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First Financial BanksharesFFIN -1.19%65 Equity-to-Asset is 0.13 as of Jun. 2026, which is at its 10-year median of 0.13. GuruFocus rates FFIN with a GF Score™ of 65/100 and a GF Value™ of $40.66 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,525 Banks companies, First Financial Bankshares ranks better than 78.16% on this metric.
First Financial Bankshares (NAS:FFIN) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
First Financial Bankshares Equity-to-Asset Related Terms
First Financial Bankshares Equity-to-Asset 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.
FFIN vs TFSL, SFBS, FINN: Equity-to-Asset Comparison
For the Banks - Regional subindustry, First Financial Bankshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's Equity-to-Asset falls into.
First Financial Bankshares Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
First Financial Bankshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 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.
First Financial Bankshares (FFIN) has a Equity-to-Asset of 0.13 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Financial Bankshares and its competitors. This is near median its historical median of 0.13. Over the past decade, First Financial Bankshares' Equity-to-Asset has ranged from 0.09 to 0.16. According to the industry distribution chart, First Financial Bankshares ranks #333 out of 1525 companies in the Banks industry, placing it in the top 21.8%.
Is First Financial Bankshares' Equity-to-Asset too high?
First Financial Bankshares' current Equity-to-Asset of 0.13 is near median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.16. The Banks industry median Equity-to-Asset is 0.10. First Financial Bankshares' value of 0.13 is 30% above this industry median. Based on the distribution chart, First Financial Bankshares ranks #333 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position 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' Equity-to-Asset compare to TFSL and SFBS?
According to the Banks industry distribution chart, First Financial Bankshares ranks #333 out of 1525 companies for Equity-to-Asset. This places First Financial Bankshares in the top 22% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. First Financial Bankshares' value of 0.13 is 30% above this benchmark. Historically, First Financial Bankshares' own Equity-to-Asset has ranged from 0.09 to 0.16 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bankshares's current Equity-to-Asset of 0.13 is 30% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Financial Bankshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bankshares's current Equity-to-Asset is 0.13, which is near median its own 10-year median of 0.13. 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 $40.66, compared to a current price of $34.88 — trading 14.2% below its estimated fair value. The current Equity-to-Asset is 0.13, which is near median its 10-year median of 0.13 and 30% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For First Financial Bankshares (FFIN), the current Equity-to-Asset is 0.13 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 $34.88 is trading 14.2% below its estimated GF Value™ of $40.66.
GuruFocus considers First Financial Bankshares to be Modestly Undervalued.
Key valuation signals for FFIN:
Equity-to-Asset: 0.13 (near median its 10-year median of 0.13)
GF Value™: $40.66 vs. price of $34.88 (14.2% below fair value)
Industry Position: 30% above the Banks median (#333 of 1525)
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
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