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First Financial BanksharesFRA:FI6 -1.97%70 FCF Margin % is 44.37% as of Jun. 2026, which is 15% below its 10-year median of 52.31. GuruFocus rates FRA:FI6 with a GF Score™ of 70/100 and a GF Value™ of €35.26 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,500 Banks companies, First Financial Bankshares ranks better than 74.87% on this metric.
* 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.
FRA:FI6 vs TFSL, SFBS, FINN: FCF Margin % Comparison
For the Banks - Regional subindustry, First Financial Bankshares's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's FCF Margin % falls into.
* 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 (FRA:FI6) has a FCF Margin % of 44.37% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Financial Bankshares and its competitors. This is 15% below median its historical median of 52.31. Over the past decade, First Financial Bankshares' FCF Margin % has ranged from 40.66 to 67.25. According to the industry distribution chart, First Financial Bankshares ranks #377 out of 1500 companies in the Banks industry, placing it in the top 25.1%.
Is First Financial Bankshares' FCF Margin % too high?
First Financial Bankshares' current FCF Margin % of 44.37% is 15% below median its 10-year median of 52.31. Over the past 10 years, this metric has ranged from a low of 40.66 to a high of 67.25. The Banks industry median FCF Margin % is 26.40. First Financial Bankshares' value of 44.37% is 68.1% above this industry median. Based on the distribution chart, First Financial Bankshares ranks #377 out of 1500 companies in the Banks industry, which is above the industry midpoint. 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' FCF Margin % compare to TFSL and SFBS?
According to the Banks industry distribution chart, First Financial Bankshares ranks #377 out of 1500 companies for FCF Margin %. This puts First Financial Bankshares in the upper half of its industry. The industry median FCF Margin % is 26.40. First Financial Bankshares' value of 44.37% is 68.1% above this benchmark. Historically, First Financial Bankshares' own FCF Margin % has ranged from 40.66 to 67.25 over the past decade. While the company's 10-year median is 52.31 vs. the industry median of 26.40, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.40, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bankshares's current FCF Margin % of 44.37% is 68.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Financial Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 26.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bankshares's current FCF Margin % is 44.37%, which is 15% below median its own 10-year median of 52.31. 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 (FRA:FI6) is currently considered Modestly Undervalued. The stock's GF Value™ is €35.26, compared to a current price of €29.80 — trading 15.5% below its estimated fair value. The current FCF Margin % is 44.37%, which is 15% below median its 10-year median of 52.31 and 68.1% above the Banks industry median of 26.40. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Financial Bankshares (FRA:FI6), the current FCF Margin % is 44.37% 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 (FRA:FI6) Overvalued in 2026?
Based on GuruFocus' analysis, First Financial Bankshares stock appears to be undervalued.
The current stock price of €29.80 is trading 15.5% below its estimated GF Value™ of €35.26.
GuruFocus considers First Financial Bankshares to be Modestly Undervalued.
Key valuation signals for FRA:FI6:
FCF Margin %: 44.37% (15% below median its 10-year median of 52.31)
GF Value™: €35.26 vs. price of €29.80 (15.5% below fair value)
Industry Position: 68.1% above the Banks median (#377 of 1500)
No single metric tells the full story. See the FRA:FI6 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.
70GF Score
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