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First Financial BanksharesFFIN +0.40%65 EV-to-OCF is 13.00 as of Aug. 16, 2026, which is 19% below its 10-year median of 16.12. GuruFocus rates FFIN with a GF Score™ of 65/100 and a GF Value™ of $40.64 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,500 Banks companies, First Financial Bankshares ranks worse than 78.73% on this metric.
The historical rank and industry rank for First Financial Bankshares's EV-to-OCF or its related term are showing as below:
FFIN'
s EV-to-OCF Range Over the Past 10 Years
Min: 9.78 Med: 16.12 Max: 31.06
Current: 13
During the past 13 years, the highest EV-to-OCF of First Financial Bankshares was 31.06. The lowest was 9.78. And the median was 16.12.
FFIN's EV-to-OCF is ranked worse than 78.73% of 1500
companies
in the Banks industry
Industry Median: 3.93
vs FFIN: 13.00
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Financial Bankshares (NAS:FFIN) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Financial Bankshares's PE Ratio (TTM) for today is calculated as:
First Financial Bankshares's share price for today is $35.28.
First Financial Bankshares's 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 $1.870.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Financial Bankshares EV-to-OCF Related Terms
First Financial Bankshares EV-to-OCF Historical Data
* 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.
For the Banks - Regional subindustry, First Financial Bankshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's EV-to-OCF falls into.
First Financial Bankshares's current Enterprise Value is $4,505.9 Mil.
First Financial Bankshares's Cash Flow from Operations 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 $346.7 Mil.
* 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 (FFIN) has a EV-to-OCF of 13.00 as of Aug. 16, 2026. This is 19% below median its historical median of 16.12. Over the past decade, First Financial Bankshares' EV-to-OCF has ranged from 9.78 to 31.06. According to the industry distribution chart, First Financial Bankshares ranks #1181 out of 1500 companies in the Banks industry, placing it in the top 78.7%.
Is First Financial Bankshares' EV-to-OCF too high?
First Financial Bankshares' current EV-to-OCF of 13.00 is 19% below median its 10-year median of 16.12. Over the past 10 years, this metric has ranged from a low of 9.78 to a high of 31.06. The Banks industry median EV-to-OCF is 3.93. First Financial Bankshares' value of 13.00 is 230.8% above this industry median. Based on the distribution chart, First Financial Bankshares ranks #1181 out of 1500 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' EV-to-OCF compare to TFSL and SFBS?
According to the Banks industry distribution chart, First Financial Bankshares ranks #1181 out of 1500 companies for EV-to-OCF. This places First Financial Bankshares in the lower half of its industry. The industry median EV-to-OCF is 3.93. First Financial Bankshares' value of 13.00 is 230.8% above this benchmark. Historically, First Financial Bankshares' own EV-to-OCF has ranged from 9.78 to 31.06 over the past decade. While the company's 10-year median is 16.12 vs. the industry median of 3.93, First Financial Bankshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.93, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bankshares's current EV-to-OCF of 13.00 is 230.8% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bankshares's current EV-to-OCF is 13.00, which is 19% below median its own 10-year median of 16.12. 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 EV-to-OCF is 13.00, which is 19% below median its 10-year median of 16.12 and 230.8% above the Banks industry median of 3.93. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First Financial Bankshares (FFIN), the current EV-to-OCF is 13.00 as of Aug. 16, 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:
EV-to-OCF: 13.00 (19% below median its 10-year median of 16.12)
GF Value™: $40.64 vs. price of $35.28 (13.2% below fair value)
Industry Position: 230.8% above the Banks median (#1181 of 1500)
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
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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