First Financial BanksharesFFIN -1.64%65 EV-to-FCF is 13.91 as of Jul. 03, 2026, which is 22% below its 10-year median of 17.87. GuruFocus rates FFIN with a GF Score™ of 65/100 and a GF Value™ of $40.44 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,193 Banks companies, First Financial Bankshares ranks worse than 73.85% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Financial Bankshares's Enterprise Value is $4,295.7 Mil.
First Financial Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $308.8 Mil. Therefore, First Financial Bankshares's EV-to-FCF for today is 13.91.
The historical rank and industry rank for First Financial Bankshares's EV-to-FCF or its related term are showing as below:
FFIN'
s EV-to-FCF Range Over the Past 10 Years
Min: 10.37 Med: 17.87 Max: 33.69
Current: 13.91
During the past 13 years, the highest EV-to-FCF of First Financial Bankshares was 33.69. The lowest was 10.37. And the median was 17.87.
FFIN's EV-to-FCF is ranked worse than 73.85% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs FFIN: 13.91
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $34.88.
First Financial Bankshares's Earnings per Share (Diluted) 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 $1.840.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Financial Bankshares EV-to-FCF Related Terms
First Financial Bankshares EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's EV-to-FCF falls into.
First Financial Bankshares's current Enterprise Value is $4,295.7 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 $308.8 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-FCF of 13.91 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Financial Bankshares and its competitors. This is 22% below median its historical median of 17.87. Over the past decade, First Financial Bankshares' EV-to-FCF has ranged from 10.37 to 33.69. According to the industry distribution chart, First Financial Bankshares ranks #881 out of 1193 companies in the Banks industry, placing it in the top 73.8%.
Is First Financial Bankshares' EV-to-FCF too high?
First Financial Bankshares' current EV-to-FCF of 13.91 is 22% below median its 10-year median of 17.87. Over the past 10 years, this metric has ranged from a low of 10.37 to a high of 33.69. The Banks industry median EV-to-FCF is 6.61. First Financial Bankshares' value of 13.91 is 110.4% above this industry median. Based on the distribution chart, First Financial Bankshares ranks #881 out of 1193 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' EV-to-FCF compare to FINN and TFSL?
According to the Banks industry distribution chart, First Financial Bankshares ranks #881 out of 1193 companies for EV-to-FCF. This places First Financial Bankshares in the lower half of its industry. The industry median EV-to-FCF is 6.61. First Financial Bankshares' value of 13.91 is 110.4% above this benchmark. Historically, First Financial Bankshares' own EV-to-FCF has ranged from 10.37 to 33.69 over the past decade. While the company's 10-year median is 17.87 vs. the industry median of 6.61, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bankshares's current EV-to-FCF of 13.91 is 110.4% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Financial Bankshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bankshares's current EV-to-FCF is 13.91, which is 22% below median its own 10-year median of 17.87. 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 $40.44, compared to a current price of $34.88 — trading 13.7% below its estimated fair value. The current EV-to-FCF is 13.91, which is 22% below median its 10-year median of 17.87 and 110.4% above the Banks industry median of 6.61. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Financial Bankshares (FFIN), the current EV-to-FCF is 13.91 as of Jul. 03, 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 13.7% below its estimated GF Value™ of $40.44.
GuruFocus considers First Financial Bankshares to be Modestly Undervalued.
Key valuation signals for FFIN:
EV-to-FCF: 13.91 (22% below median its 10-year median of 17.87)
GF Value™: $40.44 vs. price of $34.88 (13.7% below fair value)
Industry Position: 110.4% above the Banks median (#881 of 1193)
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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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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