First Financial Bankshares (STU:FI6) Enterprise Value: €3,733.5 Mil (As of Jul. 12, 2026) ***


STU:FI6 First Financial Bankshares Inc STU:FI6
70 GF Score
Price €30.20
GF Value €35.14
Valuation Modestly Undervalued
! 2 Warning Signs
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What is First Financial Bankshares Enterprise Value?

First Financial Bankshares STU:FI6 70 Enterprise Value is €3,733.5 Mil as of Jul. 12, 2026. GuruFocus rates STU:FI6 with a GF Score™ of 70/100 and a GF Value™ of €35.14 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.

EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. This ratio does not apply to banks.

EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. This ratio does not apply to banks.

EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, First Financial Bankshares's Enterprise Value is €3,733.5 Mil. First Financial Bankshares's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 was €546.0 Mil. Therefore, First Financial Bankshares's EV-to-Revenue ratio for today is 6.84.

EV-to-OCF is calculated as Enterprise Value divided by its Cash Flow from Operations. As of today, First Financial Bankshares's Enterprise Value is €3,733.5 Mil. First Financial Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was €278.7 Mil. Therefore, First Financial Bankshares's EV-to-OCF ratio for today is 13.40.

EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, First Financial Bankshares's Enterprise Value is €3,733.5 Mil. First Financial Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €265.4 Mil. Therefore, First Financial Bankshares's EV-to-FCF ratio for today is 14.07.

*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.


First Financial Bankshares  (STU:FI6) Enterprise Value Explanation

When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.

If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.

The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.

For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.

Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.

1. EV-to-Revenue is calculated as Enterprise Value divided by its Revenue.

First Financial Bankshares's EV-to-Revenue for today is:

EV-to-Revenue=Enterprise Value (Today)/Revenue (TTM)
=3733.470/546.001
=6.84

First Financial Bankshares's current Enterprise Value is €3,733.5 Mil.
First Financial Bankshares's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €546.0 Mil.

2. EV-to-OCF is calculated as Enterprise Value divided by its Cash Flow from Operations.

First Financial Bankshares's EV-to-OCF for today is:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=3733.470/278.66
=13.40

First Financial Bankshares's current Enterprise Value is €3,733.5 Mil.
First Financial Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €278.7 Mil.

3. EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow.

First Financial Bankshares's EV-to-FCF for today is:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=3733.470/265.38
=14.07

First Financial Bankshares's current Enterprise Value is €3,733.5 Mil.
First Financial Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €265.4 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 Enterprise Value Related Terms


First Financial Bankshares Enterprise Value Historical Data

* Premium members only.

The historical data trend for First Financial Bankshares's Enterprise Value 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 Enterprise Value Chart

First Financial Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Enterprise Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 3,497.29 4,271.86 2,741.02

First Financial Bankshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Enterprise Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3,861.82 3,761.42 3,542.02 2,741.02 3,008.18

STU:FI6 vs FINN, TFSL, IBOC: Enterprise Value Comparison

For the Banks - Regional subindustry, First Financial Bankshares's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Banks Industry

For the Banks industry and Financial Services sector, First Financial Bankshares's Enterprise Value distribution charts can be found below:

* The bar in red indicates where First Financial Bankshares's Enterprise Value falls into.


STU:FI6
70GF Score
First Financial Bankshares Inc STU:FI6
Enterprise Value is just one metric. See GF Score™, valuation, warning signs, and more.
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First Financial Bankshares Enterprise Value Calculation

Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.

First Financial Bankshares's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as

First Financial Bankshares's Enterprise Value for the quarter that ended in Mar. 2026 is calculated as

* 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.

Frequently Asked Questions Learn more about Enterprise Value →
What does a Enterprise Value of €3,733.5 Mil mean?
First Financial Bankshares (STU:FI6) has a Enterprise Value of €3,733.5 Mil as of Jul. 12, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on First Financial Bankshares and its competitors.
Is First Financial Bankshares' Enterprise Value too high?
First Financial Bankshares' current Enterprise Value is €3,733.5 Mil. Overall, First Financial Bankshares has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bankshares' Enterprise Value compare to FINN and TFSL?
First Financial Bankshares' Enterprise Value of €3,733.5 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Enterprise Value for a Banks company?
A good Enterprise Value depends on the Banks industry context. However, Enterprise Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on First Financial Bankshares and its competitors. First Financial Bankshares's current Enterprise Value is €3,733.5 Mil. 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 (STU:FI6) is currently considered Modestly Undervalued. The stock's GF Value™ is €35.14, compared to a current price of €30.20 — trading 14.1% below its estimated fair value. The current Enterprise Value is €3,733.5 Mil. First Financial Bankshares' overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For First Financial Bankshares (STU:FI6), the current Enterprise Value is €3,733.5 Mil as of Jul. 12, 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 (STU:FI6) Overvalued in 2026?

Based on GuruFocus' analysis, First Financial Bankshares stock appears to be undervalued. The current stock price of €30.20 is trading 14.1% below its estimated GF Value™ of €35.14. GuruFocus considers First Financial Bankshares to be Modestly Undervalued.

Key valuation signals for STU:FI6:

  • Enterprise Value: €3,733.5 Mil
  • GF Value™: €35.14 vs. price of €30.20 (14.1% below fair value)
  • GF Score™: 70/100 with 2 warning signs

No single metric tells the full story. See the STU:FI6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Financial Bankshares Business Description

Other Exchanges FFIN:USA
Address 400 Pine Street, Abilene, TX, USA, 79601
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.
70GF Score

Get the complete analysis for STU:FI6

Enterprise Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€30.20
Price
€35.14
GF Value