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During the past 12 months, First Financial Bankshares's average EPS without NRIGrowth Rate was 9.10% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 2.80% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 2.60% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 8.70% per year.
During the past 13 years, First Financial Bankshares's highest 3-Year average EPS without NRI Growth Rate was 55.30% per year. The lowest was -0.90% per year. And the median was 9.80% per year.
First Financial Bankshares (NAS:FFIN) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
First Financial Bankshares Earnings per Share (Diluted) Related Terms
First Financial Bankshares Earnings per Share (Diluted) Historical Data
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The historical data trend for First Financial Bankshares's Earnings per Share (Diluted) can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Financial Bankshares Earnings per Share (Diluted) Chart
FFIN vs TFSL, SFBS, FINN: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, First Financial Bankshares's PE Ratio, along with its competitors' market caps and PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Financial Bankshares PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's PE Ratio distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's PE Ratio falls into.
First Financial Bankshares Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
First Financial Bankshares's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.87
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $1.87 mean?
First Financial Bankshares (FFIN) has a Earnings per Share (Diluted) of $1.87 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on First Financial Bankshares and its competitors. According to the industry distribution chart, First Financial Bankshares ranks #907 out of 1411 companies in the Banks industry, placing it in the top 64.3%.
Is First Financial Bankshares' Earnings per Share (Diluted) too high?
First Financial Bankshares' current Earnings per Share (Diluted) is $1.87. The Banks industry median Earnings per Share (Diluted) is 7.50. First Financial Bankshares' value of $1.87 is 75.1% below this industry median. Based on the distribution chart, First Financial Bankshares ranks #907 out of 1411 companies in the Banks industry, which is below the industry midpoint. Overall, First Financial Bankshares has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bankshares' Earnings per Share (Diluted) compare to TFSL and SFBS?
According to the Banks industry distribution chart, First Financial Bankshares ranks #907 out of 1411 companies for Earnings per Share (Diluted). This places First Financial Bankshares in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.50. First Financial Bankshares' value of $1.87 is 75.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.50, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bankshares's current Earnings per Share (Diluted) of $1.87 is 75.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on First Financial Bankshares and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bankshares's current Earnings per Share (Diluted) is $1.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Financial Bankshares stock overvalued right now?
Based on GuruFocus' analysis, First Financial Bankshares (FFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is $40.64, compared to a current price of $35.28 — trading 13.2% below its estimated fair value. The current Earnings per Share (Diluted) is $1.87 and 75.1% below the Banks industry median of 7.50. First Financial Bankshares' overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For First Financial Bankshares (FFIN), the current Earnings per Share (Diluted) is $1.87 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Financial Bankshares (FFIN) Overvalued in 2026?
Based on GuruFocus' analysis, First Financial Bankshares stock appears to be undervalued.
The current stock price of $35.28 is trading 13.2% below its estimated GF Value™ of $40.64.
GuruFocus considers First Financial Bankshares to be Modestly Undervalued.
Key valuation signals for FFIN:
Earnings per Share (Diluted): $1.87
GF Value™: $40.64 vs. price of $35.28 (13.2% below fair value)
Industry Position: 75.1% below the Banks median (#907 of 1411)
No single metric tells the full story. See the FFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Financial Bankshares Inc is a financial and bank holding company. The company operates one line of business (community banking) located in a single geographic area (Texas). The company conducts a full-service commercial banking business through its subsidiaries. The loan portfolio segments of the company include Commercial and Industrial, Municipal, Agricultural, Construction and Development, Farm, Non-Owner Occupied and Owner Occupied Commercial Real Estate, Residential, Consumer Auto and Consumer Non-Auto.
65GF Score
Get the complete analysis for FFIN
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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