9  Med: -0.3 Max: 0.3
Current: -1.1
-4.9
0.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.61
FFIN's Price-to-Tangible-Book is ranked lower than
95% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. FFIN: 3.61 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FFIN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.29  Med: 2.69 Max: 4.28
Current: 3.61
1.29
4.28
Price-to-Intrinsic-Value-Projected-FCF 1.32
FFIN's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
84% of the 953 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FFIN: 1.32 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FFIN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.59  Med: 1.06 Max: 1.72
Current: 1.32
0.59
1.72
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.81
FFIN's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
94% of the 161 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FFIN: 1.81 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.39
FFIN's Price-to-Median-PS-Value is ranked lower than
73% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. FFIN: 1.39 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FFIN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.43  Med: 0.89 Max: 2.1
Current: 1.39
0.43
2.1
Price-to-Peter-Lynch-Fair-Value 3.12
FFIN's Price-to-Peter-Lynch-Fair-Value is ranked lower than
92% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. FFIN: 3.12 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
FFIN' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.66  Med: 2.41 Max: 3.95
Current: 3.12
0.66
3.95
Price-to-Graham-Number 1.97
FFIN's Price-to-Graham-Number is ranked lower than
93% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. FFIN: 1.97 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FFIN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.75  Med: 1.42 Max: 2.32
Current: 1.97
0.75
2.32
Earnings Yield (Greenblatt) % 4.92
FFIN's Earnings Yield (Greenblatt) % is ranked lower than
57% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.18 vs. FFIN: 4.92 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FFIN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.1  Med: 7.1 Max: 12.7
Current: 4.92
4.1
12.7
Forward Rate of Return (Yacktman) % 12.17
FFIN's Forward Rate of Return (Yacktman) % is ranked higher than
52% of the 936 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. FFIN: 12.17 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
FFIN' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 8.3  Med: 12 Max: 14.8
Current: 12.17
8.3
14.8

More Statistics

Revenue (TTM) (Mil) $313.4
EPS (TTM) $ 1.61
Beta1.37
Short Percentage of Float18.59%
52-Week Range $29.69 - 46.70
Shares Outstanding (Mil)66.13
» More Articles for FFIN

Headlines

Articles On GuruFocus.com
First Financial Bank, N.A. Honored With TBA Foundation Cornerstone Award May 12 2017 
First Financial Bankshares To Present At The 2017 Gulf South Bank Conference May 05 2017 
First Financial Announces Board Election And Increased Dividend At Annual Meeting Apr 25 2017 
First Financial Bankshares To Live Stream Annual Meeting Apr 21 2017 
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 
How to Be a Voyeur. Of Banks. Aug 04 2011 

More From Other Websites
First Financial Bank, N.A. Honored With TBA Foundation Cornerstone Award May 12 2017
First Financial Bankshares, Inc. (Texas) breached its 50 day moving average in a Bearish Manner :... May 08 2017
ETFs with exposure to First Financial Bankshares, Inc. (Texas) : May 5, 2017 May 05 2017
First Financial Bankshares To Present At The 2017 Gulf South Bank Conference May 05 2017
First Financial Bankshares, Inc. (Texas) :FFIN-US: Earnings Analysis: Q1, 2017 By the Numbers : May... May 04 2017
First Financial Bankshares, Inc. (Texas) breached its 50 day moving average in a Bullish Manner :... Apr 27 2017
First Financial Announces Board Election And Increased Dividend At Annual Meeting Apr 25 2017
First Financial Bankshares To Live Stream Annual Meeting Apr 21 2017
First Financial posts 1Q profit Apr 20 2017
First Financial Bankshares Announces First Quarter Earnings Results Apr 20 2017
ETFs with exposure to First Financial Bankshares, Inc. (Texas) : April 5, 2017 Apr 05 2017
First Financial Bankshares, Inc. (Texas) : FFIN-US: Dividend Analysis : March 15th, 2017 (record... Apr 05 2017
First Financial Bankshares, Inc. (Texas) breached its 50 day moving average in a Bullish Manner :... Mar 20 2017
First Financial Bankshares, Inc. (Texas) :FFIN-US: Earnings Analysis: Q4, 2016 By the Numbers :... Mar 14 2017
Wall Street Grows Cautious on Bank Stocks Feb 23 2017
ETFs with exposure to First Financial Bankshares, Inc. (Texas) : February 2, 2017 Feb 02 2017
First Financial Bankshares, Inc. (Texas) : FFIN-US: Dividend Analysis : December 15th, 2016 (record... Jan 31 2017
First Financial Bankshares, Inc. (Texas) :FFIN-US: Earnings Analysis: 2016 By the Numbers : January... Jan 30 2017
First Financial Bankshares Announces Fourth Quarter Earnings Results And 30th Year Of Consecutive... Jan 26 2017

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