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First Financial Bankshares has the GF Score of 73, which implies that the company
is
Likely to have average performance.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes First Financial Bankshares
is
Likely to have average performance.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
First Financial Bankshares (STU:FI6) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
First Financial Bankshares GF Score Related Terms
STU:FI6 vs FINN, TFSL, IBOC: GF Score Comparison
For the Banks - Regional subindustry, First Financial Bankshares's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's GF Score distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's GF Score falls into.
First Financial Bankshares (STU:FI6) has a GF Score of 73 as of Jul. 22, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on First Financial Bankshares and its competitors. This is near median its historical median of 74.00. Over the past decade, First Financial Bankshares' GF Score has ranged from 45.00 to 85.00.
Is First Financial Bankshares' GF Score too high?
First Financial Bankshares' current GF Score of 73 is near median its 10-year median of 74.00. Over the past 10 years, this metric has ranged from a low of 45.00 to a high of 85.00. Overall, First Financial Bankshares has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bankshares' GF Score compare to FINN and TFSL?
First Financial Bankshares' GF Score of 73 can be compared against companies in the Banks industry. Historically, First Financial Bankshares' own GF Score has ranged from 45.00 to 85.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on First Financial Bankshares and its competitors. First Financial Bankshares's current GF Score is 73, which is near median its own 10-year median of 74.00. 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 €35.58, compared to a current price of €30.40 — trading 14.6% below its estimated fair value. The current GF Score is 73, which is near median its 10-year median of 74.00. First Financial Bankshares' overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For First Financial Bankshares (STU:FI6), the current GF Score is 73 as of Jul. 22, 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 €30.40 is trading 14.6% below its estimated GF Value™ of €35.58.
GuruFocus considers First Financial Bankshares to be Modestly Undervalued.
Key valuation signals for STU:FI6:
GF Score: 73 (near median its 10-year median of 74.00)
GF Value™: €35.58 vs. price of €30.40 (14.6% below fair value)
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 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.
73GF Score
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